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Skrill Merchant PortalMass Payments GuideThis guide describes how to use the Mass Payment service.www.skrill.comVersion 2.2Paysafe Holdings UK Limited, 25 Canada Square, Canary Wharf, London, E14 5LQ, UK
Skrill Merchant Portal Mass Payments Guide – 2.2Copyright 2021 Paysafe Holdings UK Limited. All rights reserved.Skrill is a registered trademark of Paysafe Holdings UK Limited and is licensed to Skrill USA, Inc., SkrillLimited and Paysafe Payment Solutions Limited (collectively, the “Paysafe Companies”). Skrill USA Inc.is a Delaware corporation, company number 4610913, with a business address of 2 S. Biscayne Blvd,suite 2630, Miami, Florida, 33131. It is a licensed money transmitter, registered with FinCEN andvarious states across the US. The Skrill Visa Prepaid Card is issued by Community Federal SavingsBank, member FDIC, pursuant to a license from Visa . Skrill Limited is registered in England and Wales,company number 04260907, with its registered office at 25 Canada Square, London E14 5LQ. It isauthorized and regulated by the Financial Conduct Authority under the Electronic Money Regulations2011 (FRN: 900001) for the issuance of electronic money. Paysafe Payment Solutions Limited trading asSkrill, Skrill Money Transfer, Rapid Transfer and Skrill Quick Checkout is regulated by the Central Bankof Ireland. Paysafe Payment Solutions is registered in Ireland, company number 626665, with itsregistered office is Grand Canal House, Upper Grand Canal Street, Dublin, 4DO4 Y7R5, Ireland. The SkrillPrepaid Mastercard is issued by Paysafe Financial Services Ltd in selected countries and by PaysafePayment Solutions Limited as an affiliate member of Paysafe Financial Services Limited in selectedcountries pursuant to a license from Mastercard International. Mastercard is a registered trademarkof Mastercard International.The material contained in this guide is copyrighted and owned by Paysafe Holdings UK Limited togetherwith any other intellectual property in such material. Except for personal and non-commercial use, nopart of this guide may be copied, republished, performed in public, broadcast, uploaded, transmitted,distributed, modified, or dealt with in any manner at all, without the prior written permission ofPaysafe Holdings UK Limited and then, only in such a way that the source and intellectual propertyrights are acknowledged.To the maximum extent permitted by law, none of Paysafe Holdings UK Limited or the PaysafeCompanies shall be liable to any person or organization, in any manner whatsoever from the use,construction or interpretation of, or the reliance upon, all or any of the information or materialscontained in this guide.The information in these materials is subject to change without notice and neither Paysafe Holdings UKLimited nor the Paysafe Companies assume responsibility for any errors.Skrill Ltd.Registered office: Skrill Limited, 25 Canada Square, Canary Wharf, London, E14 5LQ, UK.Version Control TableDateVersionDescriptionApril 20152.0New guide created for the new payment interface.July 20152.1Added section 3.2 Customer Withdrawal Fees to the Appendicesto clarify withdrawal fees when a customer does not have a bankaccount in one of the following currencies:EUR, GBP, USD, DKK, RON, CZK, HUF, PLN, SEK, CAN, SGD, CHF,NZD, BGN, AUD, NOKPage 2
Skrill Merchant Portal Mass Payments Guide – 2.2February 20212.2New mass payments guide for the Skrill Merchant Portal.Page 3
Skrill Merchant Portal Mass Payments Guide – 2.2Skrill Merchant Portal Mass Payments Guide1. ABOUT THIS GUIDE . 51.11.21.31.4Objectives and target audience . 5Related documentation . 5Conventions used in this guide . 5Prerequisites . 52. Skrill Merchant portal . 63. Mass Payments . 73.13.23.33.43.5Prerequisites . 7Mass Payments using a Payment File . 8Mass Payment – Transaction Statuses . 11Mass Payment Error Scenarios . 12Transfer with an API Request (Standalone Credits) . 124. APPENDICES . 134.1 ISO 4217 currencies . 134.2 Languages supported by Skrill . 134.3 ISO country codes (3-digit) . 135. GLOSSARY . 18Page 4
