Login by visiting Central 1's website. Enter your User ID, password, and code from your soft or hard security token.

Your username will be your first initial, last initial, and last five digits of your originator number (without any spaces).

For example, Mary Brown with an originator number of 0000012345 would have a username of MB12345. 

Your password:

• Must be a minimum of eight (8) characters in length
• Must contain at least one (1) opposite case character
• Must contain at least one (1) non-alphanumeric character
• Must contain at least one (1) numeric character
• Must not be the same password used as your last 24 passwords. 

Note: if you haven’t accessed the system in a year, we’ll remove your PaymentStream AFT login for your security. 

2-Step Security is a method of ensuring “you’re you” by confirming two factors of authentication: a username/password and a physical Hard Token or Soft Token on a smartphone. The token is required to access the new PaymentStream AFT application. 

A Hard Token is a physical device that you can obtain from us. A Soft Token is installed on your Smartphone, tablet, or iPad. The device you choose must have a Google Authenticator app installed for the security process to work. You can choose to use either Soft or Hard Tokens. Tokens are mandatory; users require 2-Step Security to access PaymentStream AFT.

There is no option to assign a single token to multiple accounts for security reasons. If you have access to various Originators IDs with different User IDs, choose a Soft Token for a better user experience. The Google Authenticator app will store all your tokens for the various User IDs on your smartphone.

There is no charge for Soft Tokens. Hard tokens for new users or any replacement tokens will be charged at the rate disclosed in the Account and Fee Brochure.

The Google Authenticator is a free app for Android or iPhone that does not require Wi-Fi or data connectivity (i.e., in Airplane Mode). The data is only used during the app’s initial download to your device.

No. Tokens are security devices and cannot be shared or reassigned.

Here is a chart that details retention history for AFTs:

File Uploads:

PaymentStream AFT – File Upload

The File Upload service type allows Originators to create AFT transactions on 3^rd party software and then upload the file to Central 1.

This video demonstrates how to select an originator, an action, and view the originator information page.

In PaymentStream Direct, click the drop-down arrow and select “Perform Automated Fund Transfer”.

In the Select Originator ID field, type any part of the Originator ID, the company name, or the service type or click the drop down arrow to select an Originator ID from the list.

Next, select an action. The selections are based on user permissions and can include “Originator Information,” File Upload,” “Reports,” and Settlement Reports.

To view Originator details, select “Originator Information” and click Submit.

The top right of the Originator Information page displays the Originator ID that is currently selected; the company name; and the service type [File Upload].

The Change ID link is displayed for users who have access to more than one Originator. This link allows a user to switch between Originator IDs from within any menu page.

To use this function, click the Change ID link.

Select an Originator, an Action Item, and then click Submit.

To exit without making the change, click Cancel. 

On the left side of each menu page is the Navigation Menu. Based on user permissions, “Settlement Reports” may be included as an Action Item.

The Originator page is organized into separate sections.

The first section consists of the Originator ID Information.

This is followed by the contact information, which includes the email addresses of individuals who will be notified of validated files.

The next section shows the Limits and the transaction types for the Originator.

An Originator can be set up to retain separate limits for credits and separate limits for debits.

• the “Transaction Limit” is based on each transaction
• the “Settlement Day Limit” is based on all AFT transactions settled in a day
• the “Monthly Limit” is based on all AFT transactions settled in a calendar month
• the “Accumulated Monthly Limits” allow a user to monitor when the Originator ID is reaching the set limits.

The next section shows the Originator Details followed by Settlement Account Information and Returns Account Information.

Questions? Please contact your financial institution.

In PaymentStream AFT, users can test an AFT file to validate the file format before uploading the file in production.

This video demonstrates how to test a file that was created using in-house or third Party software.

In PaymentStream Direct, select “Perform Automated Fund Transfer”.

• Select the Originator
• Select File Upload
• And click Submit

If you’re already in the system, select File Upload in the navigation menu.

Limits are shown on the right.

Test files must be uploaded in sequential order.   

To test a file, select Browse, navigate to the file folder, and select the file. Then select Test an AFT File. File validation is immediate.

If a file has an error, a message is displayed that explains what has to be corrected in the file. The error must be corrected before you can proceed.

If a file has warnings or notices, the user can choose whether to proceed or to cancel.

For example, this file contains a notice indicating that the due date for one of the transactions is a non-business day.

A limited number of messages are shown on the screen. If the file contains a large number of messages,  select download all notices  to view the message details in a text file.

To proceed testing the file, select Proceed with warnings or notices.

The AFT File confirmation page shows the file creation number, the due date, the number of credits and debits and the total dollar amounts.

Select Confirm Test File to proceed.

The AFT Test File Receipt page shows that the file test was successful.

File creation numbers are not incremented during the testing process. The production system expects the next file creation number in your sequence. For new originators, this number is 0001.

To print the page, select Print Receipt.

To return to the file upload screen, select Upload Another File. 

PaymentStream AFT – File Upload

This video demonstrates how to upload files that were created using in-house or 3^rd Party software.

In PaymentStream Direct, select “Perform Automated Fund Transfer”.

• Select the Originator
• Select File Upload
• And select Submit

If you’re already in the system, select File Upload in the navigation menu.

