Guide to completing the businessONLINE

Setup and Maintenance Application Form

This guide is to help us to setup and configure businessONLINE as you want it to work for you. The various
Services provides different options, let us know if you need any help to your requirement.

About this form

Please complete the first page with the information about your company, contact details and the any base
information, as well as the Authorization page to provide the approval for the setup on businessONLINE.

The optional pages can be completed depending on the Services that you require for Cash Management
as well as for your users and authorization matrix rules.

There may be additional setup form for some services that you select in Cash Services. Our team
supporting you will provide you these forms separately.

General pointers

The form allows you to key in the information and save it in the form. There are also drop-down lists and
other functions to help make your options clear.

Tool tips provide a short description of the field and will appear in the field in the form.

Symbols
 Select the service required. You can un-select if you do not wish to have the service.

Security best practice

We strongly recommend that you apply the following security features and best practices.

1. Enforce segregation of duties for initiation and approval of transactions.

2. Enforce minimum of two approvals for all financial transactions.
3. Implement daily transaction limits for users and accounts.
4. Enforce additional controls by payment type and/or beneficiary.
5. Provide your correct email to receive security alerts and notification.
6. Configure alerts to notify you about payments from your account.
7. Follow security best practices posted on the login page of businessONLINE from time to time.

Documentation: This will provide you guidance on the documentation required for New to Bank
clients and maintenance.

• businessONLINE set-up and maintenance form

• Certified Board Resolution

Key check points to note

1. Ensure Authorizer added to the channel should exist in bank’s records as an authorized signatory.
2. Ensure Authorizer’s latest KYC are in place and updated in Bank’s record. The following details are
important.
 ID Type ID Expiry Date Place of Birth Nationality
Passport Number or Date of Birth Gender
Emirates ID

3. Authorizer’s First & Last name are mandatory and same should be available in Bank’s record under
respective fields.
4. Corporate preferred address should be correct and valid in Bank’s record.
5. Corporate Trade License should be updated in Bank’s record.
6. Subscriber ID should not contain any special character and space is not allowed
7. User ID should not contain any special character except two [i.e. Dot (.) and underscore (_)] and
space is not allowed
8. User’s contact number must carry the “Country Code”.
9. Details can be handwritten in few boxes, if required due to box size. Please ensure that value in
it is legible.
10. In case of any cutting or overwriting in the form should be authenticated by signatory/ies as per
Bank’s record.
11. Please submit the application supported with Certified Board Resolution.
12. Please ensure the nominated charge debit account number is of following currencies only i.e.
AED, USD, GBP and EUR.

Documentation

The following documentation is required for New to Bank Clients.

1. General Terms and Conditions of Accounts and Banking Services for Emirates NBD Bank PJSC
2. businessONLINE Setup & Maintenance Form
3. Product Notes
4. Certified Board Resolution

Submission of form

Once you have completed the businessONLINE Setup & Maintenance Form, please print it out for
signature. You can complete it by hand if you prefer, but please ensure it is clear. Please avoid handwritten
forms as this may lead to setup errors and misinterpretation. It must be signed by approving signatories
and the approving signatory should be in accordance with the bank mandate or board resolution or power
of attorney or similar documents, which you are/have providing to Emirates NBD at account opening.

The authorized signatures are required at bottom of each page of the form. The requirement is to have
the approving signatory full signature. Our team supporting you will advise you accordingly.

Notification upon setup

Each user of businessONLINE will receive a welcome email guiding them on the next steps to enable login
to this electronic channel.
 Completing the setup form

Please complete the first page of the businessONLINE Setup & Maintenance Form when requesting a
New profile on businessONLINE or if you want to modify an existing setup.

Company Details:
Subscriber Name – Please mention the Primary CIF
Name.

Subscriber ID – You can mention any ID as per your

choice. (Note: it can be up to 20 characters (Alpha-
numeric or Alpha or Numeric)

Contact Person Details: It will be maintained as per

details mentioned in Bank’s record or else you can
mention as per your own choice.

Administrator Type:
Single Admin: An admin user who is having self-
authorization access and it does not require any other
admin user to authorize the records.

Dual Admin: Any record initiated by one Admin should

be authorized by another Admin. It follows the maker
and checker concept.

Authentication Type: Application has two factor

authentication mode (Password along with OTP or Token
PIN (i.e. Token has Soft token). You can opt OTP or BOTH.
NOTE: No soft token alone is allowed because for
activation system require OTP.

businessONLINE Account(s) Access:

Add (Link): You need to mention the CIF to on-board
for online channel.
NOTE: Ensure primary subscription debit account’s CIF to
be on-boarded first for becoming primary CIF of
subscription ID.