Skrill Merchant Portal Mass Payments Guide – 2.21. ABOUT THIS GUIDE1.1 Objectives and target audienceThis document can be used as a reference in using the Mass Payments section of the Skrill MerchantPortal. This guide does not cover payments using the Skrill Automated Payments Interface (API).1.2 Related documentationAlong with this guide, you can use the following Skrill documents to understand about the SkrillMerchant Portal.GuideDescriptionAutomated Payments InterfaceGuideSkrill Payment GatewayIntegration GuideDescribes how to connect to Skrill using the AutomatedPayments Interface (API). This supports functionalities such asmerchant queries against the system, sending money, andprocessing refunds. You will need a working knowledge ofHTML and XML and an understanding of how to send andreceive information using these protocols.Describes how to connect to and customize the Skrill PaymentGateway.Skrill Account MerchantAdministration GuideDescribes how to set up and administer a Skrill merchantaccount, including how to share it with other users.Table 1-1: Related Documentation1.3 Conventions used in this guideThe following table lists the text conventions used in this guide.ConventionDescriptionCode exampleIndicates a reference to another section in this guide. For example,refer to User Administration on page 34.Used to illustrate example code, functions, and commands.File pathUsed to indicate a file path or folder structure.GlossaryGlossary termMenu1 Menu option2 Indicates a menu path.ReferenceTable 1-2: List of Conventions1.4 PrerequisitesYou must complete the merchant setup process to access the various features of the Skrill Merchant Portal. Tocomplete this process, reach out to your Account Manager or send an email to merchantservices@skrill.com.Page 5
Skrill Merchant Portal Mass Payments Guide – 2.22. SKRILL MERCHANT PORTALThe Skrill Merchant Portal provides you a single interface to manage your digital wallet accounts. Usingthe portal, you can manage digital wallets and the associated transactions. In this portal, you can alsoperform actions like transfer money instantly to an account, exchange money between wallets, sendmoney to multiple recipients at once, import funds to wallets, view balances / reserves, and withdrawmoney to a bank account, and so on. Following is a list of transactions supported by the MerchantPortal. Send money. Make payments to multiple customers. Upload money Exchange money Withdraw money to your bank account. Switch between your accounts Manage your bank accounts. Manage your account balances. Search, filter, and view transactions Check bank transfers from other accounts. Create and manage users. Configure your wallet account and API security settings. Contact Merchant Services Team and get help.Page 6
Skrill Merchant Portal Mass Payments Guide – 2.23. MASS PAYMENTSThe Mass Payment service enables you to make payments from your Skrill account to multiple recipients.The Mass Payments service should be enabled on your account before using this feature. Once thefeature is enabled, you can see the Mass Payment button from the Home page Quick Links or fromTransfers Mass Payments. To use the Mass Payments service, a payment file must be created with thedetails of recipients.Figure 3-1: Quick LinksSkrill Merchant Portal supports the following pay-out options:1. Pay-outs using the Mass Payments option with a payments file . You can send as many varyingamounts as required to hundreds of payment recipients at a time in a choice of 40 currencies(no integration is required). This method supports a maximum of 3000 payments per batch.Prepare a Payment FileUpload the Payment FileMass Payment will be processed2. Using a HTTPS API Request (standalone credits) - Automate your mass payments with Skrill.This advanced option, via an API interface, supports unlimited payments in varying amountsand different currencies. (Integration required). See the Automated Payments Interface guidefor more details.3.1 PrerequisitesBefore using the mass payment feature in the Skrill Merchant Portal, you should ensure you have anapplication that can create worksheets in Microsoft Excel or CSV format.Read through the following payment file restrictions if you encounter any errors in the mass paymentprocess.o If the number of records in the payment file exceeds 3000 or if the file’s size exceeds 5MB, then the file will not be processed, and an error is displayed.o If you attempt to upload a file with the same name as a previous file uploaded inthis account, it will be rejected as a duplicate.o A new line character must replace row data.Page 7
