How to Create a Payment

(Payments and Transfers)

~GCMS Plus Introduction Video Course~

October 2021

MUFG Bank, Ltd.

Transaction Banking Division

A member of MUFG, a global financial group

 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

About this Document

This is the accompanying script for GCMS Plus Introduction Video Course on How to Create a Payment
(Payments and Transfers) and the related FAQ. Using this script in conjunction with the corresponding video course
is recommended.

Note: This PDF is text-searchable and has bookmark-enabled to find related topics easily.

1
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Script
Slide 1 Hello. Welcome to the GCMS Plus Introduction Video
Course.
How to Create a Payment This document is the accompanying script of the video
(Payments and Transfers)
course. You may refer to this document alone or use it
~GCMS Plus Introduction Video Course~

together with the video provided separately.

In this course, we will explore the basic question: How to
Create a Payment, by using the Payments and Transfers
Ver 1.0

1
Last Updated in October 2021
function.

<Intended audience>
This course is for everyone who wants to know the
basics of starting to use the GCMS Plus related services.
It can be especially helpful for:
• New GCMS Plus user (each individual user who logs
in to and uses GCMS Plus services, hereinafter refer
to as “user”)
• User who wants to know the process to create a
payment

Slide 2 Table of Contents

<Table of Contents>
Slide Video This course is created for a wide range of users,
No. Timestamp

Section 1 How to Create a Payment (Payments and Transfers) Slide 3 00:10

including first-time users.
Section 2 How to Apply for Payment Instruction from Scratch Slide 7 00:55

Section 3 How to Apply for Payment Instruction from Scratch (Group) Slide 16 03:30
We will split it up into 5 sections. If you are already
Section 4 How to Apply for Payment Instruction by Copy Slide 25 05:15
familiar with some of the contents, feel free to jump to
Section 5 How to Apply for Payment Instruction by Upload Slide 29 06:15

the section you would like to learn.

If you are taking this course by watching the short video,
refer to the video timestamps for each section.
2

If you are taking this course by studying this

accompanying PDF, refer to the following page links.
• Section 1 How to Create a Payment (Payments and
Transfers)
• Section 2 How to apply for Payment Instruction from
Scratch
• Section 3 How to apply for Payment Instruction from
Scratch (Group)
• Section 4 How to apply for Payment Instruction by

2
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Copy
• Section 5 How to apply for Payment Instruction by
Upload

For users (appliers and approvers) below, please check

the related GCMS Plus Introduction Video Course on
How to Inquire and Approve Payment.
• Applier (user/applicant) who wants to know how to
make an inquiry (edit, withdraw etc.) of the created
payment instructions
• Approver (user who has approver privilege) who
wants to know how to approve payment instructions

Slide 3 First, in this section of the course, we will cover the

basics to use Payments and Transfers to initiate a
How to Create a Payment (Payments and Transfers) payment.
This course assumes customer (your company,
hereinafter refer to as “customer”) has a GCMS Plus
contract and knows how to log in to COMSUITE and
GCMS Plus, and has completed the basic settings
before you start to use GCMS Plus, including setting up
3

base currency, user privileges etc.

Please also refer to the related video courses.
• How to Start Using COMSUITE Services (COMSUITE
Introduction Video Course)
• How to Set Base Currency and Exchange Rate
(GCMS Plus Introduction Video Course)
• How to Set User Profile (GCMS Plus Introduction
Video Course)
• How to Set Approval Flow (GCMS Plus Introduction
Video Course)
• How to Set Beneficiary Master (Payments and
Transfers) (GCMS Plus Introduction Video Course)
• How to Inquire and Approve a Payment (Payments
and Transfers) (GCMS Plus Introduction Video
Course)

3
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 4 How to Create a Payment (Payments and Transfers) (1/3)

<Mega Menu>
This is the GCMS Plus Top Page. After logging into GCMS Plus, the first screen you will
Home Mega Menu
see is this GCMS Plus Top Page.
Click the Home button or
Mega Menu to access
service from any screen.
You can find all your available services on the
expandable Mega Menu. The Mega Menu consists of 3
categories, Transaction Services, Reports and
Administration.
The Mega Menu is easy to navigate and can be
4

accessed from whichever screen you are on. Simply

access specific services from the Mega Menu or click on
the Home button to return to this GCMS Plus Top Page.

Slide 5 How to Create a Payment (Payments and Transfers) (2/3)

In this short course, we will focus on how to use the
Services displayed on the Mega Menu
vary according to the specific registered
Payments and Transfers from Transaction Services
services under the customer's GCMS Plus
contract and user privileges for each user.
menu.
Scope of this
course
For customers who apply for UK Low Value Payment,
SEPA Direct Debit, or Tax Payment, please access
Foreign and most
domestic remittances
can be created here.

those services from the corresponding menu, separate

from Payments and Transfers.
5

Note that the actual menu contents you see from your
screen may differ from this screen image, as only
available services based on customer’s GCMS Plus
contract, application and user privilege will be displayed
from the Mega Menu.

<Note>
For GCMS Plus users on or before April 2022 (release
date for the renewed GCMS Plus), note that Payments
and Transfers cover the following target payment
services, previously known as:
• Payments
• Group/Confidential Payments
• single instruction
• group instruction
• Confidential Payment
• SEPA Credit Transfer
• Domestic Credit Transfer (Europe)
• DuitNow

4
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 6 How to Create a Payment (Payments and Transfers) (3/3) <Payments and Transfer - Creation>
There are 3 basic ways to initiate a payment by using the
Payments and Transfers.
1

1. Create from scratch (“Entry”)

2
3 There are 3 ways to create a payment.
1. Create from scratch (“Entry”)
2. Create by copying past data (“Copy”)
3. Create by uploading a payment file (“Upload”)
2. Create from copying past data (“Copy”)
3. Create from uploading a file (“Upload” or “Upload –
SEPA Local Format”)
6

<Note>
For GCMS Plus users on or before April 2022 (release
date for the renewed GCMS Plus), to bring customers a
more enriching and easier experience, the original
Payment Template and Beneficiary Template have been
consolidated into Beneficiary Master.
You can still use Beneficiary Master from payment
creation screens to pull out pre-registered beneficiary
and beneficiary bank information.
For more details, please also refer to the related GCMS
Plus Introduction Video Course on How to Set
Beneficiary Master.

