Authorise multiple users to make bank transfers (Shared access)

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In this guide, you’ll learn how to authorise multiple users to make bank transfer payments using the shared access feature.

With shared access, you can set your limits and rules for bank transfers and authorise multiple users to make payments using bank transfer. This is particularly useful for teams or departments where more than one person needs to make bank transfers. Instead of creating a separate access for each user, shared access allows you to define a single set of rules and limits that will apply to all users you give access to.

If you’re looking to create a single authorisation instead, refer to this article.

Tip: If you want to restrict the bank authorisation to specific payees, you’ll need to make sure you’ve set up your list of verified payees. For more information on adding payees, refer to this article.

1. Log in to the web app as a Super admin.
2. From the left-side menu, select Configure > Bank transfer access.
   
3. Select the Shared tab.
   
4. Select Add bank access.
   
5. Enter a name and optional description for the Bank transfer access.
   Note: The name and description will be visible to the users that you authorise.
6. Select Next.
7. If you have multiple currencies activated on your account, select the currency that you want to use for this Bank transfer access from the dropdown.
   Note: The currency that you select will determine which wallets you can authorise as the funding source for this access. For example, if you select EUR, you’ll only be able to give access to EUR wallets.
8. Select the payment methods that can be used for bank transfers (this will depend on your selected currency).
   
9. Decide if you want to allow authorised users to Pay unlisted payees. If you check this box, they’ll be able to pay new payees that are not in your list of verified payees.
   
10. Set the spending limits for bank transfers.
    
    You can set:
    
    
    • Daily limit
    • Weekly limit
    • Monthly limit
    • Per bank transfer limit

    Tip: You can combine multiple limits for more flexibility. For example, you may choose a €200 daily limit, €1000 monthly limit and €100 per transfer limit.

11. Set the maximum number of bank transfers allowed within a given time period.
    
    You can choose from:
    
    
    • Daily limit
    • Weekly limit
    • Monthly limit

    Tip: You can combine multiple limits for more flexibility. For example, you may choose to limit the users to 1 bank transfer per day and a maximum of 10 per month.
    Note: With shared access, limits are shared across all users. For example, if you set a maximum of 10 bank transfers per week, each time any of the authorised users makes a transfer it will count towards the limit that you set.

12. Select the wallets that the users will be authorised to use as a funding source when making bank transfers. If you select multiple wallets, they’ll be able to choose which wallet to use when making a payment.
    
13. Decide who the authorised users will be allowed to pay with bank transfers.
    
    You can choose from:
    
    
    • All
      The authorised users will be able to pay any payee that you’ve added as a verified payee. They won’t be able to pay new payees unless you enabled the “pay unlisted payees” in step 9.
      
      
    • Customise payee access
      Set rules to control exactly who your authorised users will be able to pay.
      
      You can choose from:
      
      
      • Payee category
        Pay users from a specific payee category. When you add payees, you categorise them as suppliers, clients, employees, or my bank accounts. You can provide your authorised users access to only specific categories. For example, if you only want them to make payments to suppliers and clients, check the box next to these options and they’ll not be able to pay employees or company bank accounts.
        
        
      • Payee list
        Pay specific payees. You’ll be able to select from a list of verified payees. The authorised users will be able to pay with bank transfer to any user that you select here.

    Tip: These rules can be combined. For example, if you want to limit the authorised user to suppliers and clients but allow them to make bank transfers to specific employees, add both rules.

14. Select Next.
15. Choose who you want to give access to by checking the box next to their name. You’ll need to select at least 1 user to continue.
    
16. Select Next.
17. Review the details and select Confirm.
    Note: You’ll be asked to complete Strong Customer Authentication to confirm the Bank transfer access authorisation.
18. Each user will receive an email notifying them of their bank transfer access. They’ll be able to log in to the web app and start spending immediately.