Overview
This guide provides step-by-step instructions for making a payment to a CBD Credit Card through the iBusiness Web Portal.
The payment is processed as a Single Local Transfer, where the CBD credit card number is entered and validated before the payment is submitted.
Step 1: Navigate to Local Transfers
- Log in to iBusiness.
- Navigate to: Payments & Transfers ➜ Transfers ➜ Initiate Transfer
Select: Single Transfer ➜ Local Transfer
Step 2: Enter the CBD Credit Card Details
- Click Enter Details Manually.
- Enter the CBD Credit Card Number.
- Click Validate to verify the card number.
- Once validation is successful, enter the Beneficiary Name.
- Click Continue.
Important: Verify the credit card number before proceeding. Payments submitted using an incorrect card number may be delayed or rejected.
Step 3: Enter Payment Details
Complete the required payment information.
Account Information
- Debit Account – The account from which the payment amount will be deducted.
- Transfer Account – The validated CBD credit card account receiving the payment.
Additional Information
- Debit Reference(Optional) – Internal reference for your records.
- Credit Reference(Optional) – Reference that may be associated with the card payment.
- Supporting Documents(Optional) – Upload supporting documents if required.
- Payment Date – Select the date on which the payment should be processed.
Optional Features
- Save as Template – Save the payment details for future use. learn More
- Save as Draft – Save the transaction and complete it later. Learn More
After completing all mandatory fields, click Continue.
Future-Dated Transfers
You can schedule the payment for a future date.
If There Are Insufficient Funds
If the selected account does not currently have sufficient funds, the system will display a warning message.
Key Points
- The payment can still be submitted.
- Ensure sufficient funds are available before the payment date.
- If funds are not available on the payment date, the payment may not be processed.
If the Payment Is Scheduled Successfully
The system will display a confirmation message confirming that the payment has been scheduled.
Key Points
- The payment has been scheduled successfully.
- Funds are not reserved when the payment is created.
- Ensure sufficient funds are available on the payment date.
Best Practice: Keep sufficient funds in the debit account before the scheduled payment date to avoid delays or failed payments.
Step 4: Review and Submit
Before submitting the payment:
- Review all beneficiary details.
- Review all payment details.
- Verify:
- Credit card number
- Beneficiary name
- Debit account
- Payment amount
- Payment date
- Enter an Internal Note if required (optional).
- Click Submit.
Important: Carefully review all details before submitting the payment, especially the credit card number and payment amount.
Step 5: Authenticate the Transaction
Complete authentication using one of the following methods:
iBusiness App Authentication
- Approve the request through the CBD iBusiness Mobile App.
- Complete biometric authentication.
Google Authenticator
- Open the Google Authenticator application.
- Enter the generated One-Time Password (OTP).
Step 6: Confirmation
Once authentication is completed successfully:
- The payment request will be submitted for processing.
- A confirmation screen will be displayed.
- A transaction reference number will be generated for tracking purposes.
Support Notes / Best Practices
- Verify the CBD credit card number before validating the beneficiary.
- Confirm the beneficiary’s name matches the intended cardholder.
- Ensure sufficient funds are available in the selected debit account.
- Use Save as Template for recurring card payments.
- Retain the transaction reference number for future tracking and support enquiries.