Payment authorisation

How do I authorise a payment I entered on the mobile app?

To authorise a single payment, login to Coutts Online

Select Payments and Transfers
Select Payment Overview
Select the payment you wish to authorise
Select Authorise Payment

To authorise with card and reader

Insert you card into the reader or press ON and press Respond
Enter the card PIN
Press OK
Enter the Security Code shown on screen in to the reader. Please check that the last 4 digits of the account number you are making the payment to match the last 4 digits of the security code displayed on screen. In the unlikely event that these do not match, log off and contact the Coutts Digital Helpdesk immediately on +44 (0) 20 7770 0000
Press OK
Enter the Authorisation number from the reader in to the screen
Select Authorise

To authorise with CouttsID

Ensure you have your enrolled mobile phone
Select Authorise with CouttsID
Enter the password you use to log in to Coutts Online
A message will be received on the registered device
Press Authorise to authorise the changes or Reject to authorise later.

To authorise multiple payments

Select Payments and Transfers
Select Payment Overview
Select Authorise
Select the check box next to date of payment to select all payments or select them individually
Select Authorise

To authorise with card and reader

Insert you card into the reader or press ON and press Respond
Enter the card PIN
Press OK
Enter the Security Code shown on screen in to the reader
Press OK
Enter the Authorisation number from the reader in to the screen
Select Authorise

To authorise with CouttsID

Ensure you have your enrolled mobile phone
Select Authorise with CouttsID
Enter the password you use to login to Coutts Online
A message will be received on the registered device advising how many payments are to be authorised
Press Authorise to authorise the changes or Reject to authorise later.

The payments have now been authorised and will processed unless they are pending for a future date or subject to additional approval.

How do I authorise a payment that I entered today?

To authorise a single payment that you entered today

Select Payments and Transfers
Select Payment Overview
Select Entered Today from the predefined filters on the left hand side of the page
Select the payment you wish to authorise
Select Authorise Payment

To authorise with card and reader

Insert you card into the reader or press ON and press Respond
Enter the card PIN
Press OK
Enter the Security Code shown on screen in to the reader. Please check that the last 4 digits of the account number you are making the payment to match the last 4 digits of the security code displayed on screen. In the unlikely event that these do not match, log off and contact the Coutts Digital Helpdesk immediately on +44 (0) 20 7770 0000
Press OK
Enter the Authorisation number from the reader in to the screen
Select Authorise

To authorise with CouttsID

Ensure you have your enrolled mobile phone
Select Authorise with CouttsID
Enter the password you use to log in to Coutts Online
A message will be received on the registered device
Press Authorise to authorise the changes or Reject to authorise later.

To authorise multiple payments

Select Payments and Transfers
Select Payment Overview
Select Authorise
Select the check box next to date of payment to select all payments or select them individually
Select Authorise

To authorise with card and reader

Insert you card into the reader or press ON and press Respond
Enter the card PIN
Press OK
Enter the Security Code shown on screen in to the reader
Press OK
Enter the Authorisation number from the reader in to the screen
Select Authorise

To authorise with CouttsID

Ensure you have your enrolled mobile phone
Select Authorise with CouttsID
Enter the password you use to login to Coutts Online
A message will be received on the registered device advising how many payments are to be authorised
Press Authorise to authorise the changes or Reject to authorise later.

The payments have now been authorised and will processed unless they are pending for a future date or subject to additional approval.

How do I authorise multiple payments?

Select Payments and Transfers
Select Payment Overview
Select Authorise
Select the check box next to date of payment to select all payments or select them individually
Select Authorise

To authorise with a card and reader

Insert your card into the reader or press ON and press Respond
Enter the card PIN
Press OK
Enter the Security Code shown on screen in to the reader
Press OK
Enter the Authorisation number from the reader in to the screen
Select Authorise

To authorise with CouttsID

Select Authorise with CouttsID, enter the password you use to log in to Coutts Online and a message will be sent to your mobile device. You will need to open the app to view the message, The message will state the number of payments to be authorised
Select Authorise on the message received. The payments are now authorised and a message will be displayed on your desktop screen advising this.

The payments will be processed unless they are pending for a future date or subject to additional approval.

How do I Authorise Payments to new payees with CouttsID?

After entering the payment details you will be asked to confirm and authorise the payment. To do this you will need to complete the following steps and have your CouttsID enrolled mobile to hand:

Select Next on the Confirm payment instructions
Select Authorise with CouttsID on the Authorise your transaction. Enter the password you use to log in to Coutts Online and a message will be sent to your mobile device. You will need to open the app to view the message, which can be completed by selecting the notification received.
Select Authorise on the message received

The payment is now approved and a message will be displayed on your desktop screen advising this.

How do I use my smartcard and reader to authorise a payment?

To authorise a payment using your card and reader

Insert your card into the reader or press ON and press Respond
Enter the card PIN
Press OK
Enter the Security Code shown on screen in to the reader - Please check that the last 4 digits of the account number you are making the payment to match the last 4 digits of the security code displayed on screen. In the unlikely event that these do not match, log off and contact the Coutts Digital Helpdesk immediately on +44 (0) 20 7770 0000
Press OK
Enter the Authorisation number from the reader in to the screen
Select Authorise

The payments have now been authorised and will processed unless they are pending for a future date or subject to additional approval.

When I authorise a payment with my reader and card, the response code on the reader has gaps in it. should I include these in the response?

No, ignore the gap (blank space)

Why can?t I authorise a payment awaiting authorisation?

The payment overview screen displays all payments that are pending, waiting for the due date or are in need of attention. Payments that are in need of attention may need authorising if the money is being sent to a new payee or they may need approving before they can be processed. You are only able to authorise payments according to your user permissions and these payments will be highlighted with this icon

If you cannot authorise a payment it will be because you do not hold the permissions that enable you to carry out this process and you should refer to your administrator.