{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"Bulk Payments via SFTP","description":"Secure, RESTful access to Bermuda Commercial Bank's financial services. Built for developers integrating account data, transfers, and more.","keywords":["Bermuda Commercial Bank","BCB API","Open Banking","Financial API","Banking API","Developer Portal"],"llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"bulk-payments-via-sftp","__idx":0},"children":["Bulk Payments via SFTP"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Use BCB SFTP to submit high-volume payment files in a secure, structured way."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["New to this channel?"]}," Start with ",{"$$mdtype":"Tag","name":"a","attributes":{"href":"/guides/bulk-payments-sftp-getting-started"},"children":["Getting Started: Bulk Payments via SFTP"]}," for the end-to-end customer journey (credentials, configuring your SFTP client, and what to do before you upload files)."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"1-overview","__idx":1},"children":["1. Overview"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Bulk Payments"]}," service allows clients to submit multiple payment instructions in a single ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["ISO 20022 ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.001"]}]}," file."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["BCB provisions dedicated SFTP credentials (a unique username and SSH key) and a client-isolated remote directory for each client."," ","Clients connect using their preferred SFTP tool or treasury platform and upload files to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/input"]},"."]},{"$$mdtype":"Tag","name":"Mermaid","attributes":{"data-language":"mermaid","diagramSource":"sequenceDiagram\n    participant customer as Customer\n    participant bcbSftp as BCB_SFTP\n    participant bulkEngine as Bulk_Payments_Engine\n    participant cbalT24 as CBAL_T24\n\n    customer->>bcbSftp: Upload pain.001 to /input\n    bcbSftp->>bulkEngine: New file detected\n    bulkEngine->>bulkEngine: Validate format and duplicate checks\n    bulkEngine->>bulkEngine: Create batch record and archive original\n    loop Per payment instruction\n      bulkEngine->>cbalT24: Submit individual payment\n      cbalT24-->>bulkEngine: Status or result\n    end\n    bulkEngine->>bcbSftp: Write pain.002 output artifact\n    bulkEngine->>bcbSftp: Write daily camt.053 reconciliation\n    bulkEngine->>bcbSftp: Move final artifacts to /output\n","diagramHtml":"<div class=\"mermaid\" data-processed=\"true\"><svg id=\"mermaid-1776784512011\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" style=\"max-width: 1107px;\" viewBox=\"-50 -10 1107 774\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><g><rect x=\"857\" y=\"688\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"cbalT24\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"932\" y=\"720.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400;\"><tspan x=\"932\" dy=\"0\">CBAL_T24</tspan></text></g><g><rect x=\"567\" y=\"688\" fill=\"#eaeaea\" stroke=\"#666\" width=\"190\" height=\"65\" name=\"bulkEngine\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"662\" y=\"720.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400;\"><tspan x=\"662\" dy=\"0\">Bulk_Payments_Engine</tspan></text></g><g><rect x=\"261\" y=\"688\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"bcbSftp\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"336\" y=\"720.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400;\"><tspan x=\"336\" dy=\"0\">BCB_SFTP</tspan></text></g><g><rect x=\"0\" y=\"688\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"customer\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"75\" y=\"720.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400;\"><tspan x=\"75\" dy=\"0\">Customer</tspan></text></g><g><line id=\"actor3\" x1=\"932\" y1=\"65\" x2=\"932\" y2=\"688\" class=\"actor-line 200\" stroke-width=\"0.5px\" stroke=\"#999\" name=\"cbalT24\"></line><g id=\"root-3\"><rect x=\"857\" y=\"0\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"cbalT24\" rx=\"3\" ry=\"3\" class=\"actor actor-top\"></rect><text x=\"932\" y=\"32.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400;\"><tspan x=\"932\" dy=\"0\">CBAL_T24</tspan></text></g></g><g><line id=\"actor2\" x1=\"662\" y1=\"65\" x2=\"662\" y2=\"688\" class=\"actor-line 200\" stroke-width=\"0.5px\" stroke=\"#999\" name=\"bulkEngine\"></line><g id=\"root-2\"><rect x=\"567\" y=\"0\" fill=\"#eaeaea\" stroke=\"#666\" width=\"190\" height=\"65\" name=\"bulkEngine\" rx=\"3\" ry=\"3\" class=\"actor actor-top\"></rect><text x=\"662\" y=\"32.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400;\"><tspan x=\"662\" dy=\"0\">Bulk_Payments_Engine</tspan></text></g></g><g><line id=\"actor1\" x1=\"336\" y1=\"65\" x2=\"336\" y2=\"688\" class=\"actor-line 200\" stroke-width=\"0.5px\" stroke=\"#999\" name=\"bcbSftp\"></line><g id=\"root-1\"><rect x=\"261\" y=\"0\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"bcbSftp\" rx=\"3\" ry=\"3\" class=\"actor actor-top\"></rect><text x=\"336\" y=\"32.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400;\"><tspan x=\"336\" dy=\"0\">BCB_SFTP</tspan></text></g></g><g><line id=\"actor0\" x1=\"75\" y1=\"65\" x2=\"75\" y2=\"688\" class=\"actor-line 200\" stroke-width=\"0.5px\" stroke=\"#999\" name=\"customer\"></line><g id=\"root-0\"><rect x=\"0\" y=\"0\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"customer\" rx=\"3\" ry=\"3\" class=\"actor actor-top\"></rect><text x=\"75\" y=\"32.