Setting up a Customer

  • Updated

Perform the following steps to set up a Customer to process payments with Open Banking:

  1. Within Q2 Console User Management, verify that the Open Banking Access feature rights have been enabled for the Customer in the Rights section in the Features tab on the Policy dashboard tab.

    open banking entitlement

    Tip

    At the time of transaction file submission, the Open Banking policy of the Customer is evaluated for allowed actions (including approvals), but the Group policy is evaluated to determine aggregate transaction limits.

  2. Within Q2 Console User Management, find the Customer that you want to set up by searching on the Customer tab.

  3. Select the Policy dashboard tab, and select the Open Banking tab. This is where you can set allowed transactions, accounts, and approval limits for the Customer.

    Open Banking policy in console

  4. Manage the Open Banking Policy for the Customer by either copying in the entitlements from an existing Customer or setting entitlements uniquely within the Open Banking Policy. Refer to Setting up Customers for specific approval scenarios for details on how to configure the Customer's settings in Q2 Console to enable the desired behavior for this transaction type.

  5. Contact the FI’s IT department to enable the Customer to access the FI’s hosted SFTP site and to create or allocate a folder within the SFTP site. (Q2’s site copies payment files from the FI’s site once every minute.)

    Note

    If you plan to submit transactions using both TXT and CSV file formats, you need to create a folder for each file format, as the mappings differ between each format.

  6. Open a case using the Q2 Customer Portal requesting that a specific Open Banking User and SFTP folder be set up. You will need to include the following information in the case:

    Note

    If you plan to submit transactions using both TXT and CSV file formats, you need to create a separate customer for each file format, as the mappings differ between each format.

    1. Customer ID

    2. Open Banking Customer’s name—an Open Banking user will be created using this value (Customer name) + "OpenBanking" as the last name.

      Note

      You can specify an alternate value for this, but it is not recommended.

    3. Notification email address(es)—the email(s) the Customer uses to receive alerts or notifications related to the processing of the submitted file. Notifications will be sent whenever a file is received, is submitted successfully, or has an error.

      FIs can also specify their own email address(es), including a group email distribution list.

      Note

      Emails configured for Direct Payables notifications contain processing alerts that are sent when Q2 can't submit the file into the Q2 system. If the file has an error resulting from the Wire or ACH Pass-Thru workflows, then transaction alerts are controlled at the User level.

    4. Information needed to set up access to Q2’s SFTP service:

      Note

      You only need to provide the following information the first time you set up SFTP access. It is not required for each additional customer.

      1. Name—FI's name

      2. The SFTP host information

      • Host name

      • Host username and password

      • Host key

      • User key

  7. Inform the Customer of File naming conventions.

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