Skrill Merchant Portal Mass Payments Guide – 2.2ooEach item in a row can be separated from the previous item using a tab, comma, orsemi‐colon character. No other delimiters are allowed.If you choose a payment currency that is different from the currency used by yourSkrill account, then an exchange conversion fee will apply. Each merchant can seethe FX fee applicable for their account in the Fee Schedule they had signed duringthe onboarding process. For example, if you have a GBP Skrill account and thepayment is sent in EUR, the currency conversion fee will be applicable in your case.3.2 Mass Payments using a Payment FileYou can create a payment file containing details of all the recipients you want to pay.To prepare a Mass Payment file:1. Use an application like Microsoft Excel and create a blank worksheet.2. Save the file as comma-separated values CSV file (.csv).3. Add the details of the payment’s recipients in the following format. The file must contain thefollowing columns:1st Column(Mandatory)2nd Column(Mandatory)3rd Column (Mandatory)4th Column (Optional)E‐mail addressor customer IDCurrencyAmountReference Number ortext. This column isused for an internalpayment referencenumber or otherinformation.A 3‐letter ISO4217 currencycode. For a list ofsupportedcurrencies, see“ISO 4217currencies” Do not include thetrailing zeroes after thedecimal point. Forexample, 39.68, 39.6,and 39.The length of yourreference numbershould not exceed 32characters, includingspaces. Do not use a digit groupseparator to separatethe thousands from therest. You must use thefull stop (period symbol)as the decimal point toseparate the whole andfractional parts. Forexample, a sum of 12thousand Euros and 45cents must be written as12000.45. A maximum of twodigits is allowed afterthe decimal point. Two currencies arelimited to wholeamounts only: HUF andJPY.Page 8
Skrill Merchant Portal Mass Payments Guide – 2.2Table 3-1: Mass Payment FieldsFollowing is an example of the payment file. Note the commas separating records as the file issaved in comma separated format (CSV).Figure 3-2: Example of a CSV file3.2.1Uploading the payment fileAfter you have prepared the mass payment file, upload the file using Mass Payments option:1. Login to your Skrill account.2. Click the Mass Payment option from the Quick Links menu. You can optionally add a message tothe payments/transactions by selecting the Message option. This message will be displayed in theemail the recipients receive.3. Select a Currency Account.4. Click Browse and select the CSV or text file or drag the same file into the Drag and Drop/browsethe file here field and drop it.Table 3-2: Mass payment ‐ choose file and enter details.5. Click Next. Once the payment file is uploaded, you can see the list of recipient details on thescreen. The screen provides a preview of both valid transactions and transactions with errors. Italso includes the total amount to be sent from your account and the total fees (calculated in thePage 9