Remove (Link): You need to mention the CIF to remove

the access under mentioned subscriber ID.

Special Instructions: You can write the specific

requirements which needs to be applied during
Subscription onboarding or maintenance (i.e. On-board
specific accounts only, linking additional CIF etc.)
Product Package:

Package 1: You will have payment profile with

mentioned products along with default products (Bulk
File Upload, Salary File Non-WPS, Split File Upload &
GPSSA)

Package 2: You will have payment profile with

mentioned products along with default products (Bulk
File Upload, Salary File Non-WPS, Split File Upload &
GPSSA)

Package 3: You will have payment profile with

mentioned products along with default products (Bulk
File Upload, Salary File Non-WPS, Split File Upload &
GPSSA)

Package Enquiry: You will have enquiry profile to view

account balances, account statements, download
statement, E-statement

smartTRADE: This is an optional. In case you want to

subscriber for TRADE products, then select the checkbox.
Once you have selected “smartTRADE”, please complete
the ‘applicant name maintenance form for trade online’

Administrator user(s) – Dual Access:

Admin user will be having dual access. This section is for
on-boarding or maintenance on the Admin user’s ID
under mentioned Subscriber ID. All Products and
functions will be entitled as per defined user group.

Add User: New Admin user addition in mentioned

Subscriber ID.

Modify User: To modify Admin user’s details and

entitlements of Products and Functions except the Log-
in ID.

Delete (Close) User: Close the Admin user from

mentioned subscription ID.

Login ID: Client can give any user ID with minimum3

chars. And maximum 32 chars. User ID should be in Alpha
Numeric or Alpha digits. No spaces are allowed and only
two special characters are allowed as “.” (Dot) and “_”
(Underscore).

User Name: First & Last name are mandatory to

capture. Ensure the full name including Middle Name has
to be in placed as per bank’s record.

E-mail ID: User will get the notification in mentioned e-

mail. Client can mention it handwritten, if e-mail id
characters are lengthy and going out of the box.

Mobile No.: User’s Mobile No. with prefix of ISD /

Country Code. Important information to receive OTP
SMS.

Landline No.: User’s Telephone No. with prefix of ISD /

Country Code.

Authentication Type: OTP or BOTH (OTP+SOFT

TOKEN). No soft token alone is allowed since activation
require OTP.

EIDA/ Passport: User’s EID/ Passport number as per

bank’s record.

smartTRADE: User’s access can be enabled / Disabled,

if subscription is having smartTRADE product.

User Role: This is an attribute and this is required in

defining the workflow rules.

User Group: This is a pre-defined group for a user. The

group is a combination of Product, Sub-product,
Functions, and Accounts.

NOTE:
In case of more than 2 users are being added to the
subscription, then add these users using a separate page
for Admin – Dual Access only

User will be having Admin Access along with

Transactional Initiation and Authorization Access.

Additional Details:

Salary WPS MOL and GPSSA MOL (Employer ID):

Multiple Employer MOL id for WPS and GPSSA can
be added and to be separated by comma. This is
mandatory for WPS and GPSSA transaction
Processing. This is an optional field which admin
user can add / modify from his / her own end
through frond end log-in.

Nominated Charges Debit A/c No.:

Your subscription charges will be levied from
primary charge account and in case of any issue in
primary account charges, charges will be levied
from secondary account, if provided. Primary and
Secondary Account is for monthly subscription
charges & file level charges.
Primary Account Number is mandatory for every
CIF onboarding/ CIF Linking.
Note: Please maintain the charge account(s) in
following currency only AED, USD, GBP and EUR.

Maker Authorizer, Maker and Authorizer:

Login ID: Client can give any User ID with minimum 3

characters and maximum 32 characters. User ID should
be in Alpha Numeric or Alpha digits. No spaces are
allowed and only two special characters are allowed as
“.” (Dot) and “_” (Underscore).

User Name: First & Last name are mandatory to

capture. Ensure the full name including Middle Name has
to be in placed as per bank’s record.

E-mail ID: User will get the notification in mentioned e-

mail. Client can mention it handwritten, if e-mail id
characters are lengthy and going out of the box.

Mobile No.: User’s Mobile No. with prefix of ISD /

country Code. Important information to receive OTP
SMS

Landline No.: User’s Telephone No. with prefix of ISD

Code.
EIDA/ Passport: User’s EID/ Passport number as per
bank’s record.

