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Create a batch payment file

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This tutorial describes the steps involved in creating a batch payment file that's required to send batch payments using Ripple Payments Direct.

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With batch payments, you can get a quote for multiple payments and process them all at once, instead of requesting a quote for every single payment; hence, batch payments significantly reduce the time and effort required to send large volume payments. Batch payments also provide faster time to value for customers without an API integration.

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Follow these steps to create a batch payment file:

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    \n
  1. \nIn \nRipple Payments UI\n select the \nPayments\n tab.\n
    2. \n
  2. \nSelect \nCreate Payment\n > \nBatch\n.\n
    3. \n
  3. \nFollow the instructions in the \nHow it works\n section.\n
      \n
    1. \nDownload the batch payment \ntemplate file\n.\n
      2. \n
    2. \nEnter the \npayment details\n.\n
      3. \n
    3. \nUpload your file.\n
      4. \n
    \n
    4. \n
  4. \nTo check your file for data validation errors and (subsequently) \nsend the batch payment\n, select \nGet Quote\n.\n
    5. \n
  5. \nOnly if you see error messages in the Ripple Payments UI:\n
      \n
    1. \nIn your local file copy, correct all errors according to the error message(s) and save the file copy.\n
      \nSee the image below for example errors.\n
      2. \n
    2. \nIn the \nRipple Payments\n UI, select the \n\"trash\n (trash can) icon to delete the erroneous file.\n
      3. \n
    3. \nUpload the corrected version of the file.\n
      4. \n
    4. \nOnce again, select \nGet Quote\n to send the batch payment.\n
      5. \n
    \n

    \"Batch

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    6. \n
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Template file

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The template file for your batch payment is customized using payment details such as use case and currency.

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To create your customized batch payment template:

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    \n
  1. \nClick \nDownload Template\n, and create the template by selecting from the following fields:\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    Field nameDescription
    Use caseThe use case for the payment transaction.
    Payment currencyThe currency in which the originator will send the payment.
    Payout countryThe country of the payment beneficiaries.
    Payout currencyThe currency in which the beneficiaries will be paid out.
    Payout categoryThe payout category. Only Bank account is available.
    \n
    2. \n
  2. \nSelect \nDownload Template\n.\n
    3. \n
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Payment details

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Edit the template file to add payment details:

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    \n
  1. \nRename the downloaded file to a less generic name that helps you remember details of the batch payment.\n
    \n\nFor data validation purposes, you must save and upload the file in either \nxls\n or \nxlsx\n file format.\n
    2. \n
  2. \nOpen the renamed file.\n\n
    3. \n
  3. \nCreate one entry per row for each beneficiary you want to include in this batch payment (up to \n100\n per file).\n
    \n\nFor details on the fields you must fill out to create a payment beneficiary entry, hover over the field names. \n\n\n
    Tips to populate payment details:
      \n
    • \nMake sure to enter information for all beneficiaries (up to \n100\n per file) that can be paid out in the currency specific to that template. This way, you can avoid maintaining and storing multiple files for the same payout currency but different beneficiaries.\n
      • \n
    • \nIf you use an editing tool other than Microsoft Excel, make sure to remove any trailing blank columns as they may cause a file processing error.\n
      • \n
    • \nWhen you enter phone numbers with the digits separated by hyphens, you may have to enclose the number in \n'\n characters to prevent your editing tool from formatting the phone number as a formula.\n
      • \n
    \n
    4. \n
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Payment limits

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The payout currencies currently supported by Ripple Payments Direct have the following payment limits:

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
CurrencyCurrency CodeLimit
Australian DollarAUDUp to AUD 100,000 per transaction.

Compliance accumulated limit AUD 30,000 per day per beneficiary.
Brazilian RealBRLFor details on payment limitations for this currency, contact your Ripple liaison.
British PoundGBPTransactions up to GBP 1,000,000 use FPS.

Transactions exceeding GBP 1,000,000 use CHAPS.
Canadian DollarCADUp to CAD 100,000 per payment.
Chilean PesoCLPFor details on payment limitations for this currency, contact your Ripple liaison.
Chinese YuanCNYAt least CNY 120 per transaction.

If the purpose of the payment is salary, up to CNY 29,000 per transaction, or CNY 150,000 per month, or CNY 300,000 per year.
Colombian PesoCOPFor details on payment limitations for this currency, contact your Ripple liaison.
EuroEURTransactions up to EUR 100,000 use SEPA Instant.

Transaction exceeding EUR 100,000 use standard SEPA.
Ghanaian CediGHSFor details on payment limitations for this currency, contact your Ripple liaison.
Indonesian RupiahIDRUp to IDR 100,000,000 per transaction.

Compliance accumulated limit IDR 750,000,000 per day per beneficiary.
Mexican PesoMXNFor details on payment limitations for this currency, contact your Ripple liaison.
Nigerian NairaNGNFor details on payment limitations for this currency, contact your Ripple liaison.
Philippine PesoPHPFor details on payment limitations for this currency, contact your Ripple liaison.
Rwandan FrancRWFFor details on payment limitations for this currency, contact your Ripple liaison.
Singapore DollarSGNUp to SGD 1,000,000 per transaction.

Compliance accumulated limit SGD 65,000 per day per beneficiary.
South African RandZARFor details on payment limitations for this currency, contact your Ripple liaison.
South Korean WonKRWUp to KRW 6,000,000 per transaction for individual payouts.

Up to KRW 500,000,000 per transaction for business payouts.

Compliance accumulated limit KRW 65,000,000 per day per beneficiary.
Thai BahtTHBTransaction limits may vary based on the selected bank.

Compliance accumulated limit THB 1,750,000 per day per beneficiary.
Turkish LiraTRYUp to TRY 300,000 per transaction for individual payouts.

Up to TRY 2,000,000 per transaction for business payouts.
Ugandan ShillingUGXFor details on payment limitations for this currency, contact your Ripple liaison.
United States DollarUSDUsing USABA (RTP/FedNow/ACH):
  • RTP: up to USD 5,000,000 per transaction
  • FedNow: up to USD 500,000 per transaction
  • ACH: up to USD 1,000,000 per transaction

Using USWIRE (Fedwire):
  • up to USD 100,000,000 per transaction
Vietnamese DongVNDUp to VND 499,999,999 per transaction.

Compliance accumulated limit VND 2,400,000,000 per day per beneficiary.
Zambian KwachaZMWFor details on payment limitations for this currency, contact your Ripple liaison.
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