Skrill Merchant Portal Mass Payments Guide – 2.2currency of your Digital Wallet account). Each merchant can see the FX fee applicable for theiraccount in the fee schedule they have signed during the onboarding process.Figure 3-3: Mass payments transfer details.6. From the From Account list, select the currency account.Figure 3-4: From Account drop-down list Check if the payment details are correct. To make changes click Cancel and update theCSV file and upload again. If there are any errors in the payment file, the Mass Payment module does not allowyou to proceed further. If there are insufficient funds in the wallet, then you can proceed further. Select awallet with sufficient funds.7. Click Confirm & Process. Once the file is processed, the Receipt page appears. The Receipt page shows a whole list of transactions and a status for each transaction;for information about the different status values (See Table 3-3: List of PaymentTransaction Status Values below for information about the different status values). If you get any errors during the mass payments procedure, see Mass Payment ErrorScenarios section for more information.Page 10
Skrill Merchant Portal Mass Payments Guide – 2.2Figure 3-5: Receipts page example3.3 Mass Payment – Transaction StatusesStatusDescriptionProcessedPayment has been made and received in the recipient’saccount.ScheduledPayment is scheduled to occur but has not been completed.This generally occurs in the following scenarios: The recipient does not have a Skrill account. They will besent an email inviting them to join. Once they join, theymust manually accept the payment. The recipient does not have auto-accept paymentsenabled for their account and must manually accepteach payment.If payment is not accepted within 14 days, then it will bereverted to the sender’s account.ProcessingThe payment transaction has started but is not completed.Refresh the browser to re‐check the status.Page 11
Skrill Merchant Portal Mass Payments Guide – 2.2ErrorAn error occurred when attempting to make the payment.For the lack of funds, the status is “not enough balance” asstated below in the same table.LockedA system error occurred.Not enough balanceInsufficient funds in the user’s account to make the payment.Table 3-3: List of Payment Transaction Status Values3.4 Mass Payment Error ScenariosScenarioError MessageIf the available funds within the primaryaccount are low, an exception error isprompted.You have insufficient funds to complete thisMass Payment. Please upload funds to youraccount to continue.System checks for emails that do not have aSkrill account linked to it. The exceptionmessage is shown stating that funds will bescheduled and reserved from your primaryaccount. This is done based on the region ofthe recipient account. The transaction can alsobe declined as it might not be supported, inwhich case it will be reversed.This email does not have a Skrill account. Thepayment will be marked as Scheduled until anaccount is created and the payment is accepted.If you upload a Mass Payment file containingpayments with a total value that exceeds yourbalance, you will not be shown a warning onthe Preview page. Transactions will beprocessed while there are enough funds in youraccount; all subsequent transactions will fail.Not enough balanceTable 3-4: Mass Payment Error Scenarios3.5 Transfer with an API Request (Standalone Credits)You can also make mass payments using the Skrill Automated Payments Interface (API). It enablesyou to automate the sending of payment details from your servers to Skrill using an HTTPS request.See the Automated Payments Interface guide for more information.Page 12
Skrill Merchant Portal Mass Payments Guide – 2.24. APPENDICES4.1 ISO 4217 currenciesEUREuroQARQatari RialUSDU.S. DollarSARSaudi RiyalGBPBritish PoundTWDTaiwan DollarHKDHong Kong DollarTHBThailand BahtSGDSingapore DollarCZKCzech KorunaJPYJapanese YenHUFHungarian ForintCADCanadian DollarBGNBulgarian LevaAUDAustralian DollarPLNPolish ZlotyCHFSwiss FrancISKIceland KronaDKKDanish KroneINRIndian RupeeSEKSwedish KronaKRWSouth‐Korean WonNOKNorwegian KroneZARSouth‐African RandILSIsraeli ShekelRONRomanian Leu NewMYRMalaysian RinggitHRKCroatian KunaNZDNew Zealand DollarJODJordanian DinarTRYNew Turkish LiraOMROmani RialAEDUtd. Arab Emir. DirhamRSDSerbian DinarMADMoroccan DirhamTNDTunisian DinarTable 3‐2: ISO 4217 Currencies accepted by Skrill4.2 Languages supported by SkrillSkrill supports the following languages (2-character ISO dishTurkishESSVTR4.3 ISO country codes (3-digit)Skrill does not accept customers from the following countries: Afghanistan, Cuba, Eritrea, Iran, Iraq,Japan, Kyrgyzstan, Libya, North Korea, Sudan, South Sudan, and Syria.Page 13
