SFTP Setup

EFTXpress SFTP Resources

SFTP (Secure File Transfer Protocol) in EFTXpress is to provide a secure and efficient method for transferring EFT data, between EFTXpress and your banking or financial institution automatically.

When you set up an EFT (Electronic Funds Transfer) server, you create a centralized hub within your financial system, like Cashbook. This server plays a pivotal role in the smooth flow of EFT data between your organization and your bank.

EFTXpress supports SFTP with password, with Key File and with 2 factor authentication. (See table below for more information)

If the bank allows you can upload directly to their SFTP site or you can use this option internally.

If you select encryption, the file will be encrypted before it is uploaded.

Output

There are different methods of file transfer and authentication to cater to various security and usability needs, allowing users to choose the most suitable approach for their specific requirements.

Note: You cannot change the destination while you have a provisionally posted batch. You must ensure all EFT batches are posted.

Note: You cannot duplicate your Host IP Address and Username between bank setups.

See the table below for how to setup each output method.

Output	Setup
Destination	Local Refers to storing the data to your own computer or network. On Premise will write the file to the directory setup in Export Path. Web UIs will download the file to the default download directory, E.g ..User\Downloads. SFTP with Password Securely transfer data using a username and password for added protection. SFTP with Key File Enhance security with cryptographic keys instead of passwords. E.g C:\SFTPKeys\Nedbank\id_rsa SFTP 2FA Boost security with two-step authentication for extra protection.
Host IP Address	Hostname or IP address of the SFTP server
User	Login User Name
User Password	Enter the Password applied to the SFTP user. This is recommended to protect the file, but is optional
Private Key File	Full path and name of the private key file. E.g C:\SFTPKeys\Nedbank\id_rsa Message: "Invalid Private Key File [%s]. File not found. Please select a valid SFTP Private Key file. Ensure the user has read/write access to this directory." Should you encounter the message 'Invalid Private Key File,' it signifies that the selected SFTP Private Key file cannot be located. To resolve this, please ensure that the Private Key file is located in a directory that is both accessible and readable. Additionally, verify that the file exists in the designated directory. This step is crucial to ensure the smooth operation of your SFTP connection. If you face any challenges, our support team is here to assist you in resolving this matter.
Key Password	Enter the password used to create the key
Port	Defaults to 22 but can be configured to run on nearly any port
Upload Directory	Upload directory required by bank.
Obtain Response File from Bank	To receive a response file from the bank based on your EFT Export file before the posting takes place, select "Obtain Response File from Bank." After uploading the file to the SFTP site, you'll await a response from the bank. The response file will indicate the number of entries posted and the number of rejected/incorrect entries. Incorrect entries will be placed in an error batch for you to edit, correct, and repost. Note: The "Generate" function is not available for EFT batches that require a response file. Using "Generate" for response EFT batches could lead to duplicates. This functionality is not supported for banks that mandate response files.
Penny Test	A penny test is a small-scale test transaction to ensure that your setup is functioning correctly. A penny test reminder will continue to appear until you've performed the test.
Response Directory	This directory is where you want the response file to be saved. Typically, your bank will supply the specific directory path (e.g., /inbox).
Test	If no connection is established while testing, the connection timeout is around 30 seconds.

Response

A "response file" is a critical component of the data exchange process. It serves as a direct reply from your bank or financial institution, providing valuable information regarding the status of your submitted SFTP file, often associated with batch processing. The response file typically contains information about the outcome of the batch or transaction processing initiated by the SFTP file you sent to your bank. It informs you whether the transactions within the batch were successfully processed, encountered errors, or require further attention.

Sending the response file promptly is crucial to the efficient processing of your financial transactions. We recommend initiating the response file within 5 to 10 minutes after your initial request.

In the event that any delays or issues arise, it's advisable to reach out to your bank for guidance and resolution before considering any overrides or manual interventions. This proactive approach ensures that your financial data remains on track and minimizes the potential for disruptions in the transaction processing flow.

Field	Value
Override Response Retrieval	When selecting to post again and the response file is still being processed, you have the choice to override the response file. This means that you're manually instructing Cashbook to proceed with posting despite the ongoing response file process. This is not recommended. **If this option is selected, you will be prompted to confirm this action.
HH:MM	Set how often the system checks for the response file. (This setting should be set to be within 5-10 minutes. If the file is not retrieved within 2 hours we advise you reach out to your bank for guidance.)
Post Multiple EFT Batches	Selecting this option enables you to post multiple EFT batches simultaneously. However, please make sure to retrieve the response file before initiating another multiple post, as Peresoft cannot guarantee the successful processing of the batch without response files being retrieved.
Auto Post	Select this option if you want the program to automatically check for a response file from Batch List. This option is not available in the Web UI’s
Time Interval Minutes	Set the time interval for the auto posting. Please Note: The timer only runs when the Batch List screen is open. The timer is only available for the posting of single batches posted from Batch List. i.e. it will not work from Post Form or Batch Entry.
Maximum Attempts	Set the maximum attempts to attempt auto posting