Slide 7 This section of the course explains the key points to use
Payments and Transfers to create a payment (single
How to Apply for Payment Instruction from Scratch instruction) from scratch.

5
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 8 How to Apply for Payment Instruction from Scratch (1/8) Applier <How to Access>
At GCMS Plus Top Page or any page, move your mouse
cursor onto Transaction Services and click Payments
1 Target Payments

• All payment types (foreign and domestic

remittances (*))
and Transfers > Creation > Entry to manually create a
(*) Except for UK Low Value Payment and
SEPA Direct Debit, initiated from another menu
new payment from scratch.
This menu is common for all target payment types,
including foreign remittance/book transfer/domestic
remittance via SWIFTNet, and domestic remittances via
8

local settlement network, such as SEPA, CERTIS,

NEFT, PesoNet, CITAD, and Zengin.

First, we will discuss how to create a single instruction,

(e.g., Foreign Remittance etc.) in this section.

Slide 9 How to Apply for Payment Instruction from Scratch (2/8) Applier <Creation: Select screen>
There are two basic steps for creating a payment:
Two basic steps for creating a payment.
Step 1: Select account, payment type,
and enter the payment details.

Step 1 : Create
Select the settlement
account from registered
accounts list.
Step 2 : Confirm and Complete
EUR
EUR 100100Current
100100 Current / ABC
/ ABC Corp
Corp / LondonBranch
/ London Branch

EUR 100100 Current / ABC Corp / London Branch

Available payment types
will be displayed according
to the selected account.
As Step 1, select the settlement account from the drop-
Select the payment type
and click Next.
down list. According to the account, all available
payment types will be displayed accordingly.
9

Below are the main 4 payment types :

• Foreign Remittance (via SWIFTNet)
• Book Transfer (via SWIFTNet)
• Domestic (Single) (via SWIFTNet)
• Domestic (Settlement Network Name) (via local
settlement network)

Select the payment type and click Next.

6
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 10 How to Apply for Payment Instruction from Scratch (3/8) Applier <Creation: Input screen - Transaction Details>
The combination of the account and payment type
selected from the previous screen, determines the entry
Display of entry fields vary
depending on account and
payment type selected on
Creation: Select screen.

fields on this screen.

Enter the necessary information
(* indicates mandatory information)

Leave Value Date as blank if not

Display of entry fields may vary by the settlement

YY/MM/DD
determined at creation.
EUR

125,000.00
Enter contract no.(if applicable)
CONT
or select from list.
123456789012345

06000 (Manufactured goods)

Click the link to confirm the list of
account and payment type selected on previous
INV-123
corresponding purpose codes
Share

EUR 123456 / Current / ABC Corp / London Br.

and/or contents.
Creation: Select screen.
Please follow the actual screen and enter the necessary
10

information.

Click the + button of Payment Type and Settlement

Account information to expand this section (collapsed by
default) to see more details.
Follow the entry fields displayed on the screen and enter
the necessary information for the following:
• Transaction Details
• Beneficiary Details
• Notification Details
• Internal Comments
Note that an asterisk (*) indicates the entry field is
mandatory.

<Transaction Details>
Enter Transaction Details including Currency, Amount,
Bank Charge (Share/Beneficiary/Applicant) etc.

In case Value Date is not determined when payment is

being created, leave it as blank. Value Date can be
edited by applier later or can be determined (overwritten)
by approver. For more details, please also refer to the
related GCMS Plus Introduction Video Course on How to
Inquire and Approve Payment.

Enter the Amount and specify Exchange Method as

NOEX, SPOT or CONT.
In case you have an exchange contract with the bank
(Exchange Method: CONT), enter your contract number
or click Select button to select from the Forward Contract
No. List.

7
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Regarding Purpose of Remittance, as it is mandatory by

country requirements under certain circumstances,
appliers may click the link besides the entry field to
check more details on how and what to enter.
If you have any questions on the entry fields, please
refer to user manuals or contact your bank (MUFG Bank
contracting branch).

Slide 11 How to Apply for Payment Instruction from Scratch (4/8) Applier <Creation: Input screen - Beneficiary Details>
Enter the Beneficiary Name, Address, including Country
and Account No. and other necessary information.
Manually enter Beneficiary
and Beneficiary Bank
information or select
ABC Motors pre-registered Beneficiary
1-4-1 Marunouchi Chiyoda-Ku

Tokyo
Master. More on next page.
Refer to related GCMS Plus Users may also select pre-registered Beneficiary Master
Japan
Introduction Video Course.

337-2783918 Enter either Beneficiary by clicking the Beneficiary Master List button.
Account No. or IBAN.

BOTKJPJT
MUFG BANK, LTD.
Select SWIFT BIC
from the list and display According to related beneficiary master settings
corresponding Bank Name
for easy reference.
(registered by bank based on customer’s application
forms), the use of beneficiary master may be mandatory
11

or optional.
For more details, please refer to other related GCMS
Plus Introduction Video Course on How to Set
Beneficiary Master.

Display of entry fields may vary by the settlement

account and payment type selected on previous
Creation: Select screen.
Please follow the actual screen and enter the necessary
information.