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400;\"><tspan x=\"75\" dy=\"0\">Customer</tspan></text></g></g><style>#mermaid-1776784512011{font-family:\"trebuchet ms\",verdana,arial,sans-serif;font-size:16px;fill:#333;}@keyframes edge-animation-frame{from{stroke-dashoffset:0;}}@keyframes dash{to{stroke-dashoffset:0;}}#mermaid-1776784512011 .edge-animation-slow{stroke-dasharray:9,5!important;stroke-dashoffset:900;animation:dash 50s linear infinite;stroke-linecap:round;}#mermaid-1776784512011 .edge-animation-fast{stroke-dasharray:9,5!important;stroke-dashoffset:900;animation:dash 20s linear infinite;stroke-linecap:round;}#mermaid-1776784512011 .error-icon{fill:#552222;}#mermaid-1776784512011 .error-text{fill:#552222;stroke:#552222;}#mermaid-1776784512011 .edge-thickness-normal{stroke-width:1px;}#mermaid-1776784512011 .edge-thickness-thick{stroke-width:3.5px;}#mermaid-1776784512011 .edge-pattern-solid{stroke-dasharray:0;}#mermaid-1776784512011 .edge-thickness-invisible{stroke-width:0;fill:none;}#mermaid-1776784512011 .edge-pattern-dashed{stroke-dasharray:3;}#mermaid-1776784512011 .edge-pattern-dotted{stroke-dasharray:2;}#mermaid-1776784512011 .marker{fill:#333333;stroke:#333333;}#mermaid-1776784512011 .marker.cross{stroke:#333333;}#mermaid-1776784512011 svg{font-family:\"trebuchet ms\",verdana,arial,sans-serif;font-size:16px;}#mermaid-1776784512011 p{margin:0;}#mermaid-1776784512011 .actor{stroke:hsl(259.6261682243, 59.7765363128%, 87.9019607843%);fill:#ECECFF;}#mermaid-1776784512011 text.actor&gt;tspan{fill:black;stroke:none;}#mermaid-1776784512011 .actor-line{stroke:hsl(259.6261682243, 59.7765363128%, 87.9019607843%);}#mermaid-1776784512011 .innerArc{stroke-width:1.5;stroke-dasharray:none;}#mermaid-1776784512011 .messageLine0{stroke-width:1.5;stroke-dasharray:none;stroke:#333;}#mermaid-1776784512011 .messageLine1{stroke-width:1.5;stroke-dasharray:2,2;stroke:#333;}#mermaid-1776784512011 #arrowhead path{fill:#333;stroke:#333;}#mermaid-1776784512011 .sequenceNumber{fill:white;}#mermaid-1776784512011 #sequencenumber{fill:#333;}#mermaid-1776784512011 #crosshead path{fill:#333;stroke:#333;}#mermaid-1776784512011 .messageText{fill:#333;stroke:none;}#mermaid-1776784512011 .labelBox{stroke:hsl(259.6261682243, 59.7765363128%, 87.9019607843%);fill:#ECECFF;}#mermaid-1776784512011 .labelText,#mermaid-1776784512011 .labelText&gt;tspan{fill:black;stroke:none;}#mermaid-1776784512011 .loopText,#mermaid-1776784512011 .loopText&gt;tspan{fill:black;stroke:none;}#mermaid-1776784512011 .loopLine{stroke-width:2px;stroke-dasharray:2,2;stroke:hsl(259.6261682243, 59.7765363128%, 87.9019607843%);fill:hsl(259.6261682243, 59.7765363128%, 87.9019607843%);}#mermaid-1776784512011 .note{stroke:#aaaa33;fill:#fff5ad;}#mermaid-1776784512011 .noteText,#mermaid-1776784512011 .noteText&gt;tspan{fill:black;stroke:none;}#mermaid-1776784512011 .activation0{fill:#f4f4f4;stroke:#666;}#mermaid-1776784512011 .activation1{fill:#f4f4f4;stroke:#666;}#mermaid-1776784512011 .activation2{fill:#f4f4f4;stroke:#666;}#mermaid-1776784512011 .actorPopupMenu{position:absolute;}#mermaid-1776784512011 .actorPopupMenuPanel{position:absolute;fill:#ECECFF;box-shadow:0px 8px 16px 0px rgba(0,0,0,0.2);filter:drop-shadow(3px 5px 2px rgb(0 0 0 / 0.4));}#mermaid-1776784512011 .actor-man line{stroke:hsl(259.6261682243, 59.7765363128%, 87.9019607843%);fill:#ECECFF;}#mermaid-1776784512011 .actor-man circle,#mermaid-1776784512011 line{stroke:hsl(259.6261682243, 59.7765363128%, 87.9019607843%);fill:#ECECFF;stroke-width:2px;}#mermaid-1776784512011 :root{--mermaid-font-family:\"trebuchet ms\",verdana,arial,sans-serif;}</style><g></g><defs><symbol id=\"computer\" width=\"24\" height=\"24\"><path transform=\"scale(.5)\" d=\"M2 2v13h20v-13h-20zm18 11h-16v-9h16v9zm-10.228 6l.466-1h3.524l.467 1h-4.457zm14.228 3h-24l2-6h2.104l-1.33 4h18.45l-1.297-4h2.073l2 6zm-5-10h-14v-7h14v7z\"></path></symbol></defs><defs><symbol id=\"database\" fill-rule=\"evenodd\" clip-rule=\"evenodd\"><path transform=\"scale(.5)\" d=\"M12.258.001l.256.004.255.005.253.008.251.01.249.012.247.015.246.016.242.019.241.02.239.023.236.024.233.027.231.028.229.031.225.032.223.034.22.036.217.038.214.04.211.041.208.043.205.045.201.046.198.048.194.05.191.051.187.053.183.054.18.056.175.057.172.059.168.06.163.061.16.063.155.064.15.066.074.033.073.033.071.034.07.034.069.035.068.035.067.035.066.035.064.036.064.036.062.036.06.036.06.037.058.037.058.037.055.038.055.038.053.038.052.038.051.039.05.039.048.039.047.039.045.04.044.04.043.04.041.04.04.041.039.041.037.041.036.041.034.041.033.042.032.042.03.042.029.042.027.042.026.043.024.043.023.043.021.043.02.043.018.044.017.043.015.044.013.044.012.044.011.045.009.044.007.045.006.045.004.045.002.045.001.045v17l-.001.045-.002.045-.004.045-.006.045-.007.045-.009.044-.011.045-.012.044-.013.044-.015.044-.017.043-.018.044-.02.043-.021.043-.023.043-.024.043-.026.043-.027.042-.029.042-.03.042-.032.042-.033.042-.034.041-.036.041-.037.041-.039.041-.04.041-.041.04-.043.04-.044.04-.045.04-.047.039-.048.039-.05.039-.051.039-.052.038-.053.038-.055.038-.055.038-.058.037-.058.037-.06.037-.06.036-.062.036-.064.036-.064.036-.066.035-.067.035-.068.035-.069.035-.07.034-.071.034-.073.033-.074.033-.15.066-.155.064-.16.063-.163.061-.168.06-.172.059-.175.057-.18.056-.183.054-.187.053-.191.051-.194.05-.198.048-.201.046-.205.045-.208.043-.211.041-.214.04-.217.038-.22.036-.223.034-.225.032-.229.031-.231.028-.233.027-.236.024-.239.023-.241.02-.242.019-.246.016-.247.015-.249.012-.251.01-.253.008-.255.005-.256.004-.258.001-.258-.001-.256-.004-.255-.005-.253-.008-.251-.01-.249-.012-.247-.015-.245-.016-.243-.019-.241-.02-.238-.023-.236-.024-.234-.027-.231-.028-.228-.031-.226-.032-.223-.034-.22-.036-.217-.038-.214-.04-.211-.041-.208-.043-.204-.045-.201-.046-.198-.048-.195-.05-.19-.051-.187-.053-.184-.054-.179-.056-.176-.057-.172-.059-.167-.06-.164-.061-.159-.063-.155-.064-.151-.066-.074-.033-.072-.033-.072-.034-.07-.034-.069-.035-.068-.035-.067-.035-.066-.035-.064-.036-.063-.036-.062-.036-.061-.036-.06-.037-.058-.037-.057