Create Merchant Payment Limit, Process Advisory
Merchant Pre Approved Transaction Limit (MPAT)
- Merchant Pre Approved Transaction Limit(MPAT) is a transaction limit set by corporate user to enable them for making online payment of ulility bills, fees or taxes at various merchant sites in single session.
- By creating a Merchant Payment Limit for a merchant, payments of utility bills/taxes can be made to that merchant in a single session up to the balance available in the Merchant Payment Limit. Since the limit is already pre-approved by the authorizer, there will be no need for multiple users to login and authorize the merchant transactions. The authorizer can make the payment directly in a single step by visiting the merchant website.
- Corporate user (authorizer) can make transactions only after the merchant is enabled, a predefined limit is created and approved.
- Administrator needs to select limit type and add merchants for creating the merchant pre approval limit.
Setup Process for Merchant Pre Approved Transaction Limit (MPAT)
Step 1: Admin will select Limit Type and add merchants for users mapped to it. It is one time activity.
Manage Beneficiary > Merchant > Set Limit Type and Add Merchant
Step 2: User will set Merchant Pre Approved Transaction Limit (MPAT) amount.
Corporate User: Merchant Limit > Create Merchant Limit
Authorizer: Merchant Limit > Authorize Inbox
- Merchant transactions can be initiated once checker approves MPAT Limit initiated by maker.
- The Authorizer for that account has to authorize the Merchant Payment Limit within 7 days in “Merchant Limit > Authorize Inbox”.
- The Authorizer has to be different from the user who has created the Merchant Payment Limit.
- The Merchant Payment Limit is Valid for 10 days from authorization date for making payment. Any unutilized balance will expire at the end of the day 10.
MPAT Limit Types
Generic Limit: It is a consolidated limit amount applicable for all merchants added by admin. In this case user will have to set only limit amount.
Example: Limit Type set by admin: Generic Limit, Added Merchants: Merchant 1, Merchant 2
Limit amount set by User: INR 10000. Assuming authorizer is making payment on Day1, Day2, Day7 and Day10 .Limit utilization and payment in this example are shown below :
Merchant Specific Limit: If selected by admin, user will have to select merchant from the list and set limit amount for individual merchants.
Example: Limit Type set by admin: Merchant Specific Limit, Added Merchants: BEST, MTNL.
Limit amount set by User: BEST: INR 10000, MTNL: INR 5000
Assuming authorizer is making payment on Day1, Day2, Day7 and Day10.Limit utilization and payment in this example are shown below :
PS: Admin can select either one of limit type – generic or merchant specific limit for merchants.
Existing limits will be cancelled in case of change in limit type by admin from generic to merchant specific or vice versa.
- Only those merchants enabled by your Administrator will be displayed for creating Merchant Payment Limit. Kindly contact your Administrator to add the required merchants.
- To make transactions to merchants, you need to create the Merchant Payment Limit and the same must be approved by the authorizer for your accounts.
- Please note that the Merchant Payment Limit is merely a pre-authorization of payment limit. Actual payment to merchant can take place only if sufficient balance is available in the account.
Create Merchant Payment Limit
MPAT type set by Admin, Generic Limit
Merchant Click here for list of enabled Merchant
- Mandatory fields are marked with an asterisk. (*)
- Only those merchants enabled by your Administrator will be displayed for creating Merchant Payment Limit. Kindly contact your Administrator to add the required merchants.
- To make transaction to merchants, you need to create the Merchant Payment Limit and the same must be approved by the authorizer within 7 days.
- The Authorizer has to be different from the User who has created the Merchant Payment limit.
- Authorizer can select limit expiry upto maximum 10 days from date of authorization.
- Please note that the Merchant Payment Limit is merely a pre-authorization of payment limit. Actual payment can take place only if sufficient balance is available in the account.