The limits are shown on the right.

Users can upload multiple files per day.

Files must be uploaded in sequential order.

To upload a file, click Browse, navigate to the file folder, select the file, and then click Upload File.

File validation is immediate.

If a file has an error, a message is displayed that explains what has to be corrected in the file. The error must be corrected before the file can be uploaded.

If a file has warnings or notices, the user can choose whether to proceed or to cancel. For example, this file contains a notice indicating that the due date for one of the transactions is a non-business day.

A limited number of messages are shown on the screen. If the file contains a large number of messages, click download all notices  to view the message details

To proceed uploading the file, select Proceed with warnings or notices.

The AFT File confirmation page shows the file creation number, the due date, the number of credits and debits and the total dollar amounts.

To make changes to the file, click Cancel.

To proceed, click Confirm File Upload.

The Receipt page shows that the file was uploaded successfully.

To print the a receipt, select Print Receipt.

To upload another file, click Upload Another File.

Multiple files can be uploaded in sequential order.

This video demonstrates the approval process for uploaded files that require second authorization.

Files must be approved in sequential order.

When an uploaded file requires second authorization, an email is sent to users with approval permissions.

The Notifications tab at the top right of the screen shows how many tasks are pending your approval.

Uploaded files that are pending approval are stored on the tasks page in PaymentStream Direct.

To access the Tasks page, click on the Administration tab. Alternatively, click on Notifications, and then click on the number of tasks that are pending your approval.

The Initiated Date shows when a file was uploaded. 

When multiple files are pending approval, they have to be approved in the order that they were uploaded.

To review the file contents, click the Needs Approval link in the status column

Information about the file is displayed at the top of the page.

The Transaction Summary shows the due date and the transaction types and dollar amounts.

To see details of the Transaction Summary, click View Details.

To approve or reject the task, click the drop-down arrow in the Action line, and make your selection.

To complete the process, click Submit.  

The Tasks receipt page shows that the task was approved and is complete.

To print a record for your files, click Print Receipt.

To return to the Tasks page, click Return to Tasks.

This video demonstrates how to access and Run reports for File Upload.

In PaymentStream Direct:

• Select “Perform Automated Fund Transfer”
• Select the Originator
• Select Reports and
• Select Submit

If you’re already in the system, select Reports in the navigation menu.

File Upload provides four reports: the Activity Log, the File History, the Transaction History, and the Originator Change.

To search for and view file activity, select the Activity Log.

On the Search Page, enter specific search criteria.

You can choose a filter; you can search by Username and you can edit the Activity Date Range [ie. Jan 15 – JAN 16].

Then select Create Report.

The results show the date the file was released and provide a Description for the Release.

If a file contains a warning, select the hyperlink in the Description column to see the details.

To print the list of results, select the printer icon.

To view transactions that were transmitted successfully, select the File History report.

On the Search page, enter search criteria. You can search on File Creation Number and File Name.

You can modify the File Creation Date [ie. Jan 15 – 26] then select Create Report.

The results show the File Creation Number, the File Name, Date, and the Debit and Credit totals.

The order of the results can be sorted by clicking on a column heading. [visual: click Debit Totals and File Creation Number columns].

The results can be printed or exported to CSV or PDF. 

To see the specifics of a file, click on the File Creation Number. This opens the File History page, which shows a summary of the file and a list of the transactions in the file.

To sort on the transactions, select the Sort Option drop-down arrow, make your selection [visual: select Amount] then click Sort.

To view transactions that were transmitted successfully, select the Transaction History report.

On the Search page, enter search criteria.

You can search on Payor/Payee Name, Account Number, Transaction Type, Cross Reference Number, File Creation Number, and Return Account.

You can modify the Due Date.

When you are finished entering criteria select Create Report. The results show the details for each record, including the due date.

To sort the search results, select the Sort Option drop-down arrow, make your selection, and select Sort. The results can be printed or exported to CSV or PDF.

When you export the information to CSV, you will also see the File Creation Number and the File Creation Date.

To search for and view changes made to the Originator information, select the Originator Change Report.

On the search page, enter search criteria.

• You can modify the Changed Date Range.
• You can search by Username and you can select a Source of Change.
• You can choose from what has been added, all changes, or all deletes.
• Then select Create Report.

The results show the Originator Name, the name of the field that was changed, the Old and New Information, the Action, which is the Source of Change, the date and time, and the username.

To sort the results, select the Sort Option drop-down arrow, make your selection, and select Sort. The results can be printed or exported to CSV. 

Settlement reports are back-end processing reports.

They are produced after AFT transactions are delivered from PaymentStream AFT to Central 1.

This video demonstrates how business member Originator’s access Settlement Reports.

In PaymentStream Direct, select the drop down arrow and select “Perform Automated Fund Transfer”:

• Select the Originator
• Select Settlement Reports
• And click Submit

If you’re already in the system, select Settlement Reports in the navigation menu.

Select the appropriate MERG file to open the report. The files are listed by date.

You can print the settlement reports, but it is recommended that you save and archive the reports, since they are removed from the system after 30 days.

This video demonstrates how to access and search Archived Tasks.