-.037-.056-.038-.055-.038-.053-.038-.052-.038-.051-.039-.049-.039-.049-.039-.046-.039-.046-.04-.044-.04-.043-.04-.041-.04-.04-.041-.039-.041-.037-.041-.036-.041-.034-.041-.033-.042-.032-.042-.03-.042-.029-.042-.027-.042-.026-.043-.024-.043-.023-.043-.021-.043-.02-.043-.018-.044-.017-.043-.015-.044-.013-.044-.012-.044-.011-.045-.009-.044-.007-.045-.006-.045-.004-.045-.002-.045-.001-.045v-17l.001-.045.002-.045.004-.045.006-.045.007-.045.009-.044.011-.045.012-.044.013-.044.015-.044.017-.043.018-.044.02-.043.021-.043.023-.043.024-.043.026-.043.027-.042.029-.042.03-.042.032-.042.033-.042.034-.041.036-.041.037-.041.039-.041.04-.041.041-.04.043-.04.044-.04.046-.04.046-.039.049-.039.049-.039.051-.039.052-.038.053-.038.055-.038.056-.038.057-.037.058-.037.06-.037.061-.036.062-.036.063-.036.064-.036.066-.035.067-.035.068-.035.069-.035.07-.034.072-.034.072-.033.074-.033.151-.066.155-.064.159-.063.164-.061.167-.06.172-.059.176-.057.179-.056.184-.054.187-.053.19-.051.195-.05.198-.048.201-.046.204-.045.208-.043.211-.041.214-.04.217-.038.22-.036.223-.034.226-.032.228-.031.231-.028.234-.027.236-.024.238-.023.241-.02.243-.019.245-.016.247-.015.249-.012.251-.01.253-.008.255-.005.256-.004.258-.001.258.001zm-9.258 20.499v.01l.001.021.003.021.004.022.005.021.006.022.007.022.009.023.01.022.011.023.012.023.013.023.015.023.016.024.017.023.018.024.019.024.021.024.022.025.023.024.024.025.052.049.056.05.061.051.066.051.07.051.075.051.079.052.084.052.088.052.092.052.097.052.102.051.105.052.11.052.114.051.119.051.123.051.127.05.131.05.135.05.139.048.144.049.147.047.152.047.155.047.16.045.163.045.167.043.171.043.176.041.178.041.183.039.187.039.19.037.194.035.197.035.202.033.204.031.209.03.212.029.216.027.219.025.222.024.226.021.23.02.233.018.236.016.24.015.243.012.246.01.249.008.253.005.256.004.259.001.26-.001.257-.004.254-.005.25-.008.247-.011.244-.012.241-.014.237-.016.233-.018.231-.021.226-.021.224-.024.22-.026.216-.027.212-.028.21-.031.205-.031.202-.034.198-.034.194-.036.191-.037.187-.039.183-.04.179-.04.175-.042.172-.043.168-.044.163-.045.16-.046.155-.046.152-.047.148-.048.143-.049.139-.049.136-.05.131-.05.126-.05.123-.051.118-.052.114-.051.11-.052.106-.052.101-.052.096-.052.092-.052.088-.053.083-.051.079-.052.074-.052.07-.051.065-.051.06-.051.056-.05.051-.05.023-.024.023-.025.021-.024.02-.024.019-.024.018-.024.017-.024.015-.023.014-.024.013-.023.012-.023.01-.023.01-.022.008-.022.006-.022.006-.022.004-.022.004-.021.001-.021.001-.021v-4.127l-.077.055-.08.053-.083.054-.085.053-.087.052-.09.052-.093.051-.095.05-.097.05-.1.049-.102.049-.105.048-.106.047-.109.047-.111.046-.114.045-.115.045-.118.044-.12.043-.122.042-.124.042-.126.041-.128.04-.13.04-.132.038-.134.038-.135.037-.138.037-.139.035-.142.035-.143.034-.144.033-.147.032-.148.031-.15.03-.151.03-.153.029-.154.027-.156.027-.158.026-.159.025-.161.024-.162.023-.163.022-.165.021-.166.02-.167.019-.169.018-.169.017-.171.016-.173.015-.173.014-.175.013-.175.012-.177.011-.178.01-.179.008-.179.008-.181.006-.182.005-.182.004-.184.003-.184.002h-.37l-.184-.002-.184-.003-.182-.004-.182-.005-.181-.006-.179-.008-.179-.008-.178-.01-.176-.011-.176-.012-.175-.013-.173-.014-.172-.015-.171-.016-.17-.017-.169-.018-.167-.019-.166-.02-.165-.021-.163-.022-.162-.023-.161-.024-.159-.025-.157-.026-.156-.027-.155-.027-.153-.029-.151-.03-.15-.03-.148-.031-.146-.032-.145-.033-.143-.034-.141-.035-.14-.035-.137-.037-.136-.037-.134-.038-.132-.038-.13-.04-.128-.04-.126-.041-.124-.042-.122-.042-.12-.044-.117-.043-.116-.045-.113-.045-.112-.046-.109-.047-.106-.047-.105-.048-.102-.049-.1-.049-.097-.05-.095-.05-.093-.052-.09-.051-.087-.052-.085-.053-.083-.054-.08-.054-.077-.054v4.127zm0-5.654v.011l.001.021.003.021.004.021.005.022.006.022.007.022.009.022.01.022.011.023.012.023.013.023.015.024.016.023.017.024.018.024.019.024.021.024.022.024.023.025.024.024.052.05.056.05.061.05.066.051.07.051.075.052.079.051.084.052.088.052.092.052.097.052.102.052.105.052.11.051.114.051.119.052.123.05.127.051.131.05.135.049.139.049.144.048.147.048.152.047.155.046.16.045.163.045.167.044.171.042.176.042.178.04.183.04.187.038.19.037.194.036.197.034.202.033.204.032.209.03.212.028.216.027.219.025.222.024.226.022.23.02.233.018.236.016.24.014.243.012.246.01.249.008.253.006.256.003.259.001.26-.001.257-.003.254-.006.25-.008.247-.01.244-.012.241-.015.237-.016.233-.018.231-.02.226-.022.224-.024.22-.025.216-.027.212-.029.21-.03.205-.032.202-.033.198-.035.194-.036.191-.037.187-.039.183-.039.179-.041.175-.042.172-.043.168-.044.163-.045.16-.045.155-.047.152-.047.148-.048.143-.048.139-.05.136-.049.131-.05.126-.051.123-.051.118-.051.114-.052.11-.052.106-.052.101-.052.096-.052.092-.052.088-.052.083-.052.079-.052.074-.051.07-.052.065-.051.06-.05.056-.051.051-.049.023-.025.023-.024.021-.025.02-.024.019-.024.018-.024.017-.024.015-.023.014-.023.013-.024.012-.022.01-.023.01-.023.008-.022.006-.022.006-.022.004-.021.004-.022.001-.021.001-.021v-4.139l-.077.054-.08.054-.083.054-.085.052-.087.053-.09.051-.093.051-.095.051-.097.05-.1.049-.102.049-.105.048-.106.047-.109.047-.111.046-.114.045-.115.044-.118.044-.12.044-.122.042-.124.042-.126.041-.128.04-.13.039-.132.039-.134.038-.135.037-.138.036-.139.036-.142.035-.143.033-.144.033-.147.033-.148.031-.15.03-.151.03-.153.028-.154.028-.156.027-.158.026-.159.025-.161.024-.162.023-.163.022-.165.021-.166.02-.167.019-.169.018-.169.017-.171.016-.173.015-.173.014-.175.013-.175.012-.177.011-.178.009-.179.009-.179.007-.181.007-.182.005-.182.004-.184.003-.184.002h-.37l-.184-.002-.184-.003-.182-.004-.182-.005-.181-.007-.179-.007-.179-.009-.178-.009-.176-.011-.176-.012-.175-.013-.173-.014-.172-.015-.171-.016-.17-.017-.169-.018-.167-.019-.166-.02-.165-.021-.163-.022-.162-.023-.161-.024-.159-.025-.157-.026-.156-.027-.155-.028-.153-.028-.151-.03-.15-.03-.148-.031-.146-.033-.145-.033-.143-.033-.141-.035-.14-.036-.137-.036-.136-.037-.134-.038-.