Skrill Merchant Portal Mass Payments Guide – 2.2Aland IslandsALAChristmas IslandCXRGuernseyGGYAlbaniaALBCocos (Keeling)IslandsCCKGuineaHTIAlgeriaDZACongo, theDemocratic RepublicCODGuinea-BissauHMDAmerican SamoaASMCook IslandsCOKGuyanaVATAndorraANDCosta RicaCRIHaitiGINAngolaAGOColombiaCOLHeard Island andMcDonald IslandsGNBAnguillaAIAComorosCOMHoly See (Vatican CityState)GUYAntarcticaATACongo, Republic ofCOGHondurasHNDAntigua and BarbudaATGCote d'IvoireCIVHong yprusCYPIcelandISLArubaABWCzech inicaDMAIsle of ManIMNBahamasBHSDominican ngladeshBGDEgyptEGYJamaicaJAMBarbadosBRBEl SalvadorSLVJapanJPNBelarusBLREquatorial nyaKENPage 14
Skrill Merchant Portal Mass Payments Guide – 2.2BermudaBMUFalkland Islands(Malvinas)FLKKiribatiKIRBhutanBTNFaroe IslandsFROKorea, Republic ofKORBoliviaBOLFijiFJIKuwaitKWTBosnia andHerzegovinaBIHFinlandFINLao People'sDemocratic RepublicLAOBotswanaBWAFranceFRALatviaLVABouvet IslandBVTFrench GuianaGUFLebanonLBNBrazilBRAFrench PolynesiaPYFLesothoLSOBrunei DarussalamBRNFrench BLiechtensteinLIEBurkina arMDGCape VerdeCPVGreeceGRCMalawiMWICayman IslandsCYMGreenlandGRLMalaysiaMYSCentral temalaGTMMarshall IslandsMHLMartiniqueMTQPuerto RicoPRITokelauTKLMauritaniaMRTQatarQATTongaTONPage 15
Skrill Merchant Portal Mass Payments Guide – 2.2MauritiusMUSReunionREUTrinidad and ssian FederationRUSTurkeyTURMicronesia,Federated States ofFSMRwandaRWATurkmenistanTKMMoldovaMDASaint HelenaSHNTurks and CaicosIslandsTCAMonacoMCOSaint Kitts and NevisKNATuvaluTUVMongoliaMNGSaint LuciaLCAUgandaUGAMontenegroMNESaint Martin (Frenchpart)MAFUkraineUKRMontserratMSRSaint Pierre andMiquelonSPMUnited Arab EmiratesAREMoroccoMARSaint Vincent and theGrenadinesVCTUnited KingdomGBRMozambiqueMOZSamoaWSMUnited StatesUSAMyanmarMMRSan MarinoSMRUnited States MinorOutlying IslandsUMINamibiaNAMSao Tome andPrincipeSTPUruguayURYNepalNPLSaudi atuVUTNetherlands AntillesANTSerbiaSRBVenezuelaVENNew CaledoniaNCLSeychellesSYCViet NamVNMNew ZealandNZLSierra LeoneSLEVirgin Islands, BritishVGBNicaraguaNICSingaporeSGPVirgin Islands, U.S.VIRNigerNERSlovakiaSVKWallis and FutunaWLFNigeriaNGASloveniaSVNWestern SaharaESHPage 16
Skrill Merchant Portal Mass Payments Guide – 2.2NiueNIUSolomon IslandsSLBYemenYEMNorfolk IslandNFKSomaliaSOMZambiaZMBNorthern MarianaIslandsMNPSouth AfricaZAFZimbabweZWENorwayNORSouth Georgia andthe South SandwichIslandsSGSSpainESPOmanOMNSri LankaLKAPakistanPAKSurinameSURPalauPLWSvalbard and JanMayenSJMPalestinian EPapua New GuineaPNGSwitzerlandCHEParaguayPRYTaiwan, Province ia, UnitedRepublic PortugalPRTTogoTGOPage 17
Skrill Merchant Portal Mass Payments Guide – 2.25. GLOSSARYThis section provides a description of some key terms used in this guide.TermDescriptionAutomated PaymentsInterface (API)The API is a collection of tools that enables merchants to executerequests to the Skrill Payment Gateway. For example: to send money,make 1‐tap payments, make refunds, check the status of transactions,and download reports.Cardholder FundsTransfer (CFT)Also called Credit Funds Transfer, is a method of transferring funds. Thefunds can be up to or more than the original transaction amount. Skrillmerchants or customers can arrange a CFT by transferring funds fromtheir digital wallet account to a credit card. There are some restrictions.Currently only a VISA card used for a successful gaming deposit isavailable for CFT payment. See also Credit.CreditCredit can be used by merchants to transfer money to the customer.Also known as Payouts / Payout of Winnings (PoW) and CardholderFunds Transfer (CFT). More than the original transaction amount can betransferred back to the customer. Mostly common in the gamblingindustry. Credit is only allowed on a credit card, which has been subjectto a charge before.Customer IDOn the Skrill Payment Platform, a merchant may be configured withmultiple customer IDs set up for different channels.