Topic Overview

Streamline your business payouts with Bulk Payments on Wio Business Web. Pay multiple suppliers, settle recurring bills, or process employee reimbursements all at once in local AED transfers.

What You Can Do with Bulk Payments

• Save time: Settle multiple invoices, utility bills, or vendor payouts in a single batch.

• Flexible entry: Create payments on screen using inline entry or upload an Excel/CSV file.

• Smart scheduling: Send payments immediately or schedule them for a future date and time.

• Multi-user approval: Support maker–checker approval workflows for joint accounts and team members.

• Full control & visibility: Track individual transaction statuses, download single or bundled receipts, and retry failed transfers easily.

Limits & Fees

Transfer Limits

• Standard Daily Outward Limit: AED 750,000 per day (for single transactions and total daily sum).

• Adjustable Limit: You can increase your daily transfer limit directly within the Wio Business app up to AED 5,000,000.

Beneficiary Addition Limits

• Daily Limit: Up to 30 beneficiaries per day (or 60 combined local/international).

• Monthly Limit: Up to 100 beneficiaries per month.

• File Capacity: Up to 1,000 beneficiaries per upload file.

Pricing Structure

Beneficiary Security & Cooling Periods

To safeguard your account from unauthorized transactions, new beneficiaries enter a temporary cooling period before payments can be made:

• 12-Hour Cooling Period: If Enhanced Facial Recognition (EFR) is completed.

• 24-Hour Cooling Period: If EFR is not completed or if added by a Preparer role.

Note: Only beneficiaries with Added / Ready status can be paid. Beneficiaries in In cooldown or Rejected status cannot be selected for payment until the cooling period clears.

How to Add Multiple Beneficiaries at Once

Instead of adding payees one by one, upload your beneficiary list using our standard Excel/CSV template.

Step-by-Step Instructions:

1. Sign in to Wio Business Web.

2. Go to the Payments Dashboard and navigate to the Payees section.

3. Click Add Multiple Payees.

4. Click Download Template to get the official Excel file (BULK_BENEFICIARY_ADDITION_TEMPLATE_LATEST.XLSX).

5. Open the template and switch to the Bulk Bene Addition sheet.

6. Enter your payees' information according to the format rules:

• Beneficiary Name* (Mandatory): Letters, spaces, hyphens, apostrophes, periods, commas, parentheses, and ampersands (Max 100 characters).

• IBAN* (Mandatory): 15–34 characters without spaces. UAE format: Starts with AE followed by 21 digits (23 characters total).

• Bank Name (Optional): Select from the dropdown list.

• Routing Code (Optional): SWIFT BIC code matching the selected bank.

• Nickname (Optional): Custom label for internal tracking.

• Email (Optional): Valid email address (Max 120 characters).

7. Save the file and upload it back via drag-and-drop or Browse.

8. Review the file validation results:

• Valid beneficiaries: Ready to be saved.

• Invalid rows: Highlighted with specific error descriptions. Correct the rows in your spreadsheet and re-upload.

• Duplicates: Payees already existing in your account.

9. Click Save Valid Rows to complete the upload. The security cooling period will begin automatically.

How to Make a Bulk Payment

Option A: Create Payments Inline on Screen

1. Sign in to Wio Business Web.

2. Go to the Payments Dashboard and select Bulk Payments from the left menu.

3. Click New Local Bulk Payment (or New Bulk Payment).

4. Select your AED debit account.

5. Choose your payees:

• Select existing payees with status Added or click Add payee to introduce a new one.

• Use Duplicate to repeat a row for multiple payments to the same payee, or Delete row to remove unwanted rows.

6. For each row, select the Payment Purpose* and enter the Amount*. Add an optional note/reference if needed.

7. Check the summary table (total payment count, total debit amount, available balance, and applicable fees).

8. Click Save Draft to finish later, or click Review and Pay to confirm and proceed to authentication.

Option B: Upload a Payment File (Excel/CSV)

1. In the Bulk Payments tab, click New Bulk Payment and select Upload a file.

2. Click Download Template to download BULK_PAYMENT_UPLOAD_TEMPLATE_LATEST.XLSX.

3. Open the Bulk Payment Upload sheet and fill in the details for up to 1,000 payees (IBAN, Beneficiary Name, Payment Purpose, Notes, and Amount).