8
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 12 How to Apply for Payment Instruction from Scratch (5/8) Applier <Select Beneficiary Master screen>
~ Transitioned from previous
Creation: Input screen ~ On this screen, enter the search criteria and click Search
Specify Reference, Beneficiary
Name, Account No. etc. and
search the beneficiary list. to obtain the pre-registered beneficiary list.
Search fields are available for
partial match, not case sensitive.
(except for fields with fixed value) Criteria includes “Reference” (any referential information
Click Search.

customer has registered for beneficiary, such as specific

BOTKJPJT
naming, priority, ID and etc.), “Beneficiary Name”,
“Beneficiary Account No.” and more.
Select a beneficiary.
Click Set and return to
If you cannot find the desired beneficiary, you may try
12

the previous screen.

further narrowing down the search criteria (multiple

criteria can be used together), or checking if beneficiary
is pre-registered in the Beneficiary Master.
For more details, please refer to other related GCMS
Plus Introduction Video Course on How to Set
Beneficiary Master.

After you find the desired beneficiary, select from the list
and click Set. This will direct you back to the previous
Creation: Input screen.
Pre-registered beneficiary and beneficiary bank
information will be automatically set on Creation: Input
screen.

Slide 13 How to Apply for Payment Instruction from Scratch (6/8) Applier <Creation: Input screen - Notification Details and
Internal Comments>
Enter Message / Beneficiary

Payment for Sep. (Invoice No. 1452378)

Advice as necessary.
Enter message to beneficiary as necessary.
Use Beneficiary Advise (if
applicable) to send automatic
e-mail notification to the
beneficiary with payment
information (up to 2 e-mails)
[email protected]

Applier and approver can set

Enter beneficiary e-mail address and its related contents,
Payment for Sep. (Invoice No. 1452378) comment for internal use.
It is not set on payment data.
for sending automatic e-mail notification to beneficiary to
Go back to previous screen or
inform the payment information, such as Value Date,
Please approve by this Friday. (Invoice No. 1452378)

cancel the payment creation.

Amount and Message (contents). Note that to start using

13
Click Apply to
proceed to Step 2

Beneficiary Advice, customer need to apply to enable the

service via application form to your bank.

Comments fields can be entered by applier or approver.

Note that the comments are only for customer’s internal
use and such comments will not be included in the
payment instruction.

After entering all necessary information, click Apply to

9
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

proceed. Or click Save as Draft to save the payment

instruction.

<Usage Tips on UIUX>

As a key concept to a more enriching and easy-to-
understand UIUX (user interface/user experience),
please note that the highlighted red buttons indicate key
actions to proceed, including (but not limited to) “Apply”,
“Save as Draft”, “Confirm” and etc. On the other hand,
light gray buttons indicate other actions including (but not
limited to) “Back to Previous”, “Cancel”, “Download” and
etc.
Compared to previous generation of GCMS Plus, the
button coloring, positioning and naming are completed
redesigned for intuitive operation.

Slide 14 How to Apply for Payment Instruction from Scratch (7/8) Applier <Creation: Confirm screen>
This is the second step in the payment creation process,
Step 2: Confirm details and complete the
payment instruction creation

Confirm the contents and click

Confirm (button also available at
where you can confirm the information you have entered
the bottom for easy operation)

so far and select the appropriate approval flow.

Approval Flow A - HR
Approval Flow B - Accounting
Select Approval flow from
Approval Flow C - Purchasing Dep
drop-down menu as appropriate
for the instruction.

Select the approval flow for this payment instruction as

Refer to related GCMS Plus
Introduction Video Course.

appropriate.
***Attention***

1. In case beneficiary master is used in the payment

14
For transactions involving European settlement account, transaction authorization
using OTP Token device and user’s login password are required on this screen.

instruction (Foreign Remittance, Domestic (Single) and

Book Transfer) and a specific approval flow is linked with
the beneficiary master*, such approval flow will
automatically display in the Approval Flow Name field.
2. In case one common approval flow* is registered for
Payments and Transfers, such approval flow will apply
automatically.
3. In case multiple approval flows are available for
Payments and Transfers (by registering multiple
patterns* for Payments and Transfer), select from the
drop-down menu as appropriate.
4. When no available approval flow (not registered),
Default Approval Flow* (2 steps of Apply and Approve)
will apply automatically.
In this case, all users who have Approval Privilege can

10
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

approve the instruction.

*For more details, please refer to other related GCMS

Plus Introduction Video Course on How to Set
Beneficiary Master and How to Set Approval Flow.

<Note on additional step in compliance with PSD2

regulation>
An additional step, requiring appliers and approvers to
conduct transaction authorization, is necessary for
payment instruction creation and approval (including
cases of both one or multiple approvers) where PSD2
regulation is applicable.

This step is required if any of the following criteria apply:

1. In case payment type within Payments and Transfers
is Foreign Remittance/Domestic (Single)/Book Transfer
(or equivalent to payments via SWIFTNet), when the
settlement account is held in EU/EEA countries.
* When creating or approving multiple payment
instructions, if one of the instructions of which the
settlement account is held in the countries above, this
step will be applicable.

2. In case payment type within Payments and Transfers

is any of the following:
• Domestic - SEPA
• Domestic (Confidential) - SEPA
• Domestic - CERTIS
• Domestic (Confidential) - CERTIS

3. In case of UK Low Value Payments *outside of

Payments and Transfers
4. In case of SEPA Direct Debit *outside of Payments
and Transfers

11
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 15 How to Apply for Payment Instruction from Scratch (8/8) Applier <Creation: Complete>
Payment instruction has been applied. You can also
Instruction has been
applied to approver.
refer to the summary of Instruction Information.
Ask approver to approve.