(Not to be confused with the customerid field.)Customer services teamSkrill team responsible for end‐customer support queries.DescriptorA field descriptor is used in different contexts on the Skrill PaymentPlatform to enable merchants to pass descriptive information.Digital WalletProvides the electronic equivalent of a physical wallet that can holdseveral cards and payment methods linked to the wallet. Typically,customers login to their wallet account during an online transaction andauthorise the payment using one of the payment methods linked to theirwallet accountHTML POSTIntegration method where the merchant sends details to the SkrillPayment Platform using a standard HTML form that posts thisinformation in the HTML header.Page 18
Skrill Merchant Portal Mass Payments Guide – 2.2TermDescriptionIntegrationThe process undertaken by merchants to ensure their website orshopping cart can connect to and communicate with Skrill’s paymentprocessing systems.ISO country codesISO currency codesThree‐digit country code of the International Standards organisation(ISO) that identifies the country. For example, GBR stands for the UnitedKingdom. ISO country codes also exist in a two‐digit format.Three‐digit currency code of the International Standards Organisation(ISO) that identifies the currency. For example, GBP stands for BritishPound.MerchantSkrill customer (legal or natural person) using their Skrill solution toreceive payments for products or services they provide.Merchant PortalOnline portal used for account administration and transactionmanagement by merchants.Merchant ServicesteamSkrill team responsible for providing technical and service support tomerchants.My AccountMerchant account administration portal that enables viewing oftransactions and transferring funds.Payouts refer to payments made by merchants to customers, typicallyused in the online gambling industry.Payouts / Payout ofWinnings (PoW)Skrill offers a payout product that enables merchants to makeautomated payments from their digital wallet account to theircustomers’ digital wallet account. This can be used for paying employeesor payment of winnings to customers.See also Cardholder Funds Transfer (CFT) which provides an alternativemeans of making payouts.PaymentUnique financial record on the system. A payment may consist ofmultiple Transactions.Payment processingplatformA system used for processing eCommerce transactions.A request method supported by the HTTP protocol, which enables datato be sent to a web server. It is often used when uploading a file orsubmitting a completed web form.POST methodAs part of a POST request, data of any type can be sent to the server in amessage body. A header field in the POST request usually indicates themessage body's Internet media type.Real‐timeAn event that occurs instantly or within a short period, such as secondsor minutes. For a real‐time transaction, the customer, merchant or Skrillreceive a response to the transaction request while the customer is stillonline.Page 19
Skrill Mass Payments Guide – 1.0TermDescriptionSkrill Digital WalletSkrill’s Digital Wallet, enables customers to link cards and pay directlyfrom their wallet account using cards or bank transfer. Up to 4 paymentcards and ten bank accounts can be linked to a wallet account.Skrill Payment PlatformSkrill’s system for the processing of eCommerce payments.TransactionEach financial interaction with the Skrill Payment Platform is referred toas a transaction. Transactions are linked to payments.Transaction IDUnique ID assigned to a transaction by the Skrill Payment Platform.Transaction statusEach transaction on the Skrill Payment Platform is given a status. Thisincludes processed, pending, temporary, scheduled, cancelled, failed,chargeback, and successful.Page 20
Following is an example of the payment file. Note the commas separating records as the file is saved in comma separated format (CSV). 3.2.1 Uploading the payment file After you have prepared the mass payment file, upload the file using Mass Payments option: 1. Login to your Skrill account. 2. Click the Mass Payment option from the Quick Links .