132-.039-.13-.039-.128-.04-.126-.041-.124-.042-.122-.043-.12-.043-.117-.044-.116-.044-.113-.046-.112-.046-.109-.046-.106-.047-.105-.048-.102-.049-.1-.049-.097-.05-.095-.051-.093-.051-.09-.051-.087-.053-.085-.052-.083-.054-.08-.054-.077-.054v4.139zm0-5.666v.011l.001.02.003.022.004.021.005.022.006.021.007.022.009.023.01.022.011.023.012.023.013.023.015.023.016.024.017.024.018.023.019.024.021.025.022.024.023.024.024.025.052.05.056.05.061.05.066.051.07.051.075.052.079.051.084.052.088.052.092.052.097.052.102.052.105.051.11.052.114.051.119.051.123.051.127.05.131.05.135.05.139.049.144.048.147.048.152.047.155.046.16.045.163.045.167.043.171.043.176.042.178.04.183.04.187.038.19.037.194.036.197.034.202.033.204.032.209.03.212.028.216.027.219.025.222.024.226.021.23.02.233.018.236.017.24.014.243.012.246.01.249.008.253.006.256.003.259.001.26-.001.257-.003.254-.006.25-.008.247-.01.244-.013.241-.014.237-.016.233-.018.231-.02.226-.022.224-.024.22-.025.216-.027.212-.029.21-.03.205-.032.202-.033.198-.035.194-.036.191-.037.187-.039.183-.039.179-.041.175-.042.172-.043.168-.044.163-.045.16-.045.155-.047.152-.047.148-.048.143-.049.139-.049.136-.049.131-.051.126-.05.123-.051.118-.052.114-.051.11-.052.106-.052.101-.052.096-.052.092-.052.088-.052.083-.052.079-.052.074-.052.07-.051.065-.051.06-.051.056-.05.051-.049.023-.025.023-.025.021-.024.02-.024.019-.024.018-.024.017-.024.015-.023.014-.024.013-.023.012-.023.01-.022.01-.023.008-.022.006-.022.006-.022.004-.022.004-.021.001-.021.001-.021v-4.153l-.077.054-.08.054-.083.053-.085.053-.087.053-.09.051-.093.051-.095.051-.097.05-.1.049-.102.048-.105.048-.106.048-.109.046-.111.046-.114.046-.115.044-.118.044-.12.043-.122.043-.124.042-.126.041-.128.04-.13.039-.132.039-.134.038-.135.037-.138.036-.139.036-.142.034-.143.034-.144.033-.147.032-.148.032-.15.03-.151.03-.153.028-.154.028-.156.027-.158.026-.159.024-.161.024-.162.023-.163.023-.165.021-.166.02-.167.019-.169.018-.169.017-.171.016-.173.015-.173.014-.175.013-.175.012-.177.01-.178.01-.179.009-.179.007-.181.006-.182.006-.182.004-.184.003-.184.001-.185.001-.185-.001-.184-.001-.184-.003-.182-.004-.182-.006-.181-.006-.179-.007-.179-.009-.178-.01-.176-.01-.176-.012-.175-.013-.173-.014-.172-.015-.171-.016-.17-.017-.169-.018-.167-.019-.166-.02-.165-.021-.163-.023-.162-.023-.161-.024-.159-.024-.157-.026-.156-.027-.155-.028-.153-.028-.151-.03-.15-.03-.148-.032-.146-.032-.145-.033-.143-.034-.141-.034-.14-.036-.137-.036-.136-.037-.134-.038-.132-.039-.13-.039-.128-.041-.126-.041-.124-.041-.122-.043-.12-.043-.117-.044-.116-.044-.113-.046-.112-.046-.109-.046-.106-.048-.105-.048-.102-.048-.1-.05-.097-.049-.095-.051-.093-.051-.09-.052-.087-.052-.085-.053-.083-.053-.08-.054-.077-.054v4.153zm8.74-8.179l-.257.004-.254.005-.25.008-.247.011-.244.012-.241.014-.237.016-.233.018-.231.021-.226.022-.224.023-.22.026-.216.027-.212.028-.21.031-.205.032-.202.033-.198.034-.194.036-.191.038-.187.038-.183.04-.179.041-.175.042-.172.043-.168.043-.163.045-.16.046-.155.046-.152.048-.148.048-.143.048-.139.049-.136.05-.131.05-.126.051-.123.051-.118.051-.114.052-.11.052-.106.052-.101.052-.096.052-.092.052-.088.052-.083.052-.079.052-.074.051-.07.052-.065.051-.06.05-.056.05-.051.05-.023.025-.023.024-.021.024-.02.025-.019.024-.018.024-.017.023-.015.024-.014.023-.013.023-.012.023-.01.023-.01.022-.008.022-.006.023-.006.021-.004.022-.004.021-.001.021-.001.021.001.021.001.021.004.021.004.022.006.021.006.023.008.022.01.022.01.023.012.023.013.023.014.023.015.024.017.023.018.024.019.024.02.025.021.024.023.024.023.025.051.05.056.05.06.05.065.051.07.052.074.051.079.052.083.052.088.052.092.052.096.052.101.052.106.052.11.052.114.052.118.051.123.051.126.051.131.05.136.05.139.049.143.048.148.048.152.048.155.046.16.046.163.045.168.043.172.043.175.042.179.041.183.04.187.038.191.038.194.036.198.034.202.033.205.032.21.031.212.028.216.027.22.026.224.023.226.022.231.021.233.018.237.016.241.014.244.012.247.011.25.008.254.005.257.004.26.001.26-.001.257-.004.254-.005.25-.008.247-.011.244-.012.241-.014.237-.016.233-.018.231-.021.226-.022.224-.023.22-.026.216-.027.212-.028.21-.031.205-.032.202-.033.198-.034.194-.036.191-.038.187-.038.183-.04.179-.041.175-.042.172-.043.168-.043.163-.045.16-.046.155-.046.152-.048.148-.048.143-.048.139-.049.136-.05.131-.05.126-.051.123-.051.118-.051.114-.052.11-.052.106-.052.101-.052.096-.052.092-.052.088-.052.083-.052.079-.052.074-.051.07-.052.065-.051.06-.05.056-.05.051-.05.023-.025.023-.024.021-.024.02-.025.019-.024.018-.024.017-.023.015-.024.014-.023.013-.023.012-.023.01-.023.01-.022.008-.022.006-.023.006-.021.004-.022.004-.021.001-.021.001-.021-.001-.021-.001-.021-.004-.021-.004-.022-.006-.021-.006-.023-.008-.022-.01-.022-.01-.023-.012-.023-.013-.023-.014-.023-.015-.024-.017-.023-.018-.024-.019-.024-.02-.025-.021-.024-.023-.024-.023-.025-.051-.05-.056-.05-.06-.05-.065-.051-.07-.052-.074-.051-.079-.052-.083-.052-.088-.052-.092-.052-.096-.052-.101-.052-.106-.052-.11-.052-.114-.052-.118-.051-.123-.051-.126-.051-.131-.05-.136-.05-.139-.049-.143-.048-.148-.048-.152-.048-.155-.046-.16-.046-.163-.045-.168-.043-.172-.043-.175-.042-.179-.041-.183-.04-.187-.038-.191-.038-.194-.036-.198-.034-.202-.033-.205-.032-.21-.031-.212-.028-.216-.027-.22-.026-.224-.023-.226-.022-.231-.021-.233-.018-.237-.016-.241-.014-.244-.012-.247-.011-.25-.008-.254-.005-.257-.004-.26-.001-.26.001z\"></path></symbol></defs><defs><symbol id=\"clock\" width=\"24\" height=\"24\"><path transform=\"scale(.5)\" d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm5.848 12.459c.202.038.202.333.001.372-1.907.361-6.045 1.111-6.547 1.111-.719 0-1.301-.582-1.301-1.301 0-.512.77-5.447 1.125-7.445.034-.192.312-.181.343.014l.985 6.238 5.394 1.011z\"></path></symbol></defs><defs><marker id=\"arrowhead\" refX=\"7.9\" refY=\"5\" markerUnits=\"userSpaceOnUse\" markerWidth=\"12\" markerHeight=\"12\" orient=\"auto-start-reverse\"><path