Summary of the applied The instruction applied here can In case you want to edit, withdraw or delete the applied
instruction is shown be inquired, edited or withdrawn
from Payments and Transfers >
instruction, go to Payments and Transfers > Inquiry and
for easy reference.
Inquiry and Approval.

Refer to related GCMS Plus

Approval for necessary actions before approver

Introduction Video Course.

approves/rejects it.
15

Slide 16 This section of the course explains the key points to use
Payments and Transfers to create a group instruction
How to Apply for Payment Instruction from Scratch (Group) from scratch.

16

Slide 17 How to Apply for Payment Instruction from Scratch

- group instruction (1/8)
Applier <How to Access (group instruction)>
~ Transitioned from Payments
and Transfers Mega Menu ~ So far, we have discussed the basic steps and key
points of single instruction.

Select the settlement account

In the next few pages, we will briefly look at how to
first and then payment type.
EUR
EUR 100100Current
100100 Current / ABC
/ ABC Corp
Corp / LondonBranch
/ London Branch

create a group instruction (e.g., Domestic – SEPA etc.)

EUR 100100 Current / ABC Corp / London Branch

and focus on the difference between a single and group

Click Next to proceed.
instruction.
17

<Creation: Select screen> (group)

As covered in the beginning of this section, in case
domestic payments via local network is available based
on the selected settlement account, such payment types
will also appear in the Settlement Information, select the
corresponding payment type and click Next button to
proceed.

12
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 18 How to Apply for Payment Instruction from Scratch

- group instruction (2/8)
Applier <Creation: Input screen> (group)
To create a group instruction, first enter the group related
information.
Enter Group Information
You may pre-define a group name for all the transactions
Display of entry fields vary
Vendor A (Sep)
depending on account and
payment type selected on
within the group for easy identification and performing
Creation: Select screen.

Follow the screen and enter quick search afterwards.

necessary information.

Please follow the actual screen and enter necessary

information.
18

<Note>
As explained in the previous section on single
instruction, display of entry fields vary depending on
account and payment type selected on Creation: Select
screen.
When applicable, select a Debit Type from Single Debit
or Multiple Debit. Select a single debit to your account in
case of a bulk payment, salary/bonus payment etc.
In case of a salary/bonus payment, select corresponding
payment types with “Confidential”, such as Domestic
(Confidential) – SEPA.

Slide 19 How to Apply for Payment Instruction from Scratch

- group instruction (3/8)
Applier <Creation: Input screen> (group)
To add a new transaction in a group instruction, click
Click New to create one or
more transactions.
New button shown in the Transaction Information.
More on next page.

Note that when a transaction is registered, return to this

Creation: Input and proceed to the next screen.
If multiple transactions are to be added, repeat this step
to add more new transactions.
Please approve by this Friday. (Invoice No. 1452378)

19

13
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 20 How to Apply for Payment Instruction from Scratch

- group instruction (4/8)
Applier <Creation: Input Details screen> (group)
~ Transitioned from previous
Creation: Input screen ~ Follow the entry fields shown on the screen to enter the
details for this transaction.
Entered Group Information
can be confirmed here.
Note that the actual contents you see from your screen
Display of entry fields vary
may differ from this screen image, as display of entry
Vendor A (Sep)

depending on account and

payment type selected on
Creation: Select screen.

Follow the screen and enter

fields vary by the settlement account and payment type
necessary information.
7000
(Explanation and usage points
on previous pages regarding selected on Creation: Select screen.
single instruction also apply to
group instruction).
20

Slide 21 How to Apply for Payment Instruction from Scratch

- group instruction (5/8)
Applier <Creation: Input Details screen> (group)
Follow the entry fields shown on the screen to enter the
details for this transaction.
Follow the screen and enter
necessary information.
Note that the actual contents you see from your screen
may differ from this screen image, as display of entry
Usage Tips
In case of a Book Transfer,
there is no need for Beneficiary fields vary by the settlement account and payment type
Bank related information.
Select Same as Settlement
Account Bank / Branch. selected on Creation: Select screen.
21

In case this is a Book Transfer, you do not have to enter

Beneficiary Bank Information. Instead, select Same as
Settlement Account Bank / Branch.

Slide 22 How to Apply for Payment Instruction from Scratch

- group instruction (6/8)
Applier <Creation: Input Details screen> (group)
Follow the entry fields shown on the screen to enter the
details for this transaction.

Vendor A (Sep)
Explanation on every field is Note that the actual contents you see from your screen
omitted in this course. Please
check related user manuals
provided by the Bank.
may differ from this screen image, as display of entry
fields vary by the settlement account and payment type
After entering all necessary
information of the transaction,
click Register to go back to
Create Input screen.
selected on Creation: Select screen.
22

Please follow the actual screen and enter the necessary

information, and click Register to direct back to the
previous Creation: Input screen.
In case there are more than one transaction you need to
register, repeat this step.

14
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 23 How to Apply for Payment Instruction from Scratch

- group instruction (7/8)
Applier <Creation: Input screen> (group)
~ Transitioned from previous
Creation: Input Details screen ~ Back to the main screen (Creation: Input screen), the
In case you have
multiple transactions, transaction you just added is now displayed on the
repeat this step.

Transaction is now added

to the Transaction List.
Transaction List.
ABC Motors To add more transactions to the Transaction List, please
click New and repeat this step.
After registering all the
necessary transactions,
click Apply to proceed. When all necessary transactions are registered, click
Apply button to proceed to Creation: Confirm screen.
23

Slide 24 How to Apply for Payment Instruction from Scratch

- group instruction (8/8)
Applier <Creation: Confirm screen> (group)
Similar to singe instruction creation, this is the second
step in the payment creation process.
Approval Flow A - HR/SALARY
Approval Flow B - Accounting/SALARY
In the Creation: Confirm screen, you may select the
Approval Flow C - Purchasing Dep/SALARY
Select Approval flow from
drop-down menu as appropriate
for the instruction. appropriate approval flow and click Confirm to proceed.
Refer to related GCMS Plus
Introduction Video Course.

