Feature: improved UX for open wallet PayIDs
The PayID Checkout app now displays a successful confirmation page for open wallet PayIDs where the customer can pay any amount to top up their account
1-click Checkout app
Features: When users are redirected to the merchant website after successful payment, a loading animation is displayed to let users know something is happening
When users complete a payment (using payment agreement/initiation), the 1-click Checkout app will have a 4th green tick line item to indicate redirection. However, if a payment is completed via PayID, then we do not currently have an animation in place to indicate this to users
Features: Recurring agreements can now be created for 1-click Checkout customers
Azupay merchants offering 1-click Checkout to their customers, can offer recurring agreements so that their customers don't need a new agreement created for them each time they want to pay
Core platforms
Feature: When users are redirected to the merchant website after successful payment, a loading animation is displayed to let users know something is happening
When users complete a payment (using payment agreement/initiation), the 1-click App will have a 4th green tick line item to indicate redirection. However, if a payment is completed via PayID, then we do not currently have an animation in place to indicate this to users
Feature: Automatic partner notification when sub-merchant is created via Clients API
Verification of sub-merchant status changing to active which is provided automatically to the parent partner when an sub-merchant account becomes active will reduce the manual work that Azupay support desk has to complete in order to provide such updates in a timely manner.
Feature: Clients can now receive payer data information for PayTo payments via webhook and in the daily transaction report
Providing additional payer data in webhooks and in the daily reconciliation report in order to uniquely identify a payer will satisfy regulatory compliance requirements for our partner banks clients.
Feature: multipayments in PayID Checkout app handled
The PayID Checkout app now handles PayIDs setup to handle multipayments for a better customer experience. A message will be displayed to let the user know they've paid, but just a partial amount not the full amount.
Feature: Simple PayID names used as the PayID description for payment requests
Clients using the PayID Checkout app can opt in to use the name of the client for the PayID description when creating a payment request (instead of creating a more detailed payment request description of: client name, amount, and short description)
Feature: 1-click Checkout app redirect URL
The full version of the 1-click Checkout App now redirects client’s end customers to the cancel URL specified after any payment is cancelled
Core platform
Feature: Oauth2 available as a secure authorization protocol
Azupay now offers Oauth2 as a means of granting access to a set of resources and is common security measure for enterprise merchants to protect their API keys and calls
Feature summary: cancelled status for end-dated PayTo agreements
Clients can now expect that end dated agreements will automatically go into CANCELLED status, when the specified end date/time is reached
Features: clients will now receive a unique failure reason code when a refund fails
When an client performs an invalid refund request, Azupay will now then them a unique ‘failure code’ in the error response to their API call
Features: Reason codes provided when payment agreements are cancelled
When a payment agreement is cancelled, clients will now will receive a reason code explaining why the payment agreement was cancelled by the end customer (payer) or payer financial institution
Azupay funds settlement improvement for clients: excess funds over a client's maximum float balance will now be swept to the client's settlement account the next day instead of 48 hours later.
This enhancement ensures that reconciliation of clients’ financial transactions remain seamless and optimized, aligning with business needs. It eliminates the current 48-hour wait period, providing clients with more immediate access to funds.
Azupay dashboard
Multi-parent hierarchy control on the Azupay dashboard: this change will allow sub-merchants to be controlled by more than one partner parent in the Azupay Dashboard.
Sub-merchants can now be controlled with impersonation views in the Azupay dashboard governed by more than parent partner and also allowing these partner parents to have different control views of their children sub-merchants as necessary. It allows for more complex parent controls over numerous sub-merchants under supervision in the Azupay dashboard.
Inclusion of client creditor account details in PayTo payment agreements: recent analysis has discovered that payer banks are analysing domain name details on creditor accounts in PayTo Agreements as a risk signal when deciding whether to allow approval for that agreement.
As such, Azupay have created PayID(s) against our client accounts that we can use to address the settlement account for PayTo Agreements of our clients. Then payer banks can see the PayID domain for the client.
Azupay dashboard
Configurable search for payment requests: clients can now configure the search results displayed when using transaction search on the client dashboard so that they can easily find the payment request they are looking for.
Additionally the merchant can export configured search results displayed to CSV file with their preferences saved
Accepting payments to BSB/account numbers: clients can now create payment requests and receive payments from their customers made to a BSB and Account Number so that the customer has the flexibility to pay either via a PayID or a BSB/Account Number.
This feature is not enabled for all clients by default, and can be switched on by our TechOps team through a request via service desk.
A unique combination of BSB and Account Number will be generated for each payment request.
A payment to a BSB/account number will credit the payment to the corresponding payment request similar to how a payment is credited for a payment request paid to a PayID.
This feature is not available in the PayID Checkout app but is available only via API call.
Azupay dashboard
Customisation to Daily transaction report format: clients now have the option of choosing between comma delimited and pipe delimited CSV files for their daily transaction reports.
Previously, the report was available in just the pipe delimited CSV file. This feature is available via the Client Config and by default for all new clients, the file will be comma delimited.
If a client chooses a comma delimited CSV file for their daily transaction report, it will affect the changes to all channels i.e client dashboard, API calls and SFTP file transfer.
For partners with sub-merchants, their newly created sub-merchants will inherit the same report format from the parent.
Uplift to Payment request search: clients can now search for Payment request transactions using the ‘Client branch’ as an input field.
Select user role from dropdown at time of adding new users: when adding new users for your organisation to the Azupay dashboard, clients can now select the appropriate role at the time of set-up, eliminating the need for manual role changes after the user has been added - reducing operational risk of adding a user with the incorrect role
Core platform
New ‘Ultimate payee’ field: we have introduced a new ‘Ultimate payee’ field in the Payment Request API to get insights on which sub-merchant of a partner has created a payment request and received an incoming payment. Some clients that are mandated by our Risk and Compliance team will need to include their sub-merchant in this new field
Configurable webhooks: new added functionality to configure the retry rate of webhooks over a 24-hour period.
PayID Checkout app
Merchants can now set up custom messaging to be displayed on the main landing page of the PayID Checkout app by raising a help desk ticket specifying the message to be displayed on the screen to your end users
Introducing a new 'Tech admin' user role: This newly created user role can perform all actions of a full Admin user except this user role cannot execute finance actions like payment refunds and balance management sweep of funds. The 'Tech admin' role can also add users to the dashboard but are limited to only adding 'Tech admin' and 'Finance operator' roles.
Improved transaction searching: clients can now search for payment transactions within a specific time range in conjunction with a specified PayID. We have also improved how the results are sorted and displayed in the dashboard to make it easier for clients who may want to view the most recent transactions first.
Core platform
Blacklisting of accounts: Azupay clients can now request us to blacklist bank accounts, and in doing so prevent incoming payments from these specified accounts. As a client, you can provide a list of BSB/account numbers from which we will block incoming payments.
This feature ensures that our clients can easily manage and restrict payments from undesirable sources.