4. Save and upload your file.

5. Review the validation screen:

• Valid Payments: Proceed directly to review.

• Invalid Payments: Correct any invalid entries in your file and re-upload.

• New Payees: Click Add Payees to register new payees and start their cooling period.

• Duplicate Payments: Flagged for review to prevent accidental double payments.

6. Enter an optional payment nickname (up to 24 characters).

7. Choose your payment method: Review & Pay, Save as Draft, or Schedule.

8. Authenticate using your registered OTP verification to submit.

How to Schedule Bulk Payments

1. On the payment details screen, click the calendar icon (or select Schedule).

2. Choose a quick-select option (Tomorrow, Next Monday, End of month) or pick a specific date and time using the date picker and time selector.

3. Click SCHEDULE PAYMENT.

4. Review the details on the confirmation screen and click CONFIRM AND PAY.

Managing Scheduled Payments:

• Go to the Payments > Bulk payments tab.

• Locate the payment marked with the Scheduled status tag.

• Tap the three-dot menu next to the payment:

• Edit Schedule: Modify the scheduled execution date/time and select Update Schedule.

• Cancel Payment: Cancel the scheduled run.

Multi-User Approvals (Maker–Checker)

If your organization has maker–checker approval workflows enabled:

• Makers (Creators): Can build, upload, and submit bulk payment files, as well as track their lifecycle.

• Checkers (Approvers): Review submitted batches via the Approver Panel across the Overview, Transactions, Compliance, Audit Trail, and Files tabs. Approvers can select Approve or Reject (with required remarks).

• If a batch is rejected: The maker can click Edit as New Payment to clone all beneficiary rows into a new editable draft, adjust the details, and re-submit.

Tracking, Repeating, Retrying & Downloading Receipts

Tracking Payment Status

Track your files from the Bulk Payments Dashboard:

• Draft / IN_DRAFT: Saved but not submitted.

• Pending Approval / PENDING_APPROVAL: Awaiting checker authorization.

• Scheduled / SCHEDULED: Queued for future execution.

• Processing / IN_PROGRESS: Transactions currently executing.

• Completed / COMPLETED: All transactions completed successfully.

• Partial Success / X SUCCESSFUL / Y FAILED: Some transactions succeeded and others failed.

• Failed / FAILED: All transactions failed.

• Cancelled / CANCELLED: The scheduled run was cancelled.

• Rejected / REJECTED: Rejected by the checker.

How to Repeat a Completed Payment

1. Open a Completed payment from the Bulk Payments tab.

2. Tap Repeat Payment from the options menu (three dots).

3. The system clones all rows into a new draft with a fresh reference number.

4. Edit amounts, notes, or remove payees if desired.

5. Click Review & Pay, Save as Draft, or Schedule, and confirm with OTP.

How to Retry Failed Payments

1. Open a batch with Failed or Partial Success status.

2. Tap Retry Failed from the options menu.

3. The system loads only the unsuccessful transactions.

4. Correct any amounts or remove payees, then re-submit and confirm with OTP.

How to Download Receipts and Reports

• Individual Transaction Receipt: Click on a bulk file to open the side panel, select the transaction, and click Download Receipt.

• Bundled Receipts (ZIP): Open a Completed or Partially Successful batch and tap Download Receipts to download all successful receipts in a single ZIP file.

• Payment Report (PDF): Open the completed batch and tap Download Payment Report to generate a timestamped summary file (Bulk_Payment_Report_YYYY-MM-DD_HH-MM.pdf).

Frequently Asked Questions (FAQs)

1. What payment types are supported?

Bulk Payments currently supports local AED-to-AED transfers within the UAE.

2. Can I make payments to new beneficiaries immediately?

No. All newly added beneficiaries undergo a security cooling period (12 hours with Enhanced Facial Recognition or 24 hours without) before they can receive payments.

3. What happens if some payments in a batch fail?

Transactions in a bulk batch are processed independently. If one payment fails due to an invalid IBAN or routing error, valid payments will still go through. You can retry only the failed rows using Retry Failed.

4. Can I edit a bulk payment while it is pending approval?

No. Once submitted for approval, the file cannot be edited. If rejected by an approver, use Edit as New Payment to generate an editable draft.

5. How far in advance can I schedule a bulk payment?

You can schedule a bulk payment for a future date and time up to 90 days in advance (on UAE business days).