Click this icon to check Click Confirm to proceed to

transaction details.
Select the approval flow for this payment instruction as
complete the group instruction.
(omit as step is the same as
ABC Motors
single instruction)
ABC Trading

appropriate.
24

1. In case one common approval flow* is registered for

Payments and Transfers, such approval flow will apply
automatically.
2. In case multiple approval flows are available for
Payments and Transfers (by registering multiple
patterns* for Payments and Transfer), select from the
drop-down menu as appropriate.
3. When no available approval flow (not registered),
Default Approval Flow* (2 steps of Apply and Approve)
will apply automatically.
In this case, all users who have Approval Privilege can
approve the instruction.

*For more details, please refer to other related GCMS

Plus Introduction Video Course on How to Set
Beneficiary Master and How to Set Approval Flow.

15
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 25 This section of the course explains the key points to use
Payments and Transfers to copy a payment.
How to Apply for Payment Instruction by Copy

25

Slide 26 How to Apply for Payment Instruction by Copy (1/3) Applier <How to Access>
At GCMS Plus Top Page or any page, move your mouse
cursor onto Transaction Services and click Payments
Target Payments
2
• All payment types (foreign and domestic
remittances (*))
and Transfers > Creation > Copy to copy previously
(*) Except for UK Low Value Payment and
SEPA Direct Debit, initiated from another menu
approved payment instructions in Payments and
Transfers. This menu is common for all target payment
types.
26

Slide 27 How to Apply for Payment Instruction by Copy (2/3) Applier <Copy: Select>
Approved payment instruction from
previous month show by default
By default, the approved payment instruction from the
without conducting searching.
Vendor A

ABC
Use one or more easy-to-use
previous month show when you enter the screen.
search criteria. Search fields are
not case-sensitive (partial match).
To copy an approved payment instruction, simple select
Click this icon to an instruction and click Copy button to proceed to
check details
Vendor A
Vendor A
ABC Motors

ABC Trading
Usage Tips
Floating Action Button Creation: Input screen. The rest of the steps are the
(appearing in front of all
screen content) for visibility
Select the desired
instruction and click
and easy operation. same with how to create a single instruction, as covered
Copy to proceed to

in the previous section.

27 Creation: Input screen.

You may also conduct a search of approved instruction

by specifying the search criteria.
E.g., search a group name (if pre-defined, such as by
vendor, date etc.), or search a specific beneficiary or
value date.
In case there are a lot of beneficiary, use multiple search
criteria to narrow down the scope of the search.

<Usage Tips on UIUX>

Search fields are not case-sensitive, meaning you do not
need to distinguish uppercase/lowercase letters to

16
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

perform a search.
Partial search is applicable to all fields, except for certain
fields that has fixed value that require complete match.

Floating Action Button (FAB) is available on this screen,

where Copy button always shows on the front side for an
easy click.

<Note>
For GCMS Plus users on or before April 2022 (release
date for the renewed GCMS Plus), note that the Copy
function is only available for approved instructions within
Payments and Transfers.
Instructions approved in previous-generation GCMS Plus
cannot be copied. Such instructions are accessible from
Past Data menu with a limited time for reference.
For more details, please refer to other related GCMS
Plus Introduction Video Course on How to Inquire and
Approve Payment.

Slide 28 How to Apply for Payment Instruction by Copy (3/3) Applier <Creation: Input screen>
~ Transitioned from previous
Copy: Select screen ~ After you copy the past instruction, you can continue to

Past instruction information is

edit the instruction and follow the same steps described
copied to Creation: Input screen.
Continue to edit the instruction.
(same steps as explained in the previous sections to apply.
previous sections)
YY/MM/DD

EUR

125,000.00

CONT

123456789012345

06000 (Manufactured goods)

INV-123

Share

EUR 123456 / Current / ABC Corp / London Br.

28

17
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 29 This section of the course explains the key points to use
Payments and Transfers to upload file for payment
How to Apply for Payment Instruction by Upload instruction.

29

Slide 30 How to Apply for Payment Instruction by Upload (1/5) Applier <How to Access>
At GCMS Plus Top Page or any page, move your mouse

Target Formats
cursor onto Transaction Services and click Payments
3
• Upload multiple payment instructions,
available for all (*) pre-defined formats and Transfers > Creation > Upload, or Upload – SEPA
within Payments and Transfers
• Upload payment instructions by SEPA
local format
Local Format to perform file upload in Payments and
Transfers. This menu is common for all target payment
(*) Except for UK Low Value Payment and
SEPA Direct Debit, initiated from another menu

types.
30

Note that “Upload – SEPA Local Format” only appears in

case users who has SEPA Credit Transfer Instructions
(Local Format) privilege.

Slide 31 How to Apply for Payment Instruction by Upload (2/5) Applier <Upload: Select>
Two basic steps for creating a payment.
Step 1: Select file format and enter
details of upload file information
This screen (Upload: Select) shows the first of the two-
step approach for file upload, where you can select the
Display of entry fields vary by branch
and available file formats.
desired file format (pre-defined) and enter detailed
information for the upload file. The upload file should in
Usage Tips

Useful functions to use for file upload,

applicable to Payments and Transfers.
1. File encryption with the bank-
provided public key (see Administration
txt or csv.
> Reference > Public Key Download)
2. Upload only the correct instructions
in the file. According to the selected File Format (GCMS Plus
3. Verify beneficiary in the file with
pre-registered Beneficiary Master.
Format etc.), user privilege and settings on Customer
31

Registration, corresponding fields will show (or not show)

dynamically.