To access Archived Tasks, click the Administration tab.

The system defaults to the Tasks page, which lists recently submitted tasks.

To view the archives, click Archived Tasks in the navigation menu.

To filter the results, you can enter specific search criteria. For example, you can search on the Originator ID.

Under Advanced Options you can enter further specifics, such as Initiator ID.

In the Amount field, you can select Below, Above or Equal, and then enter an amount.

You can enter an Initiated Date.

When you’re finished entering criteria, click Search.

You can sort the tasks by column.

To see the details of a task, click on the link in the Status column. 

In this service type, Originators create AFT transactions on PaymentStream AFT.

The system releases transactions automatically 3 business days before the due date

This video demonstrates how to select an originator, an action, and view the originator information page.

In PaymentStream Direct, click the drop-down arrow and select “Perform Automated Fund Transfer”.

In the Select Originator ID field, type any part of the Originator ID, the company name, or the service type OR click the drop-down arrow to select an Originator ID from the list

Next, select an action.

The selections are based on user permissions and can include “Originator Information,” “Add Record,” “Manage Records,” “Reports,” and “Settlement Reports.”

To view Originator details, select “Originator Information” and click Submit.

The top right of the Originator Information page displays the Originator ID that is currently selected; the company name; and the service type. 

The Change ID link is displayed for users who have access to more than one Originator. This link allows a user to switch between Originator IDs from within any menu page.

To use this function, click the Change ID link.

Select an Originator, an Action Item, and then click Submit.

To exit without making the change, click Cancel. 

On the left side of each menu page is the Navigation Menu. Based on user permissions, “Settlement Reports” may be included as an Action Item.

The Originator page is organized into separate sections.

The first section consists of the Originator ID Information.

This is followed by the contact information, which includes the email addresses of individuals who will be notified of validated files. 

The next section shows the Limits and the transaction types for the Originator.

An Originator can be set up to retain separate limits for credits and separate limits for debits:

• the “Transaction Limit” is based on each transaction
• the “Settlement Day Limit” is based on all AFT transactions settled in a day
• the “Monthly Limit” is based on all AFT transactions settled in a calendar month
• the “Accumulated Monthly Limits” allow a user to monitor when the Originator ID is reaching the set limits

The next section shows the Originator Details followed by Settlement Account Information and Returns Account Information. 

This video demonstrates how to add a new record for automatic release.

In PaymentStream Direct, select the drop-down arrow and select “Perform Automated Fund Transfer”. 

• Select the Originator
• Select Add Record
• And select Submit

If you’re already in the system, select Add Record in the navigation menu.

The limits are shown on the right.

The record types are indicated at the top of the page. If the Originator is set up with only one type, the record will default to that type.

To create a record, start by selecting the type.

Enter the Business Name or the Last Name and first name.

Next, enter the transit and route number.

Alternatively, select Search for FI.

Enter the name or partial name of a financial institution, then click Go, and select from the list of results. 

The Transit and Route number fields auto populate when you make a selection from the list.

Next enter Account Number.

Select Due Date

In a credit record, a user can select the Business Day Only option. When this option is selected, and the due date of a record falls on a non-business day, the due date will be recalculated to the previous business day. Once the payment is released and processed, the due date will be reset back to the original setting. This is displayed as the Actual Due Date. The Next Release Date shows when the transaction will be released from PaymentStream AFT.  

The Cross Reference Number field is optional. It identifies an Originator-assigned reference number for the transaction.

Next, Enter the Amount.

Select the Expiry Date if this is a record that requires an end date after which transactions are no longer created.

Then select a Frequency from the list. 

Next, enter the transaction type. To find a transaction type, click on Look up Type and select from the list.

The Returns Account Information is automatically populated with the settlement account information provided by the financial institution.

The Originator Sundry Information field is optional. It is used to identify additional Originator information such as a billing period or pay period.

The Mark as Dormant option defaults to No. Select Yes to mark a record as dormant for a period in which no transactions are created.

Enter the “from” and “to” dates and then indicate if the dormant period is to recur annually. For this example, we’ll use the default setting.

The Comments field is used for the Originator’s reference only. Comments can be entered for the Payee/Payor record but will not be transmitted with the transaction.

To complete the new task, select Add Record.

The Receipt page shows that the record was added successfully. It displays the information that was entered for this record.

To add another record, select Add New Record.

To make changes to this record, select Edit Current Record.

To print the page, select Print Receipt.

This video demonstrates how to manage AFT records.

Users can edit or view a single record; make multiple changes to various records at the same time, make the same change to a group of records at the same time, or delete several records at the same time.

In PaymentStream Direct, click the drop-down arrow and select “Perform Automated Fund Transfer”.

• Select the Originator ID
• Select Manage Records
• And click Submit

If you’re already in the system, click Manage Records in the navigation menu.

To view, modify, or delete a single record, click Edit/View Single Record.

On the Search page, the record type defaults to “All”.

• To narrow down the search results, select a record type and enter other search criteria then click Search.
• To sort the results, click the Sort Option drop-down arrow, make your selection and then click Sort.   
• To open a record for editing, click on the name in the Payor/Payee column.

