Creating the First Payment

When a connection to a bank is established and the payment scheme(s) are promoted to production, real transactions via the Atlar dashboard can be performed. The first step is to create small “penny tests” to ensure the scheme(s) and connection functions as intended.

When creating a penny test it is recommended to:

• Perform the test between your own accounts, and;
• With a small value amount.

For example, if creating a penny test for the SEPA Credit Transfer one could perform the test from a EUR account with Bank A to a EUR account with Bank B, with a value of 1EUR. The requirement is that Bank A is the connection which is being tested via Atlar.

How to create a payment (credit transfer)

1. Navigate to app.atlar.com
2. Either on the home page or on the payments page, click Create/Actionin the top right corner -> Credit transfer/Create
3. Depending on the scheme, fill in the appropriate information to perform a test or choose an already filled in payments template (see Payment Templates)
   1. Payment template: click Create from template
   2. Manual:
      1. Choose transfer type: internal (between two accounts available in the Atlar dashboard) or external (between one account available in the Atlar dashboard and one not available in the Atlar dashboard)
      2. Set the from and to account
         1. From: an account you have available in the Atlar platform
         2. To: choose between the dropdown menu (available accounts) or follow the next steps to create a new counterparty to send the payment to:
            1. Click Create new
            2. Fill in Legal name (and other optional information)
            3. Click Add account and fill in Market, Identifiers (IBAN, account number, giro number), and Routing (if not IBAN)
            4. Click Create
      3. Set the amount to low value, for example 1
      4. Set the currency to the correct one correlating with the scheme for the test, for example EUR
      5. Set the credit transfer type to the scheme being tested, for example SEPA Credit Transfer
      6. Set the reference, for example “penny test”
      7. Click Continue to review
      8. Review payment and click Create credit transfer if all informations is valid
4. Navigate to Approvals -> Credit Transfers
5. Select the payments you wish to approve (bulk select or individually select) and approve. Depending on the approval chains set up by your organization, the payment creator and the approver might be different users. If you are unable to approve the payment, reach out to your organization owner or your Delivery Manager.

Your approved payment(s) can be found under Payments -> Credit Transfers (if it's a credit transfer payment). Once the payment shows the status "Accepted", the payment has been accepted by the bank. Once the payment has been executed by the bank, the status of the payment will update to "Executed" and the payment scheme has been successfully tested. For more information about payment statuses, refer to the Payment Details document.