• Key differences relating to permissions


    Confidential imports

    Confidential imports allow you to restrict who can view imported payments

    On Commercial Banking Online, primary administrators can restrict access to confidential imported payments

    Corporate Online

    Confidential imports

    Confidential imports is a function to restrict who can view imported payments. For a user to set a payment as confidential when imported, they must have permission to set an imported payment as confidential.

    Only users with this permission will be able to view or edit confidential imported payments. Primary administrators are able to grant this permission to users.

    Payment template permissions

    Payment template permissions will work in a slightly different way on Commercial Banking Online

    Payment advices and statements permissions

    How permissions relating to payment advices will work on Commercial Banking Online

    Corporate Online

    As there are no payment advices on Corporate Online, your payment advices will build up from the day you move to Commercial Banking Online. Payment advices will be available for the last 90 days.

    Payment approval permissions

    Some aspects of making and approving payments will change on Commercial Banking Online

    Corporate Online

    The way payments are approved will be different on Commercial Banking Online.

    Your existing payment permissions will be moved over to Commercial Banking Online. You may want to review the names or descriptions we have used to make sure they are memorable and suitable for your organisation.

    Roles

    Users will be assigned roles on Commercial Banking Online. Users will maintain the same permissions on Commercial Banking Online as on Corporate Online, unless otherwise specified on this website. Any users with the same permissions will be assigned the same role.

    Payment permissions

    On Corporate Online, users may have different payment permissions for different accounts. The diagram below shows some examples of this.

    On Corporate Online users can have different permissions for each payment type

    Figure 1. On Corporate Online users can have different permissions for each payment type

    The permissions a user has for one payment type e.g. Bacs can be different from the permissions they have for another payment type e.g. CHAPS.

    On Commercial Banking Online, permissions apply to all payment types and can’t be different for individual payment types.

    Permissions on Commercial Banking Online are also based by role, rather than bespoke for every user. Based on the example in the diagram above, each user would need to have a role assigned to them for each payment type. The diagram below shows this.

    Figure 2. On Commercial Banking Online each role gives users assigned to that role permissions for one payment type. Multiple roles may be needed to replicate a users payment permissions.

    Each user that is moved over to Commercial Banking Online will have roles assigned to them to ensure their existing payment permissions are maintained on Commercial Banking Online. Where we identify users that have a payment permission which cannot be used, as no account is linked to the payment permission, then this permission will not be migrated.

    Question:

    Need help find out about roles on Commercial Banking Online.

    Payment approval

    Commercial Banking Online offers the ability to fixing the order a payment is approved by different approvers.

    Approval types

    Each user on Corporate Online is assigned to an approver type, which determines their payment authorisation permissions. Approval types are not visible to Corporate Online users and are managed by us.

    When you move to Commercial Banking Online, names for each approver types will be created and will describe the approver type e.g. "Approver group one”.

    These names can be changed by you once you have moved to Commercial Banking Online.

    Creating payments using beneficiaries

    On Commercial Banking Online, the ability to restrict payments to beneficiaries in the library, can be set at a role level. Any user with this role can create payments only to beneficiaries in the library. Other users who do not have the restriction on the role can enter freeform beneficiaries while making payments.

    If you have users restricted to creating payments using beneficiaries from the beneficiary library on Corporate Online, then they will need to be given appropriate roles in Commercial Banking Online.

    Please review your user’s permissions to make sure you have at least one user who can create payments for new beneficiaries as well as those already in the beneficiary library.

    User groups

    User groups are known as ‘approver types’ on Commercial Banking Online. There are a maximum of ten approver types.

    If your organisation has more than ten user groups, please update your user groups to make sure there are no more than ten.

    If you do have more than ten user groups at the point you move to Commercial Banking Online, the ten most recently created user groups will be moved over.

    User group permissions

    On Corporate Online, two different users can be in different groups and have the same access to payment types and payment limits. However they are unable to access each other’s payments.

    On Commercial Banking Online, there is no way to differentiate two users with the same access to payment types and payment limits so they will be able to view and/or approve the same sets of payments.

    Approving a payment you have created

    Commercial Banking Online doesn’t differentiate between a payment creator and payment approver.

    This means a user who creates a payment is not automatically prevented from approving the same payment provided the payment falls within their permitted approval limit.

    Commercial Banking Online has a function that enables approval to be applied after the creation and submission of a payment if the payment is within the limit the user can authorise.

    Payment approvers

    Commercial Banking Online allows a maximum of six approvers for a payment. If you have any payments requiring more than six approvers, this will not be moved over to Commercial Banking Online. Please reduce the number of approvers for a payment to a maximum of six.

    User limits

    When you amend a user’s approval limit on Commercial Banking Online, you’ll need to change both the user limit and the panel limit.

    Panel amendments

    On Corporate Online, any changes to approval panels currently need dual administration approval irrespective of whether you have dual administration set-up. If you only have one administrator, the second approval is done by us.

    Changes to approval panels on Commercial Banking Online can have single approval.

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    For your security, and to help protect against fraud, we recommend two approvers are required

    Dual authority

    The Corporate Online feature ‘dual authority’ ensures a minimum of two different approvals are required for a payment.

    To achieve the same ‘dual authority’ feature on Commercial Banking Online, you must set up an approval panel.

    Commercial Banking Online is set up so a payment will always require another user to approve it. However it is possible for the user that created a payment to also approve that payment if their permissions allow – read more.

    You will move over with your existing approval permissions.

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    For your security and to help protect against fraud we recommend a minimum of two approvers are required for payments

    Question:

    Need help find out about panels limits on Commercial Banking Online.  

Lloyds Bank plc. Registered office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Authorisation can be checked on the Financial Services Register at www.fca.org.uk under the Firm Registration Number 119278.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all Business customers will be covered.