On the edit record page, fields are open to make changes. For example, to change the due date, click the calendar and select the new date; to change the amount, select the current amount and enter the new amount; to change the frequency, select a different frequency from the drop-down list.

To delete a record, click Delete. 

To save changes, click Update.

The Receipt page shows that the record was modified successfully.

To modify another record, click Return to Search Results.

To make further changes to the same record, click Edit Current Record.

To print the page, click Print Receipt.

To access a different modification option, click Manage Records in the navigation menu.

To make multiple changes to various records at the same time, select Multiple Changes.

On the Search page, the record type defaults to “All”.

Select Debit or Credit if you’re looking for separate results and then select other search criteria. For this example, I’ll search on the Due Date, the frequency, the Amount and then you can select a sort option to determine how the results are displayed.

The results are displayed at the bottom of the page. If the results produce more than 150 records, they will be displayed on separate pages.

Records that are being modified are only open to one user at a time. Other users will receive an error message if they try to access a record that is open for editing. 

• For the first one, I’ll change the amount.
• For the next one, I’ll change the due date.
• And on this one, I’ll also change the account number.

If you have a lot of records on one page or if you have multiple pages of records, you can select Save Changes and continue. This saves and highlights the changes that have been made so far, and then you can continue making changes.

• So For this record, I’ll change the amount.
• And on this one I’ll change the transit number.

If you select Cancel before submitting changes, you can choose to cancel changes on a current page or you can cancel all the changes made.

When you’re finished making changes, select Finish and Submit.

Now you have the option of going back to review the changes; or you can select Yes to proceed.

A list of the modified records is displayed.

To make more multiple changes, select Return to Multiple Changes. 

To print the page, select Print Receipt.

To access a different modification option, select Manage Records in the navigation menu.

To make the same change to a group of records at the same time, click Mass Changes.

On the Search page, select the record type And enter any other search criteria.

• Click Search. All the records in the search results are selected by default. Users can de-select the records that will not be included in the group.
• Click Continue.

The Mass Change screen shows the number of records selected for the group update.

Users can make changes to any of the options available on this page. For this example, I’ll change the amount for the selected group then click Update.

The Modified Records page displays the revised records.  

• To print this page, click Print Receipt.  
• To return to the Search screen, click Return to Mass Changes .
• To delete numerous records at the same time, select Mass Delete.

On the Search page, select the record type and enter other search criteria.

Then select Search. All the records are selected by default. You can deselect any records that you don’t want to delete. Then, select Delete All Selected.

The system asks you to confirm the deletion. Once records are deleted, they cannot be retrieved.

The Mass Delete confirmation page shows a list of the deleted records.

This video demonstrates the approval process for tasks that require second authorization.

When an added or edited record requires second authorization, an email is sent to users who have approval permission.

The Notifications tab at the top right of the screen shows how many tasks are pending your approval. Tasks that are pending approval are stored on the Tasks page in PaymentStream Direct. 

To access the Tasks page, click on the Administration tab. Alternatively, click on Notifications, and then click on the number of tasks that require your approval. 

When there are tasks pending your approval, the system defaults to the Pending Tasks view, which displays pending tasks in categories..

Added Records and Single Record Edits can be approved as a batch.

When you click the Approve All link, the Batch Approval Confirmation page displays a summary of the records in the batch. 

• To return the batch of records to the Pending approval status, click Cancel.
• To approve the batch of records, click Approve. 
• The receipt page shows that the task was approved and is complete.
• To print the page, click Print Receipt.

To review other pending tasks, click Return to Tasks.

When you select an individual record in a batch, you have the option to approve or reject the task.

To view a record in a batch, click the Needs Approval link of the record. Information about the record is displayed at the top of the page.

In a Single Record Edit, the Edit Details show the information that was changed.

The Task History shows who initiated the task.

Click the drop-down arrow in the Action line, and make your selection then click Submit

The receipt page shows that the task was approved and is complete. To print the page, click Print Receipt.

To review other pending tasks, click Return to Tasks.

To review a Mass Record edit, click the Needs Approval link. Review the transactions in the group.

Approval on Mass changes is a single approval task.

To approve or reject the group, click the drop-down arrow in the Action line, and make your selection then click Submit.

The receipt page shows that the task was approved and is complete. To print the page, click Print Receipt.

To review other pending tasks, click Return to Tasks.

To review a Multiple Record Edit, click the Needs Approval link. Review the transactions in the group

Approval on Multiple changes is a single approval task.

To approve or reject the group, click the drop-down arrow in the Action line, and make your selection and then click Submit.

The receipt page shows that the task was approved and is complete. To print the page, click Print Receipt.

This video demonstrates how to access and Run reports.

In PaymentStream Direct, click the drop-down arrow and select “Perform Automated Fund Transfer”:

• Select the Originator
• Select Reports
• And click Submit

If you’re already in the system, click Reports in the navigation menu.

PaymentStream AFT provides six reports for Automatic Release: the Activity Log, the Release History, the Transaction History, the Record Change, the Payor/Payee Listing, and the Originator Change.

To search for and view file activity, select the Activity Log.

• On the Search Page, enter specific search criteria.
• You can choose a filter; you can search by Username and you can edit the Date Range.
• Then select Create Report. The results show the date the file was released and provide a Description for the Release.