d=\"M -1 0 L 10 5 L 0 10 z\"></path></marker></defs><defs><marker id=\"crosshead\" markerWidth=\"15\" markerHeight=\"8\" orient=\"auto\" refX=\"4\" refY=\"4.5\"><path fill=\"none\" stroke=\"#000000\" stroke-width=\"1pt\" d=\"M 1,2 L 6,7 M 6,2 L 1,7\" style=\"stroke-dasharray: 0, 0;\"></path></marker></defs><defs><marker id=\"filled-head\" refX=\"15.5\" refY=\"7\" markerWidth=\"20\" markerHeight=\"28\" orient=\"auto\"><path d=\"M 18,7 L9,13 L14,7 L9,1 Z\"></path></marker></defs><defs><marker id=\"sequencenumber\" refX=\"15\" refY=\"15\" markerWidth=\"60\" markerHeight=\"40\" orient=\"auto\"><circle cx=\"15\" cy=\"15\" r=\"6\"></circle></marker></defs><g><line x1=\"651\" y1=\"351\" x2=\"943\" y2=\"351\" class=\"loopLine\"></line><line x1=\"943\" y1=\"351\" x2=\"943\" y2=\"506\" class=\"loopLine\"></line><line x1=\"651\" y1=\"506\" x2=\"943\" y2=\"506\" class=\"loopLine\"></line><line x1=\"651\" y1=\"351\" x2=\"651\" y2=\"506\" class=\"loopLine\"></line><polygon points=\"651,351 701,351 701,364 692.6,371 651,371\" class=\"labelBox\"></polygon><text x=\"676\" y=\"364\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"labelText\" style=\"font-size: 16px; font-weight: 400;\">loop</text><text x=\"822\" y=\"369\" text-anchor=\"middle\" class=\"loopText\" style=\"font-size: 16px; font-weight: 400;\"><tspan x=\"822\">[Per payment instruction]</tspan></text></g><text x=\"204\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">Upload pain.001 to /input</text><line x1=\"76\" y1=\"119\" x2=\"332\" y2=\"119\" class=\"messageLine0\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"fill: none;\"></line><text x=\"498\" y=\"134\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">New file detected</text><line x1=\"337\" y1=\"173\" x2=\"658\" y2=\"173\" class=\"messageLine0\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"fill: none;\"></line><text x=\"663\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">Validate format and duplicate checks</text><path d=\"M 663,227 C 723,217 723,257 663,247\" class=\"messageLine0\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"fill: none;\"></path><text x=\"663\" y=\"272\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">Create batch record and archive original</text><path d=\"M 663,311 C 723,301 723,341 663,331\" class=\"messageLine0\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"fill: none;\"></path><text x=\"796\" y=\"403\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">Submit individual payment</text><line x1=\"663\" y1=\"442\" x2=\"928\" y2=\"442\" class=\"messageLine0\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"fill: none;\"></line><text x=\"799\" y=\"457\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">Status or result</text><line x1=\"931\" y1=\"496\" x2=\"666\" y2=\"496\" class=\"messageLine1\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"501\" y=\"521\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">Write pain.002 output artifact</text><line x1=\"661\" y1=\"560\" x2=\"340\" y2=\"560\" class=\"messageLine0\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"fill: none;\"></line><text x=\"501\" y=\"575\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">Write daily camt.053 reconciliation</text><line x1=\"661\" y1=\"614\" x2=\"340\" y2=\"614\" class=\"messageLine0\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"fill: none;\"></line><text x=\"501\" y=\"629\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-size: 16px; font-weight: 400;\">Move final artifacts to /output</text><line x1=\"661\" y1=\"668\" x2=\"340\" y2=\"668\" class=\"messageLine0\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#arrowhead)\" style=\"fill: none;\"></line></svg></div>"},"children":["sequenceDiagram\n    participant customer as Customer\n    participant bcbSftp as BCB_SFTP\n    participant bulkEngine as Bulk_Payments_Engine\n    participant cbalT24 as CBAL_T24\n\n    customer->>bcbSftp: Upload pain.001 to /input\n    bcbSftp->>bulkEngine: New file detected\n    bulkEngine->>bulkEngine: Validate format and duplicate checks\n    bulkEngine->>bulkEngine: Create batch record and archive original\n    loop Per payment instruction\n      bulkEngine->>cbalT24: Submit individual payment\n      cbalT24-->>bulkEngine: Status or result\n    end\n    bulkEngine->>bcbSftp: Write pain.002 output artifact\n    bulkEngine->>bcbSftp: Write daily camt.053 reconciliation\n    bulkEngine->>bcbSftp: Move final artifacts to /output\n"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"2-payment-rail-support","__idx":2},"children":["2. Payment Rail Support"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The current Bulk Payments scope supports:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["SWIFT payments, using ISO 20022 ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.001"]},"."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Local ACH (Automated Clearing House) payment files."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"3-sftp-connectivity-uat","__idx":3},"children":["3. SFTP Connectivity (UAT)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Use the following connection details:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Host:"]}," ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["stbcbpaymentstest.blob.core.windows.net"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Port:"]}," ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["22"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Username:"]}," Provisioned per client (for example: ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["stbcbpaymentstest.