<Usage Tips>
Several usage tips you should know before starting to
use file upload function.
1 You can upload a file encrypted with the bank-provided
public key* (applicable to all uploads within Payments
and Transfers).

18
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

*downloadable from Mega Menu > Administration >

Reference.

2. You may flexibly change settings to allow uploading

only the correct instructions in the file (instructions with
errors will not be uploaded) or prevent from uploading if
any of instructions in a file contains error.

3. You may restrict payment instructions* only to the pre-

registered beneficiaries when using the file upload
function, by automatically verifying the beneficiary in the
file with registered beneficiary masters.
*applicable to Foreign Remittance/Domestic
(Single)/Book Transfers, or equivalents of those payment
types in Payments and Transfers

These settings can be registered by your bank based on

customer’s application form.

Slide 32 How to Apply for Payment Instruction by Upload (3/5) Applier <Upload: Select>

Select the file format first and This is the first of the two-step approach for file upload,
corresponding entry fields below
Specify tab or comma as
will display accordingly.
where you can select the desired file format (pre-defined)
file delimiter, and select the
file from your local drive.

Display only in case value date is

set as editable.
and enter detailed information for the upload file.
Display only in case file upload
setting is editable.
Display only in case user has
According to the selected File Format (GCMS Plus
Confidential privilege, in case of
SEPA, Multicash Format.
Format etc.), user privilege and settings on Customer
Display only in case of Group
32 Click Upload to
Jakarta and Multicash Format.
proceed.
Registration, corresponding fields will show (or not show)
dynamically.

Then specify the delimiter (tab, comma) for each field in

the upload file, and select the location of the file to be
uploaded.

Overwrite Value Date field will only show in case value

date is set as editable from Customer Registration
screen (registered by bank based on customer’s
application form). Please note the difference between the
value date specification when you create payment
online(screen) or via file upload.

19
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

• If you create online (screen), value date can be left

blank.
• If you make the file upload, value date should not be
left blank or a past date. In case value date is not
correct, error will be displayed.
Then you can use Overwrite Value Date to enter an
appropriate value date to proceed the file upload.

Editable Instruction field will only show in case file upload

setting is "editable", which can be confirmed on
Customer Profile: Inquiry screen (Administration >
Customer Profile > Profile Inquiry).
Note that customer registration is conducted by bank
based on customer’s application form.

Confidential field shows only in case of SEPA, and

Multicash format, and in case user has Confidential
privilege (set in User Profile screen). In case of other
formats, Confidential field is not displayed.
Debit Type shows only in case of Group Jakarta and
Multicash format. In case of other formats, Debit Type is
not displayed.

Slide 33 How to Apply for Payment Instruction by Upload (4/5) Applier <Upload: Confirm>
This is the second step for file upload, where you can
Step 2: Confirm details and complete
the payment instruction creation

select the approval flow.

Select from drop-down menu
as appropriate in case multiple
approval flows of Payments
Refer to the approval flow related explanation in section
Click Confirm and Transfers are set.
to proceed.
Refer to related GCMS Plus
Introduction Video Course.
2.
Approval Flow A - HR
Approval Flow B - Accounting
Approval Flow C - Purchasing Dep

33

20
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 34 How to Apply for Payment Instruction by Upload (5/5) Applier <Upload: Complete>
Payment instruction has been applied by file upload. You
can also refer to the summary of Instruction Information.
Instruction has been applied.
Ask approver to approve.
Summary of the uploaded
instruction is shown
Inquiry, edit and withdraw etc. are In case you want to edit, withdraw or delete the applied
possible via Payments and
for easy reference. Transfers > Inquiry and Approval.
Refer to related GCMS Plus
Introduction Video Course.
instruction, go to Payments and Transfers > Inquiry and
Approval for necessary actions before approver
approves/rejects it.
34

Slide 35 Reference

This is the end of the GCMS Plus Introduction Video Course on

How to Create a Payment (Payments and Transfers).
Thank you for taking this course!
Please check related FAQ for this course and the accompanying PDF with more explanation.
Please also check other GCMS Plus Introduction Video Courses.

35

Slide 36 <FAQ>
Thank you for taking this GCMS Plus Introduction Video
How to Create a Payment
(Payments and Transfers) Course on How to Create a Payment (Payments and
(FAQ)
~GCMS Plus Introduction Video Course~ Transfers).
After learning this course, please use the FAQ to test
your understanding of the course contents. Please feel
free to go back if you need to review some of topics.
Ver 1.0
Last Updated in October 2021
36

Slide 37 Reference - FAQ (Questions)

1. What kind of payment can be created using "Payments and Transfers"?

2. On the payment creation screen, do the displayed fields change depending on the certain
conditions?
3. Can Value Date be left as blank? Can approver(s) add/edit the Value Date later?
4. What is the furthest date I can select for a future value transaction?
5. What is the button on the right side of "Purpose of Remittance" field?
6. How can I apply for using the "Beneficiary Advice" function?
7. On Select Beneficiary Master screen, are the search fields available for partial match?
8. When creating a payment, what happens if there is no applicable approval flow for me to
select?
9. Can I create a new approval flow when I create a payment? Can I edit the approval flow after
submitting to approver?
10. How can I check the payment data status after applying instruction? How can I withdraw the
instruction?
11. When uploading payment files, why the "Editable Instruction" and "Overwrite Value Date" are
not available for me?
12. Regarding payment upload, which type of file formats are accepted?
13. What is “public key” and how to use the public key to encrypt file?
14. Regarding the Copy function, how many months of previously approved payment instructions
can be copied? Can the payment data created on the previous system be copied?
37

21
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Slide 38 Reference - FAQ (Answers)

1. What kind of payment can be created using
1. What kind of payment can be created using "Payments and Transfers"? "Payments and Transfers"?
Payments and Transfers can create foreign remittance, book transfer and most domestic
remittances (except UK Low Value Payment and SEPA Direct Debit, which are accessed from Payments and Transfers can create foreign remittance,
separate menus, if such services are enabled for customers).

book transfer and most domestic remittances (except UK

2. On the payment creation screen, do the displayed fields change depending on
the certain conditions?
Low Value Payment and SEPA Direct Debit, which are
Yes, available fields displayed on the screen depend on the settlement account and payment
type that are specified on the Creation: Select screen.
accessed from separate menus, if such services are
Please follow the entry fields on the actual screen and input the details as necessary.

enabled for customers).