If a file contains an error or a warning, select the hyperlink in the Description column to see the details.

To print the list of results, select the printer icon.

To view transaction files that were successfully validated by the system, select the Release History report.

Enter search criteria.

• You can search on Release Date, Transaction Type, Cross Reference Number, Account Number and Return Account.
• You can modify the due date  
• Then click Create Report. The results show the Released Date, and the Debit and Credit totals.

The results can be sorted by clicking on a column heading

To see the specifics of a Release, click on the Released Date. A summary is provided at the top of the page and then you have sort options available.

To sort on the transactions, click  the Sort Option drop-down arrow, make your selection, and select Sort. 

The results can be printed or exported to CSV or PDF. 

To view details of a different Release, select Return to search results and select another Release from the column.

To view transactions that were transmitted successfully, select the Transaction History report.

On the Search page, enter search criteria.

• You can search on Payor/Payee Name, Account Number, Transaction Type, Cross Reference Number, File Creation Number, and Return Account.
• You can modify the Due Date 
• Then select Create Report. The results show the details for each record, including the due date.

To sort the search results, select the Sort Option drop-down arrow, make your selection, and select Sort. The results can be printed or exported to CSV or PDF.

When you export the information to CSV, you will also see the File Creation Number and the File Creation Date.

To search for and view changes to Payee/Payor records, select the Record Change report. Enter search criteria

You can modify the Changed Date Range. 

You can search on a username and you can select a Source of Change. The options are: added records, all changes, deleted records, single edits, Mass changes, Multiple Changes, Mass Delete, and Release Transaction.

Then click Create Report. The results show the details for each record, including the Action, which is the Source of Change that was selected.

To sort the search results, click the Sort Option drop-down arrow, make your selection, and select Sort.

The results can be printed or exported to CSV.

To search for and view a list of the records on PaymentStream AFT, select the Payor/Payee Listing report.

Enter Search criteria.

• You can search on Transaction Type, Cross Reference Number, Account Number, Dormant Date, and Return Account.
• You can modify the Due Date.
• Then select Create Report. A summary is provided at the top of the page.

To sort the search results, select the Sort Option drop-down arrow, make your selection, and click Sort.

The results can be printed or exported to CSV.

A speech bubble indicates that the record has a comment. To view comments associated with a record, export the results to CSV and read the comment in the Comments column.

To search for and view changes made to the Originator information, select the Originator Change Report.

On the search page, enter search criteria.

• You can modify the Changed Date Range. 
• You can search by Username, and you can select a Source of Change.
• You can choose from what has been added, all changes, or all deletes.
• Then select Create Report..

The results show the Originator Name, the name of the field that was changed, the Old and New Information, the Action, which is the Source of Change, the date and time, and the username.

To sort the results, select the Sort Option drop-down arrow, make your selection, and select Sort.

The results can be printed or exported to CSV. 

Settlement reports are back-end processing reports. They are produced after AFT transactions are delivered from PaymentStream AFT to Central 1.

This video demonstrates how business member Originators access Settlement Reports.

In PaymentStream Direct, select “Perform Automated Fund Transfer”:

• Select the Originator
• Select Settlement Reports 
• And click Submit

If you’re already in the system, select Settlement Reports in the navigation menu.

Select the appropriate MERG file to open the report. The files are listed by date.

You can print the settlement reports, but it is recommended that you save and archive the reports, since they are removed from the system after 30 days.

This video demonstrates how to access and search Archived Tasks.

To access the Archived Tasks page, click on the Administration tab.

The system defaults to the Tasks page, which lists recently submitted tasks.

To view the archives, click Archived Tasks in the navigation menu.

To filter the results, enter specific search criteria. For example, enter an Originator ID.

Under Advanced Options you can enter further specifics, such as Initiator ID

• In the Amount field, you can select Below, Above or Equal, and then enter an amount.
• Enter an Initiated Date.
• And when you’re finished, click Search. 

The results can be exported to CSV.

You can sort the tasks by column.

To see the details of a task, click on the link in the Status column.  

In this service type, Originators create transactions on PaymentStream AFT and then release the transactions manually.

This video demonstrates how to select an originator, an action, and view the originator information page.

In PaymentStream Direct, click the drop-down arrow and select “Perform Automated Fund Transfer”.

In the Select Originator ID field, type any part of the Originator ID, the company name, or the service type OR click the drop-down arrow to select an Originator ID from the list. Next, select an action.

The selections are based on user permissions and can include “Originator Information,” “Add Record,” “Manage Records,” Release Transactions, “Reports,” and Settlement Reports.

To view Originator details, select “Originator Information.” Click Submit

The top right of the Originator Information page displays the Originator ID that is currently selected; the company name; and the service type. 

The Change ID link is displayed for users who have access to more than one Originator. This link allows a user to switch between Originator IDs from within any menu page.

To use this function, click the Change ID link.

• Select an Originator, an Action Item, and then click Submit.
• To exit without making the change, click Cancel. 

On the left side of each menu page is the Navigation Menu. Based on user permissions, “Settlement Reports” may be included as an Action Item.