<client-id>"]},")"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Authentication:"]}," Client-specific SSH private key"]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"example-openssh-cli","__idx":4},"children":["Example (OpenSSH CLI)"]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"bash","header":{"controls":{"copy":{}}},"source":"sftp -i /path/to/private-key <provisioned-username>@stbcbpaymentstest.blob.core.windows.net\n","lang":"bash"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"4-connect-using-your-preferred-tool","__idx":5},"children":["4. Connect Using Your Preferred Tool"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can connect using:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Any SFTP desktop client"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Command-line SFTP tooling"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Treasury or payment platforms with SFTP file-drop capability"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Managed file transfer (MFT) solutions"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Use this connection profile:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Protocol:"]}," ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["SFTP"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Host:"]}," ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["stbcbpaymentstest.blob.core.windows.net"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Port:"]}," ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["22"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Username:"]}," ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["<provisioned-username>"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Authentication:"]}," Provisioned SSH private key"]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"key-format-notes","__idx":6},"children":["Key format notes"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["OpenSSH private keys are commonly used."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Some tools may require key conversion into a tool-specific format."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Save the connection profile for repeat batch submissions."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"5-directory-structure","__idx":7},"children":["5. Directory Structure"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Each client receives a dedicated SFTP directory with the following folders:"]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Folder"},"children":["Folder"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Purpose"},"children":["Purpose"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/input"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Client drops ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.001"]}," files here."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/output"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Final batch artifacts are placed here once processing completes (successful or not). ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.002"]}," and end-of-day ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["camt.053"]}," outputs are delivered here."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/archive"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Original submitted files are archived after ingestion."]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"6-processing-lifecycle","__idx":8},"children":["6. Processing Lifecycle"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.001"]}," file is uploaded to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/input"]},", the platform:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Detects the new file."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Validates file format and performs duplicate detection."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Creates a batch record."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Archives the original file."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Processes each payment instruction independently through existing payment controls."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Publishes completion artifacts to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/output"]},"."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Important behavior:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Batch processing is ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["non-atomic"]},"."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Individual payments can succeed or fail independently."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["External client flow is ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/input"]}," to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/output"]}]},"."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Output handling is ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["batch-oriented"]},"; individual transaction completion files are written per batch into a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.002"]}," file."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["End-of-day reconciliation file ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["camt053-YYYY-MM-DD.xml"]}," is delivered to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/output"]},"."