End-to-end: from generating the ABA file in Navigator, uploading to your bank, processing the result, marking complete, and the remittance advice that goes out automatically.
A bank-transfer extract moves through six stages — five of them in Navigator, one of them at your bank.
Navigator only includes invoices that are genuinely ready to pay. Five eligibility checks run before the file is built.
Standard Australian Bankers' Association format — every Australian bank accepts it. One row per invoice, with the supplier's bank details and the invoice reference.
SPM-260428-K9H001.aba. The reference traces back to the extract.
Navigator's job is done for now. Take the ABA file (or files) to your bank's portal and process them in their bulk-credit / batch-payment area.
Once the bank has processed the file, most banks return a result file showing what paid and what failed. Upload it back into Navigator for per-row reconciliation.
Once the bank has actually paid the suppliers, mark the extract complete. Navigator locks the extract, marks any remaining invoices Paid, and queues a remittance advice job for every supplier in the batch.
Attached is the remittance advice for your account with Spectrum Plan Management. You can respond to this email if you have any queries.
| Reference | Customer | Amount |
|---|---|---|
| INV-4821 | Jane Smith | $425.00 |
| INV-4905 | Daniel Whitaker | $680.00 |
Most extracts run cleanly. When something fails, it's usually one of these — and Navigator tells you exactly which row needs fixing.
If you keep these in mind, the rest is just clicks.