The Originator page is organized into separate sections.

• The first section consists of the Originator ID Information.
• This is followed by the contact information, which includes the email addresses of individuals who will be notified of validated transactions.
• The next section shows the Limits and the transaction types for the Originator.

An Originator can be set up to retain separate limits for credits and separate limits for debits. 

• the “Transaction Limit” is based on each transaction
• the “Settlement Day Limit” is based on all AFT transactions settled in a day
• the “Monthly Limit” is based on all AFT transactions settled in a calendar month
• the “Accumulated Monthly Limits” allow a user to monitor when the Originator ID is reaching the set limits

The next section shows the Originator Detail, followed by Settlement Account Information and Returns Account Information. 

This video demonstrates how to add a new record for manual release.

In PaymentStream Direct, click the drop-down arrow and select “Perform Automated Fund Transfer”.

• Select the Originator
• Select Add Record
• And select Submit

If you’re already in the system, select Add Record in the navigation menu. The limits are shown on the right

The record types are indicated at the top of the page. If the Originator is set up with only one type, the record will default to that type.

To create a record:

• Start by selecting the type then enter the Business Name or the Last Name and First Name.
• Next, enter the transit and route number. Alternatively, select Search for FI
• Enter the name or partial name of a financial institution, select Go, and then select from the list of results. The Transit and Route number fields auto populate when you make a selection from the list.
• Next, enter Account number.
• Then Select Due Date.

In Manual release, transactions can be released up to 14 calendar days in advance. This is shown by the “Release Availability” date.

In a credit record, a user can select the Business Day Only option. When this option is selected, and the due date of a record falls on a non-business day, the due date will be recalculated to the previous business day. Once the payment is released and processed, the due date will be reset back to the original setting. This allows the transaction to always fall on a business day and is displayed as the “Actual Due Date.” The “Release Availability” date shows when the transaction is available for release.  

The Cross Reference Number field is optional. It identifies an Originator-assigned reference number for the transaction.

• Next, Enter Amount
• Select the Expiry Date if this is a record that requires an end date after which transactions are no longer created.
• Then select a Frequency from the drop-down list. 
• Next, enter the transaction type. To find a transaction type, click on Look up Type and select from the list.

The Returns Account Information is automatically populated with the settlement account information provided by the financial institution

The Originator Sundry Information field is optional. It is used to identify additional information such as a billing period or pay period.

The Mark as Dormant option defaults to No. Select Yes to mark a record as dormant for a period in which no transactions are created.

Enter the “from” and “to” dates and then indicate if the dormant period is to recur annually. For this example, we’ll use the default setting.

The Comments field is used for the Originator’s reference only. Comments can be entered for the Payee/Payor record but will not be transmitted with the transaction.

To complete the new task, click Add Record.

The Receipt page shows that the record was added successfully. It displays the information that was entered for this record.

To add another record, select Add New Record.

To make changes to this record, select Edit Current Record.

To print the page, click Print Receipt.

This video demonstrates how to manage AFT records.

Users can edit or view a single record; make multiple changes to various records at the same time, make the same change to a group of records at the same time, or delete several records at the same time.

In PaymentStream Direct, select “Perform Automated Fund Transfer”:

• Select the Originator
• Select Manage Records
• And select Submit

If you’re already in the system, select Manage Records in the navigation menu.

To view, modify, or delete a single record, click Edit/View Single Record.

On the Search page, the record type defaults to “All”. To narrow down the search results, select a record type and enter other search criteria then click Search.

To sort the results, click the Sort Option drop-down arrow, make your selection and then click Sort.   

To open a record for editing, click on the name in the Payor/Payee column.

On the edit record page, fields are open to make changes

For example, to change the due date, click the calendar and select the new date; to change the amount, select the current amount and enter the new amount; to change the frequency, select a different frequency from the dropdown list.

• To delete a record, click Delete 
• To save changes, click Update

The Receipt page shows that the record was modified successfully.

To modify another record, click Return to Search Results.

To make further changes to the same record, click Edit Current Record.

To print the page, click Print Receipt.

To access a different modification option, click Manage Records in the navigation menu.

To make multiple changes to various records at the same time, select Multiple Changes.

On the Search page, the record type defaults to “All”

Select Debit or Credit if you’re looking for separate results and then select other search criteria. For this example, I’ll search on the Due Date and the Amount.

And then you can select a sort option to determine how the results are displayed. The results are displayed at the bottom of the page If the results produce more than 150 records, they will be displayed on separate pages

Records that are being modified are only open to one user at a time. Other users will receive an error message if they try to access a record that is open for editing.

• For the first one, I’ll change the amount
• For the next one, I’ll change the due date
• And on this one, I’ll change the account number

If you have a lot of records on one page or if you have multiple pages of records, you can select Save Changes and continue . This saves and highlights the changes that have been made so far, and then you can continue making changes.

• For this one I’ll change the transit number
• And on this one I’ll change the amount

If you select Cancel before submitting changes, you can choose to cancel changes on a current page or you can cancel all the changes that you’ve made.

When you’re finished making changes, select Finish and Submit Changes.

Now you have the option of going back to review the changes; or you can select Yes to proceed. A list of the modified records is displayed.