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"7-status-and-reconciliation","__idx":9},"children":["7. Status and Reconciliation"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"illustrative-batch-statuses","__idx":10},"children":["Illustrative batch statuses"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["RECEIVED"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["VALIDATED"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["IN_PROGRESS"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["SUBMITTED"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["COMPLETED"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PARTIALLY_FAILED"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["FAILED"]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"result-delivery-channels","__idx":11},"children":["Result delivery channels"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["SFTP output files"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["API status polling endpoint"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Optional webhook notifications"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["End-of-day reconciliation file (",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["camt053-YYYY-MM-DD.xml"]},") in ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/output"]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"8-output-and-archive-artifacts","__idx":12},"children":["8. Output and Archive Artifacts"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["These examples define typical output and archive patterns."]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Folder"},"children":["Folder"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Example filename"},"children":["Example filename"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Purpose"},"children":["Purpose"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/output"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PAYMENT-BATCH-B-001_pain002.xml"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Batch and transaction-level status summary file in ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.002"]}," XML format."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/output"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["{Tenant}-{Id}-YYYYMMDD_camt053.xml"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["End-of-day account and reporting file."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/archive"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.001.001.03.bulk.case-b-round-numbers.xml"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Original uploaded input file retained for traceability."]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"9-status-definitions-and-client-actions","__idx":13},"children":["9. Status Definitions and Client Actions"]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Batch status"},"children":["Batch status"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"What it means"},"children":["What it means"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Client action"},"children":["Client action"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["RECEIVED"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["File has been accepted for intake."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Wait for validation."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["VALIDATED"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["File structure and core checks passed."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Wait for processing."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["IN_PROGRESS"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Payments are being processed."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Monitor status and output; no action needed."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["SUBMITTED"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Instructions submitted to downstream systems."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Continue monitoring until terminal status."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["COMPLETED"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Batch finished with no known failures."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Reconcile totals and archive your local copy."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PARTIALLY_FAILED"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Some instructions succeeded and some failed."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Download summary and reconciliation outputs, correct failed items, and resubmit as needed."]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["FAILED"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Batch failed validation or processing."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Review error details, correct the file, and resubmit with a new batch or message reference."]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"10-sample-files-happy-path","__idx":14},"children":["10. Sample Files (Happy Path)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The following sample files are based on the same ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["pain.001.001.03"]}," bulk structure and include different amount distributions."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For each file:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["NbOfTxs"]}," = ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["10"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["CtrlSum"]}," is set to the exact sum of all ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["InstdAmt"]}," values."]