38

2. On the payment creation screen, do the displayed

fields change depending on the certain conditions?
Yes, available fields displayed on the screen depend on
the settlement account and payment type that are
specified on the Creation: Select screen.
Please follow the entry fields on the actual screen and
input the details as necessary.

Slide 39 Reference - FAQ (Answers)

3. Can Value Date be left as blank? Can approver(s)
3. Can Value Date be left as blank? Can approver(s) add/edit the Value Date later? add/edit the Value Date later?
Yes, Value Date is an optional field for payment creation (input on screen), so it can be left as
blank when applied. Approver(s)* can approve the payment instruction with the blank Value
Date. In such case, Value Date will be automatically suggested by system.
Yes, Value Date is an optional field for payment creation
Alternatively, approver(s)* can also use the Overwrite Value Date function to manually edit the
Value Date.
*In case there are multiple approvers, partial approver can leave the Value Date as blank. (input on screen), so it can be left as blank when applied.
Please note that when you create instructions via file upload, Value Date should not be left as
blank. If Value Date is blank or a past date is specified, error will be displayed.
Approver(s)* can approve the payment instruction with
4. What is the furthest date I can select for a future value transaction?

The future/foward value date that can be set, differs from payment types within Payments and
the blank Value Date. In such case, Value Date will be
Transfers.

automatically suggested by system.

For Foreign Remittance, Domestic (Single) and Book Transfer, the date can be set within 20
calendar days from the current day.
For more details, refer to the GCMS Plus Online Manual.

Alternatively, approver(s)* can also use the Overwrite

39

Value Date function to manually edit the Value Date.

*In case there are multiple approvers, partial approver
can leave the Value Date as blank.

Please note that when you create instructions via file

upload, Value Date should not be left as blank. If Value
Date is blank or a past date is specified, error will be
displayed.

4. What is the furthest date I can select for a future

value transaction?
The future/forward value date that can be set, differs
from payment types within Payments and Transfers.
For Foreign Remittance, Domestic (Single) and Book
Transfer, the date can be set within 20 calendar days

22
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

from the current day.

For more details, refer to the GCMS Plus Online Manual.

Slide 40 Reference - FAQ (Answers)

5. What is the button on the right side of "Purpose of
5. What is the button on the right side of "Purpose of Remittance" field? Remittance" field?
By clicking the button, Purpose of Remittance List screen
By clicking the button, Purpose of Remittance List screen will be displayed. Applier can refer to
the available guide and information therein for entering the correct purpose of remittance.

6. How can I apply for using the "Beneficiary Advice" function? will be displayed. Applier can refer to the available guide
Beneficiary Advice is only displayed for customers in case such service is enabled. Customer
can apply for Beneficiary Advice via application form provided by bank. and information therein for entering the correct purpose
7. On Select Beneficiary Master screen, are the search fields available for partial
match?
of remittance.
All search fields are available for partial match and not case sensitive (except for some fields
with fixed value).

6. How can I apply for using the "Beneficiary Advice"

40

function?
Beneficiary Advice is only displayed for customers in
case such service is enabled. Customer can apply for
Beneficiary Advice via application form provided by bank.

7. On Select Beneficiary Master screen, are the

search fields available for partial match?
All search fields are available for partial match and not
case sensitive (except for some fields with fixed value).

Slide 41 Reference - FAQ (Answers)

8. When creating a payment, what happens if there is
8. When creating a payment, what happens if there is no applicable approval flow
for me to select?
no applicable approval flow for me to select?
In case no approval flow is available during payment creation, Default Approval Flow will apply
automatically. Default Approval Flow refers to a two-level flow: apply and approve. In case no approval flow is available during payment
In case a multi-level approval flow should be used, please ensure to register necessary
approval flows before creating a payment instruction.
creation, Default Approval Flow will apply automatically.
9. Can I create a new approval flow when I create a payment? Can I edit the
approval flow after submitting to approver?
Default Approval Flow refers to a two-level flow: apply
If approval flows are required, they should be registered in advance.
Approval flows can be selected only during payment creation. After the instruction is and approve.
applied/submitted to approver, approval flow cannot be changed unless applier withdraw and
edit the instruction.
In case a multi-level approval flow should be used,
please ensure to register necessary approval flows
41

before creating a payment instruction.

9. Can I create a new approval flow when I create a

payment? Can I edit the approval flow after
submitting to approver?
If approval flows are required, they should be registered
in advance.
Approval flows can be selected only during payment
creation. After the instruction is applied/submitted to

23
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

approver, approval flow cannot be changed unless

applier withdraw and edit the instruction.

Slide 42 Reference - FAQ (Answers)

10. How can I check the payment data status after
10. How can I check the payment data status after applying instruction?
How can I withdraw the instruction?
applying instruction?
Go to Transaction Services > Payments and Transfers > Inquiry and Approval > Instructions.
On Inquiry and Approval: Search screen, appliers can choose the Action Item as "Withdraw"
How can I withdraw the instruction?
and search the instructions that can be currently withdrawn.

