The payment flow within Zero Friction is built between incoming and outgoing bank transactions

1. Bank portal
​Go to the banking portal
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​2. Download CAMT.053/XML file
​This file contains the transactions with the period of your choice.
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​NOTE: Always download the bank file with the current date – 1 Day. This ensures you have all transactions from a specific day.
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3. Payments
​Go to the Payments tab
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4. Incoming
​Click on the Incoming tab

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5. Actions
​Click on actions at the top right

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6. Upload

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7. Interpreting file
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​8. Troubleshooting

9. Match
​Open the bank file and look at the Issues tab:

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Select each problem and click match:

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​All possible problems for resolving an incoming bank transaction:
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How does Zero Friction match incoming bank files?
​1. Zero Friction will automatically match (processing status) if:
* The reference corresponds 1 to 1
* The IBAN number and the amount must match exactly
2. Zero Friction will set a mutation to problem solving if:
* The reference does not match
* The amount differs from an outstanding invoice
* There is no IBAN available for the resident

Once a payment is linked to a specific IBAN number, ZF will propose linking this IBAN to the customer:

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​10. To be processed
​Once all issues have been resolved, the bank file will be listed as Processing
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​11. Actions
​Click on actions at the top right
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11. Processing
​Click on process:

12. Closed
The changes are now matched to the customer balance and to the invoices and the bank file has the status: Closed