}]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Test case"},"children":["Test case"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"CtrlSum (USD)"},"children":["CtrlSum (USD)"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Download"},"children":["Download"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Case A - low values"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["50.34"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.case-a-low-value.xml"},"children":["pain.001.001.03.bulk.case-a-low-value.xml"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Case B - round numbers"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["550.00"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.case-b-round-numbers.xml"},"children":["pain.001.001.03.bulk.case-b-round-numbers.xml"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Case C - mixed values"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["605.04"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.case-c-mixed-values.xml"},"children":["pain.001.001.03.bulk.case-c-mixed-values.xml"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Case D - high values"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["51234.51"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.case-d-high-value.xml"},"children":["pain.001.001.03.bulk.case-d-high-value.xml"]}]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"11-validation-files-failure-cases","__idx":15},"children":["11. Validation Files (Failure Cases)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["These files are intentionally designed to fail specific controls."]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Failure case"},"children":["Failure case"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Expected behavior"},"children":["Expected behavior"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Download"},"children":["Download"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Duplicate ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["MsgId"]}," (first submission)"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["First submission should process normally."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.fail-duplicate-msgid-first.xml"},"children":["pain.001.001.03.bulk.fail-duplicate-msgid-first.xml"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Duplicate ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["MsgId"]}," (repeat submission)"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Second submission should be flagged as duplicate."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.fail-duplicate-msgid-second.xml"},"children":["pain.001.001.03.bulk.fail-duplicate-msgid-second.xml"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Invalid ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["CtrlSum"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Validation should fail due to amount total mismatch."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.fail-invalid-ctrlsum.xml"},"children":["pain.001.001.03.bulk.fail-invalid-ctrlsum.xml"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Invalid ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["NbOfTxs"]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Validation should fail due to transaction count mismatch."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.fail-invalid-nboftxs.xml"},"children":["pain.001.001.03.bulk.fail-invalid-nboftxs.xml"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Invalid execution date format"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Validation should fail due to non-ISO date format."]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/sftp-test-files/pain.001.001.03.bulk.fail-invalid-date-format.xml"},"children":["pain.001.001.03.bulk.fail-invalid-date-format.xml"]}]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"12-security-and-controls","__idx":16},"children":["12. Security and Controls"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Client-isolated SFTP directories"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Secure file handling and storage"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["No cross-client data visibility"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["End-to-end auditability of batch lifecycle and payment transitions"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Observability through operational metrics and dashboards"]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"13-support","__idx":17},"children":["13. Support"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For onboarding and integration support, contact:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Email:"]}," ",{"$$mdtype":"Tag","name":"a","attributes":{"href":"mailto:api@bcb.bm"},"children":["api@bcb.bm"]}]}]}]},"headings":[{"value":"Bulk Payments via SFTP","id":"bulk-payments-via-sftp","depth":1},{"value":"1. Overview","id":"1-overview","depth":2},{"value":"2. Payment Rail Support","id":"2-payment-rail-support","depth":2},{"value":"3. SFTP Connectivity (UAT)","id":"3-sftp-connectivity-uat","depth":2},{"value":"Example (OpenSSH CLI)","id":"example-openssh-cli","depth":3},{"value":"4. Connect Using Your Preferred Tool","id":"4-connect-using-your-preferred-tool","depth":2},{"value":"Key format notes","id":"key-format-notes","depth":3},{"value":"5. Directory Structure","id":"5-directory-structure","depth":2},{"value":"6. Processing Lifecycle","id":"6-processing-lifecycle","depth":2},{"value":"7. Status and Reconciliation","id":"7-status-and-reconciliation","depth":2},{"value":"Illustrative batch statuses","id":"illustrative-batch-statuses","depth":3},{"value":"Result delivery channels","id":"result-delivery-channels","depth":3},{"value":"8. Output and Archive Artifacts","id":"8-output-and-archive-artifacts","depth":2},{"value":"9. Status Definitions and Client Actions","id":"9-status-definitions-and-client-actions","depth":2},{"value":"10. Sample Files (Happy Path)","id":"10-sample-files-happy-path","depth":2},{"value":"11. Validation Files (Failure Cases)","id":"11-validation-files-failure-cases","depth":2},{"value":"12. Security and Controls","id":"12-security-and-controls","depth":2},{"value":"13. Support","id":"13-support","depth":2}],"frontmatter":{"seo":{"title":"Bulk Payments via SFTP"}},"lastModified":"2026-04-23T11:55:14.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/guides/bulk-payments-sftp","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}