Outward Payment Settings

This module allows administrators to configure key parameters and rules for outward payment processing in the Lnder Banking system. It controls limits, validations, notification methods, and ad-hoc payment permissions.

Outward Payment Settings Screenshot

Basic Defaults

Set Limit for Non PAN Party: Enable to enforce transfer limits for beneficiaries without PAN information.
Max Transferable Against Non PAN Party: Specify the maximum amount transferable to beneficiaries lacking PAN details.
Holiday List: Link to the holiday calendar to exclude non-working days from payment scheduling.
Transaction Type: Choose the mode of transaction, e.g., IMPS or NEFT.
Enable Bank Account Verification: Enable to validate bank account numbers before processing payments.

Supplier Payout Validation

Set Limit for PO Advance: Enable to enforce limits on purchase order (PO) advance payments.
Max Transferable Against PO: Define the maximum amount allowed against purchase order advances.

OTP Notification Settings

Controls settings related to OTP (One-Time Password) based authentication for transactions.

Enable OTP Based Transaction: Activate OTP authentication for transaction approval.
Send OTP via WhatsApp: Enable OTP delivery through WhatsApp (WhatsApp number must be configured).
Send OTP via Mail: Enable OTP delivery through email (Sender Email and Internal Recipient Email must be configured).
Sender Email: Email account that sends OTP messages.
Internal Email To: Email addresses to receive internal transaction notifications and OTPs.
WhatsApp Number: Phone number used for sending OTPs via WhatsApp.

Ad-Hoc Payment Settings

Outward Payment Settings Screenshot

Enable Ad-Hoc Payments: Toggle to allow or disallow ad-hoc payments.
User Ad-Hoc Limit: Table for setting daily and maximum overall ad-hoc payment limits per user to control spending and risk.

Validation and Enforcement

When enabling OTP-based transaction authentication, the system requires at least one delivery method (WhatsApp or Email) to be active. Proper configuration of sender email and recipient lists for email OTPs and the WhatsApp number for WhatsApp OTPs is mandatory. The module validates email formats and throws errors if configurations are incomplete or invalid, ensuring secure and reliable payment processing.

User Ad-Hoc Limit Lookup

The system fetches daily and overall ad-hoc payment limits defined per user to enforce spending controls during payment initiation.