User Role: This is an attribute and this is required in

defining the workflow rules.

User Group: This is a pre-defined User Group for a user.

The group is combination of Product, Sub-product,
Function and Account. Based on the User Group
selection, User will get all the access (i.e. Maker
Authorizer – Will get the initiation and authorization
access as well, Maker – Will get initiation access, and
Authorizer – Will get only Authorizer Access).

NOTE: In case more than 2 users are being added then to

gets the same page separately for Maker Authorizer
only

Authentication Type: OTP or BOTH (OTP+SOFT

TOKEN). No soft token alone is allowed since activation
require OTP.

smartTRADE: User’s access can be enabled / Disabled,

if subscription is having smartTRADE product.
Accounts and Products accessible:

All Products/ Accounts: User will get the access of all

products/ Accounts on-boarded.

Specific Products/ Accounts: User will get the access

of mentioned products/ accounts. Pls. use comma to
separated products/ accounts.

Special Instructions: User’s authorization limit can

define here. Ensure limit should not be excess of defined

Transaction Workflow Rules:

Financial Transaction Workflow: It is defined for

Payment transaction Workflow. And It should be
maintained as per Bank’s Record or else supported by
Company Board Resolution.

All Products: Defined payment flow matrix will apply to

all products.

Specific Products: Defined payment flow matrix will

apply to selected product.

Rule Name: It can be any name defined for Financial or

Non-Financial.

Rule Description: It can be any name defined for

Financial (Pref. # Financial Rule) or Non-Financial (Pref.
# Non-Finance Rule)

All CIFs: Defined payment flow matrix will apply to all

on-boarded CIF(s).
Specific CIF: Defined payment flow matrix will apply to
only mentioned on-boarded CIF(s). Please use comma to
separate the CIF/ accounts.

Hierarchical: Payment will flow in sequence as per

matrix requested by client.

Non-Hierarchical: Payment will flow freely in non-

sequence.

Currency: Client can select the available currency and

workflow will apply in AED upto the mentioned amount
of that currency.

Amount Range - Minimum (From) / Maximum

(To) Amount: Upto mentioned Amount user can
authorize the transactions. Multiple amount slab can be
maintained as required and mentioned corresponding
signatory combinations

Signatory Combinations: User’s role needs to be

mentioned here (i.e. 1 Admin Transaction Maker
Authoirzer, 2Auth.B or 1Auth.A+1Auth.B, etc.). Please
refer the Tips for more details in form.

Non-Financial Workflow:

Non-Financial Transaction Workflow: It is defined

for non-financial transaction Workflow. And It should
be maintained as per Bank’s Record or else supported
by Company Board Resolution.

Rule Name: It can be any name defined for Financial

or Non-Financial.

Rule Description: It can be any name defined for

Financial (Pref. # FinancialRule) or Non-Financial (Pref.
# non-Financial Rule)

Products: Company can apply for Cheque Book

Signatory Combinations: User’s role needs to be

mentioned here (i.e. 1 Admin Transaction Maker
Authorizer, 2Auth.B or 1Auth.A+1Auth.B, etc.). Please
refer the Tips for more details in form.
General Terms & Condition:
Every page including the last one needs to be signed by
Authorizer Signatory as per the Bank’s Records.
➢ For any change or update in the subscriber details, kindly submit the businessONLINE set-up
application form along with Certified Board Resolution as applicable.
• Change in Subscription Name
• Closure or Disable of Subscriber ID
• Change of Administrator(s) Type
• Change in contact person details (Name, E-mail ID, Mobile No.)
• Upgradation or down gradation of profile (Enquiry to Payment or Payment to Enquiry)
• Addition of additional product (Trade)
• De-linking of CIF
• Change of e-mail ID or contact number or authentication type of Admin User
• Change of Charge Debit Account Number

➢ For any addition of CIF, please submit the Company Addition Form for businessONLINE.

➢ Following details can be updated by Admin user except his/ her own ID and other Admin User’s ID:
• Maintenance in User’s Details (i.e. Name, Mobile No., E-mail ID, Authentication Type)
• Maintenance in User’s Profile (i.e. Entitlement of Products, Sub-products, Accounts,
Functions, limits,)
• Creation and Maintenance in Workflow Rule (Addition / Deletion)
• In case of Shared Admin profile Bank’s Authorization would be required post actioned by
Admin(s) User in the following cases:
o User details and Profile record wherein Authorization function exists will fall in
Bank’s queue for further proceeding.
o Transaction workflow record will fall in Bank’ s queue for further proceeding post
creation or modification done by Admin(s).