Open Banking User Guide
As an administrator, you will have received an email from firstname.lastname@example.org to set up your username and password. Once you have set up your password and logged in to PTX Account Visibility, the next step is to add an account.
The first step is to select your bank from the popular banks detailed on screen or enter the name of your sponsoring bank into the search bar.
This will then direct you to your sponsoring bank’s Open Banking portal where you need to follow the steps to gain consent to view your bank statements in PTX Account Visibility.
Each bank has its own process for setting up Open Banking and therefore timescales may vary from bank to bank. Once consent has been granted, you will see the bank accounts you have consented to and you can then view your bank statements on screen.
Within PTX Account Visibility, you can change the name that appears for a bank account to make it easier to identify each account.
To do this, click on Account visibility on the header toolbar, select Bank accounts from the drop-down list. If you have more than one bank account, click on the bank icon associated to the bank account you wish to rename. This will bring up a list of all of the accounts associated to that bank. Click the actions button (…) on the right hand side of the screen of the bank account you wish to rename and select Edit account name. You can now choose a name more relevant to the end user.
If for any reason you wish to revoke access to a particular bank or remove a bank account, then this can be done from the main Accounts screen.
To do this, click on Account visibility on the header toolbar, select Bank accounts from the drop-down list. If you have more than one bank listed, click on the bank icon associated to the bank or bank account you wish to revoke. Click the actions button (…) on the right hand side of the screen of the bank or bank accounts you want to delete and select Delete. This removes all stored data for that bank account and can be re-added following the steps above for adding a bank account.
To utilise PTX Account Visibility you must provide your consent for the service to collect your statement data for you. If this consent expires, it will need to be reauthorised before statement data can continue to be collected.
You can view your current consented accounts by clicking the settings cog in the top right corner of your screen and selecting Consent review. This screen will display the banks you have currently consented to within PTX Account Visibility, along with the status and date of expiry.
From this screen, you can both revoke or reauthorise consent for each bank account by click on the actions button (…) on the left hand side of the screen. By reauthorising consent before it expires, there will be no interruption to your use of PTX Account Visibility.
You can also tell when the consent for an account will run out on the main Accounts screen. This is shown in the main row for each bank under the heading OB consent expires on.
The administrator will have the ability to set up new roles and users in PTX Account Visibility. Roles allow you to control which bank accounts your users can view.
To add a role, click on the settings cog in the top right of the page and select Roles from the drop-down menu.
As you will see, the AllPerm role has been created. This role allows full access to all bank statements, including those which may be added in future.
If you would like to restrict users to allow them to only view specific bank statements you can set up a new role.
To set up a new role, click New role from within the Roles screen. This will bring up the Create role screen. You will be asked to enter a Role name and you can then select the permissions you wish to associate to this role.
Click on Restrict to one or more accounts. This will bring up a list of your bank accounts and from here, you can tick the bank accounts you wish the role to be able to access.
Once you have created your role and the required permissions, click Save role. Your new role will then appear under the Roles page and can be assigned to different users.
If you wish to delete a role, you can click View next to the relevant role and Delete role at the bottom of the screen. Alternatively, select the down arrow next to View and you can click Delete.
Once you have created your role you can add users. Navigate to the settings cog at the top right of the screen and select Users from the drop-down menu on the left hand side under Management. This will be where your users in the system will be listed.
To add a new user click New user and enter the new user’s details as prompted on screen.
Navigate down the page to where it states Modules and under Allow access to this module, where it states off, click on to enable this user to access PTX Account Visibility.
From here, you can select the role that you want to assign to the user. If you want the user to be an administrator of the system, tick the box next to Administrator.
Selecting administrator permissions enables the user to review consent and set up roles. If the user is required to set up users or edit, as well as set up roles, they will need to have the Manage users permissions and Administrator permissions which would enable the user to review consent, set up roles and users. To set the user up with manage user permissions tick the box next to Manage Users.
Once you have completed all of these steps, click Create user. This will add your user to the list of users set up in the system.
To edit a user’s details, the settings cog at the top right of the screen and select Users from the drop-down menu on the left hand side under Management. From the list of users, click on the email address of the user whose details you want to edit.
At the bottom of the page select Edit user details, this will take you to the User details where you can make the required changes. Once you have made the updates click Save changes.
To remove a user, select the settings cog at the top right of the screen and select Users from the drop-down menu on the left hand side under Management. This will be where your users in the system will be listed.
Next to the users email address where it states Action you will see an arrow to a drop down list. From here you can select Delete and this will delete the user. With immediate effect, the user will no longer have access to Account Visibility.
In order to collect your latest Open Banking statement, you will need to refresh the bank account. There are two ways you can do this from the Bank accounts screen. Either click the actions button (…) on the right hand side of the screen next to the relevant bank account and select Update all accounts or click the Update balances button which appears as a refresh symbol () next to the bank account you wish to refresh. Both of these methods will collect your most up-to-date information for that bank account.
Statement scheduling allows you a hands-free download of Open Banking statements via an automated scheduling system, at intervals you can set yourself.
Statement scheduling is accessed via the settings cog in the top right of the screen. Click on Statement schedule from the drop-down list. From this screen, you can set up to four different times for PTX Account Visibility to automatically refresh your connected statements. Once you have made your selection, click Save schedule.
One of the key features of PTX Account Visibility is the powerful search capability, allowing you to pinpoint transactions across multiple bank statements and multiple bank accounts.
The search tool can be accessed from the main toolbar within PTX Account Visibility. Click on Account visibility on the header toolbar, select Search and enter your search criteria.
Alternatively, you can search from within a statement. Select Statements from the drop-down list from the Account visibility main toolbar and simply enter the term you are looking to find in the search bar at the top of the statement page. PTX Account Visibility will search either a particular statement or all of your bank accounts, to find any transaction which matches that specific search term.
Once you have found the transaction in question, you can click on this record and it will open up within the statement and account it is in.
PTX Account Visibility also allows you to export and print your statement data in a consistent format.
From the main toolbar, navigate to the Statements screen by selecting Statements in the drop-down list from Account visibility. Navigate to the statement you wish to export and print and click on the actions button (…) on the left hand side of the bank statement. Click this and you’ll be given the option to Export PDF or Export CSV.
Exporting to CSV allows you to import your data directly into your accounting software package for digital reconciliation, if your accounting software can accept this format, whereas printing by PDF allows reconciliation by hand.
For these documents printed as a PDF, we have added a tick box to the left of each transaction within a statement to aid you with reconciliation. We have included this feature to omit the need for the highlighter or ruler when you’re highlighting or crossing off a transaction as reconciled.