• To make more multiple changes, select Return to Multiple Changes.
• To print the page, select Print Receipt
• To access a different modification option, select Manage Records in the navigation menu
• To make the same change to a group of records at the same time, click Mass Changes

On the Search page, select the record type and enter any other search criteria. And then click Search.

All the records in the search results are selected by default. Users can de-select the records that will not be included in the group. Click Continue.

The Mass Change screen shows the number of records selected for the group update. 

Users can make changes to any of the options available on this page. For this example, I’ll change the amount for the selected and then Click Update.

The Modified Records page displays the revised records.  

• To print this page, click Print Receipt.
• To return to the Search screen, click Return to Mass Changes
• To access a different modification option, click Manage Records in the navigation menu.
• To delete numerous records at the same time, select Mass Delete

On the Search page, select the record type and enter other search criteria then click Search. All the records are selected by default. You can deselect any records that you don’t want to delete.

Then, select Delete All Selected.

The system asks you to confirm the deletion. Once records are deleted, they cannot be retrieved.

The Mass Delete confirmation page shows a list of the deleted records

This video demonstrates how to release AFT transactions manually.

In PaymentStream Direct, select “Perform Automated Fund Transfer” then:

• Select the Originator
• Select Release Transactions
• And select Submit

If you’re already in the system, select Release Transactions in the navigation menu. The limits are shown on the right.

Users can select available transactions up to 3 business days in advance of the due date.

Alternatively, users can search by Date Range. When this option is selected, the user selects From and to dates to search for transactions due up to 14 calendar days in advance.

Under Advanced Options, users can select to release credit or debit records separately and enter further search criteria.

After selections are made, select Search. The search results are displayed at the bottom. All transactions available for release are selected by default. Deselect any transactions that are not to be released at this time then, select Release Transactions.

The top of the confirmation page displays a summary of the release. This is followed by transaction details for each record.

• To make changes, select Edit.
• To cancel the release, select Cancel.
• To proceed, select Confirm Release of Transactions.
• The Receipt page indicates that the transactions were successfully released.
• To print the page, select Print Receipt.
• To continue releasing transactions, select Release More Transactions.

This video demonstrates the approval process for released transactions that require second authorization.

When released transactions require second authorization, an email is sent to users with approval permissions. The Notifications tab at the top right of the screen shows how many tasks are pending your approval. 

Tasks that are pending approval are stored on the Tasks page in PaymentStream Direct. To access the Tasks page, click on the Administration tab. Alternatively, select Notifications, and then click on the number of tasks that are pending your approval. 

To view a pending task, click the Needs Approval link.

• The release details are displayed at the top of the page
• The released transactions are shown as a summary
• To view details of the released transactions, click View Details

The transactions in the release are approved or rejected as a single task. To approve or reject the release, click the drop-down arrow in the Action line, make your selection, and click Submit. The receipt page shows that the task was approved and is complete

• To print the page, click Print Receipt 
• To view other pending tasks, click Return to Tasks

This video demonstrates how to access and Run reports.

In PaymentStream Direct,

• Select “Perform Automated Fund Transfer”
• Then select the Originator
• Select Reports
• And click Submit

If you’re already in the system, select Reports in the navigation menu.

PaymentStream AFT provides 6 reports for Manual Release: The Activity Log, the Release History, the Transaction History, the Record Change, the Payor/Payee Listing, and the Originator Change.

To search for and view file activity, select the Activity Log.

• On the Search Page, enter specific search criteria. You can choose a filter; you can search by Username, and you can edit the Activity Date Range  
• Then select Create Report. The results show the date the file was released and provide a Description for the Release.

If a file contains an error or a warning, select the hyperlink in the Description column to see the details.

• To print the list of results, select the printer icon.
• To view transaction files that were successfully validated by the system, select the Release History report.

Enter search criteria.

• You can search on Release Date, Transaction Type, Cross Reference Number, Account Number and Return Account.
• You can modify the due date  
• Then click Create Report.

The results show the Released Date, and the Debit and Credit totals. The results can be sorted by clicking on a column heading

To see the specifics of a Release, click on the Released Date.

A summary is provided at the top of the page, and then you have sort options available.

To sort on the transactions, click the Sort Option drop-down arrow, make your selection, and click Sort. The results can be printed or exported to CSV or PDF. 

To view details of a different Release, select Return to search results and then select another Release from the column.

To view transactions that were transmitted successfully, select the Transaction History report.

On the Search page, enter search criteria.

• You can search on Payor/Payee Name, Account Number, Transaction Type, Cross Reference Number, File Creation Number, and Return Account.
• You can modify the Due Date. 
• When you are finished entering criteria select Create Report.

The results show the details for each record, including the due date.

To sort the search results, select the Sort Option drop-down arrow, make your selection, and select Sort. The results can be printed or exported to CSV or PDF.

When you export the information to CSV, you will also see the File Creation Number and the File Creation Date.

To search for and view changes to Payee/Payor records, select the Record Change report. Enter search criteria.

• You can modify the Changed Date Range 
• You can search on a username and you can select a Source of Change. The options are added records, all changes, deleted records, single edits, Mass changes, Multiple Changes, Mass Delete, and Release Transactions

Then click Create Report.

