What is the consequence of opting back in for bulk payments?

If you opt back in for bulk payments, you will be required to handle all individual Verification of Payee (VoP) responses before payments can proceed.

• FX360: Clients submitting a multiple-payments file would need to review VoP results for each payment (e.g., no match, close match). In case of a close match, they must amend the payee name before the payment can continue.
• MassPay: Similarly, clients submitting bulk files would receive a VoP response for every single payment via webhook or acknowledgement. For example, a batch of 600 payments would generate 600 individual responses, each needing review. If a payee name requires change (close match), the client would need to cancel that payment, correct the details, and re-add it to the batch. This introduces significant operational overhead and delays.