Go to Transaction Services > Payments and Transfers >

Inquiry and Approval > Instructions.
11. When uploading payment files, why the "Editable Instruction" and "Overwrite
Value Date" are not available for me?

"Editable Instruction" and "Overwrite Value Date" will only show in case file upload setting for
the customer is "Editable Settings", which can be confirmed on Customer Profile: Inquiry
screen (Administration > Customer Profile > Profile Inquiry).
On Inquiry and Approval: Search screen, appliers can
Please note that customer registration is conducted by bank based on customer’s application

choose the Action Item as "Withdraw" and search the

form.

instructions that can be currently withdrawn.

42

11. When uploading payment files, why the "Editable

Instruction" and "Overwrite Value Date" are not
available for me?
"Editable Instruction" and "Overwrite Value Date" will
only show in case file upload setting for the customer is
"Editable Settings", which can be confirmed on Customer
Profile: Inquiry screen (Administration > Customer Profile
> Profile Inquiry).
Please note that customer registration is conducted by
bank based on customer’s application form.

Slide 43 Reference - FAQ (Answers)

12. Regarding payment upload, which type of file
12. Regarding payment upload, which type of file formats are accepted?
Uploaded file should be in txt or csv.
formats are accepted?
Please note that in case file is encrypted with the public key provided by bank, other file types
such as gpg etc. are acceptable.
Uploaded file should be in txt or csv.
13. What is “public key” and how to use the public key to encrypt file?
Public key is used in file encryption service provided by the bank and can be downloaded by
customer via the GCMS Plus screen (Administration > Reference > Public Key Download). Please note that in case file is encrypted with the public
Customer can upload a file encrypted with the public key to the GCMS Plus.

Basic steps for file encryption are as follows:

Step 1) Download the public key for creating an encrypted file from the GCMS Plus screen
key provided by bank, other file types such as gpg etc.
(Administration > Reference > Public Key Download)

are acceptable.
Step 2) Create payment instruction data.
Step 3) Encrypt the upload file created in Step 2 using the public key downloaded in Step 1.
Encryption software based on OpenPGP* is required for file encryption.
Step 4) Upload the encrypted file to GCMS Plus. The encrypted file is automatically decrypted
upon upload.

*OpenPGP is a standardized version of commercial program (PGP: Pretty Good Privacy) for
the
43 encryption of files, emails, etc.

13. What is “public key” and how to use the public

key to encrypt file?
Public key is used in file encryption service provided by
the bank and can be downloaded by customer via the
GCMS Plus screen (Administration > Reference > Public
Key Download). Customer can upload a file encrypted
with the public key to the GCMS Plus.

24
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Basic steps for file encryption are as follows:

Step 1) Download the public key for creating an
encrypted file from the GCMS Plus screen
(Administration > Reference > Public Key Download)
Step 2) Create payment instruction data.
Step 3) Encrypt the upload file created in Step 2 using
the public key downloaded in Step 1. Encryption
software based on OpenPGP* is required for file
encryption.
Step 4) Upload the encrypted file to GCMS Plus. The
encrypted file is automatically decrypted upon upload.

*OpenPGP is a standardized version of commercial

program (PGP: Pretty Good Privacy) for the encryption
of files, emails, etc.

Slide 44 Reference - FAQ (Answers)

14. Regarding the Copy function, how many months
14. Regarding the Copy function, how many months of previously approved
payment instructions can be copied? Can the payment data created on the
of previously approved payment instructions can be
previous system be copied?

Instructions that are approved within 13 months can be copied.

copied? Can the payment data created on the
The copy function is only available for approved instructions within Payments and Transfers of
the renewed GCMS Plus*. Instructions approved in previous-generation GCMS Plus cannot
be copied. previous system be copied?
*GCMS Plus is scheduled for renewal in April 2022.
Instructions that are approved within 13 months can be
copied.
The copy function is only available for approved
instructions within Payments and Transfers of the
44

renewed GCMS Plus*. Instructions approved in previous-

generation GCMS Plus cannot be copied.

*GCMS Plus is scheduled for renewal in April 2022.

25
 How to Create a Payment (Payments and Transfers)
~GCMS Plus Introduction Video Course~

Disclaimer

The information herein is provided for information purposes only, and is not to be used or considered as an offer
or the solicitation of an offer to sell or to buy or subscribe for any services, transactions, securities or other
financial instruments. Neither this nor any other communication prepared by MUFG Bank, Ltd. (collectively with
its various offices and affiliates, "MUFG Bank") is or should be construed as investment advice, a
recommendation to enter into a particular transaction or pursue a particular strategy, or any a warranty,
guarantee or statement as to the likelihood that a particular transaction or strategy will be effective in light of your
business objectives or operations. Before entering into any particular transaction, you are advised to obtain such
independent financial, legal, accounting and other advice as may be appropriate under the circumstances. In any
event, any decision to enter into a transaction will be yours alone, not based on information prepared or provided
by MUFG Bank. MUFG Bank hereby disclaims any responsibility to you concerning the characterization or
identification of terms, conditions, and legal or accounting or other issues or risks that may arise in connection
with any particular transaction or business strategy. Note that MUFG Bank will require to apply to our credit
division to establish credit facilities for the pooling arrangement in accordance with MUFG Bank’s credit
procedures. Note that MUFG Bank may have issued, and may in the future issue, other reports that are
inconsistent with or that reach conclusions different from the information set forth herein. Such other reports, if
any, reflect the different assumptions, views and / or analytical methods of the analysts who prepared them, and
MUFG Bank is under no obligation to ensure that such other reports are brought to your attention.

Copyright (c) MUFG Bank, Ltd. All rights reserved.

2-7-1 Marunouchi, Chiyoda-ku, Tokyo 100-8388 Japan.

Transaction Banking Division
MUFG Bank, Ltd.

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