The results show the details for each record, including the Action, which is the Source of Change that was selected.

To sort the search results, click the Sort Option drop-down arrow, make your selection, and select Sort. The results can be printed or exported to CSV.

To search for and view a list of the records on PaymentStream AFT:

• Select the Payor/Payee Listing report.
• Enter Search criteria. You can search on Transaction Type, Cross Reference Number, Account Number, Dormant Date, and Return Account.
• You can modify the Due Date.
• Then select Create Report.

A summary is provided at the top of the page

To sort the search results, select the Sort Option drop-down arrow, make your selection, and click Sort. The results can be printed or exported to CSV.

A speech bubble indicates that the record has a comment. To view comments associated with a record, export the results to CSV and read the comment in the Comments column.

To search for and view changes made to the Originator information, select the Originator Change Report.

• On the search page, enter search criteria
• You can modify the Changed Date Range
• You can search by Username, and you can select a Source of Change
• You can choose from what has been added, all changes, or all deletes.
• Then select Create Report.

The results show the Originator Name, the name of the field that was changed, the Old and New Information, the Action, which is the Source of Change, the date and time, and the username.

To sort the results, select the Sort Option drop-down arrow, make your selection, and select Sort. The results can be printed or exported to CSV. 

Settlement reports are back-end processing reports. They are produced after AFT transactions are delivered from PaymentStream AFT to Central 1.

This video demonstrates how business member Originators access Settlement Reports.

In PaymentStream Direct, select the dropdown arrow and select “Perform Automated Fund Transfer”:

• Select the Originator
• Select Settlement Reports
• And click Submit

If you’re already in the system, select Settlement Reports in the navigation menu.

Select the appropriate MERG file to open the report. The files are listed by date.

You can print the settlement reports, but it is recommended that you save and archive the reports, since they are removed from the system after 30 days.

This video demonstrates how to access and search Archived Tasks.

To access the Archived Tasks page, click on the Administration tab. The system defaults to the Tasks page, which lists recently submitted tasks.

• To view the archives, click Archived Tasks in the navigation menu.
• To filter the results, you can enter specific search criteria. For example, enter an Originator ID.
• Under Advanced Options you can enter further specifics, such as Initiator ID. 

In the Amount field, you can select Below, Above or Equal, and then enter an amount. 

You can enter an Initiated Date.

When you’re finished entering criteria, click Search. The results can be exported to CSV.

You can sort the tasks by column. To see the details of a task, click on the link in the Status column. 

User management - Adding payment stream AFT access to a business or credit union user

This training module teaches security officers with PaymentStream AFT administrative access how to grant PaymentStream AFT access to business and credit union users

Administrative access to PaymentStream AFT is granted in CPS admin. Proceed as follows to add PaymentStream AFT permissions to a business or credit union user:

• login to user management
• select the appropriate user to modify
• select add AFT permissions from the “take action” dropdown menu
• click select
• complete the AFT Permissions page. This page is used to determine what permissions the PaymentStream AFT user has in the PaymentStream AFT application.

If the user requires approval for tasks and transactions select “yes” under requires approval for tasks/ transactions.

If the user can approve transactions that are above a business originators assigned risk threshold select “yes” under can approve risk management.

Next are two lists of originator IDs. The first list is a list of credit union originator ID's. The second is a list of business originator IDs.

The checkboxes next to the originator IDs are used to assign access permissions for each originator ID.

Selecting “assign read access” will allow the user to view the originator ID information screen, reports, tasks and transactions for the selected originator. the user must have read access assigned before they can be assigned any other level of access.

Selecting “perform tasks and transactions” will allow the user to perform tasks and transactions for the selected originator ID.

Selecting “approver for this originator ID” will allow the user to approve transactions for the selected originator ID.

A user who requires approval is any user that has requires approval for their tasks/transactions set to “yes”.

Selecting “edit originator ID” allows the user to edit the contact information, emails and limits of the selected originator ID. This option is only available to credit union users.

Once all access permissions are set, click submit. A confirmation page is displayed. Click confirm. A receipt page is displayed.

Another security officer must approve the request before it is completed.

User Management – Modifying and removing PaymentStream AFT access for a business or credit union user

This training module teaches security officers with PaymentStream AFT administrative access how to modify and remove PaymentStream AFT access for business and credit union users

Proceed as follows to modify payment stream AFT permissions for a business or credit union user:

• log into user management
• select the appropriate user to modify
• select modify AFT permissions from the “take action” dropdown menu click select
• complete the AFT permissions page

For more information on each of the AFT permissions refer to user management adding payment stream AFT access to a business or credit union user

Once all access permissions are set click submit. A confirmation page is displayed. Click confirm. A receipt page is displayed.

Another security officer must approve the request before it is completed.

Proceed as follows to remove payment stream AFT permissions from a business or credit union user: 

• Login to user management
• Select the appropriate user to modify
• Select remove AFT permissions from the take action dropdown menu, click select
• Select “remove application”. A confirmation message is displayed.
• Select “yes remove application”. A receipt page is displayed.  PaymentStream AFT permissions have been removed from this user.