# Create a batch payment file

This tutorial describes the steps involved in creating a batch payment file that's required to send batch payments using Ripple Payments Direct.

With batch payments, you can get a quote for multiple payments and process them all at once, instead of requesting a quote for every single payment; hence, batch payments significantly reduce the time and effort required to send large volume payments. Batch payments also provide faster time to value for customers without an API integration.

Follow these steps to create a batch payment file:

1. In Ripple Payments UI select the **Payments** tab.
2. Select **Create Payment** > **Batch**.
3. Follow the instructions in the *How it works* section.
  1. Download the batch payment [template file](#template-file).
  2. Enter the [payment details](#payment-details).
  3. Upload your file.
4. To check your file for data validation errors and (subsequently) [send the batch payment](/products/payments-direct-2/v2025.11/user-interface/tutorials/send-a-batch-payment), select **Get Quote**.
5. **Only if you see error messages in the Ripple Payments UI:**
  1. In your local file copy, correct all errors according to the error message(s) and save the file copy.See the image below for example errors.
  2. In the Ripple Payments UI, select the ![trash can icon](/assets/trash-icon.49a8a950588c0def3f74c577beb0164fac468c46a6d7e26ddf2fdd60031b5418.42b0ca76.png) (trash can) icon to delete the erroneous file.
  3. Upload the corrected version of the file.
  4. Once again, select **Get Quote** to send the batch payment.
![Batch payment errors](/assets/rpd-2.0-batch-error.cc4f73a00b112b382159c86abdba7dfe9276afcc8e3bad3e7e1ac97d7051a738.42b0ca76.png)


## Template file

The template file for your batch payment is customized using payment details such as use case and currency.

To create your customized batch payment template:

1. Click **Download Template**, and create the template by selecting from the following fields:


| Field name | Description |
|  --- | --- |
| **Use case** | The use case for the payment transaction. |
| **Payment currency** | The currency in which the originator will send the payment. |
| **Payout country** | The country of the payment beneficiaries. |
| **Payout currency** | The currency in which the beneficiaries will be paid out. |
| **Payout category** | The payout category. Only `Bank account` is available. |


1. Select **Download Template**.


## Payment details

Edit the template file to add payment details:

1. Rename the downloaded file to a less generic name that helps you remember details of the batch payment.
For data validation purposes, you must save and upload the file in either `xls` or `xlsx` file format.
2. Open the renamed file.
3. Create one entry per row for each beneficiary you want to include in this batch payment (up to **100** per file).
For details on the fields you must fill out to create a payment beneficiary entry, hover over the field names.
  - Make sure to enter information for all beneficiaries (up to **100** per file) that can be paid out in the currency specific to that template. This way, you can avoid maintaining and storing multiple files for the same payout currency but different beneficiaries.
  - If you use an editing tool other than Microsoft Excel, make sure to remove any trailing blank columns as they may cause a file processing error.
  - When you enter phone numbers with the digits separated by hyphens, you may have to enclose the number in `'` characters to prevent your editing tool from formatting the phone number as a formula.


## Payment limits

The payout currencies currently supported by Ripple Payments Direct have the following payment limits:

| Currency | Currency Code | Limit |
|  --- | --- | --- |
| Argentine Peso | `ARS` | Up to **ARS 10,000,000** per transaction (subject to compliance for higher value transactions). |
| Australian Dollar | `AUD` | Up to **AUD 100,000** per transaction. Compliance accumulated limit **AUD 30,000** per day per beneficiary. |
| Brazilian Real | `BRL` | For details on payment limitations for this currency, contact your Ripple liaison. |
| British Pound | `GBP` | Transactions up to **GBP 1,000,000** use FPS.Transactions exceeding **GBP 1,000,000** use CHAPS. |
| Canadian Dollar | `CAD` | Up to **CAD 600,000** per payment. |
| Chilean Peso | `CLP` | For details on payment limitations for this currency, contact your Ripple liaison. |
| Chinese Yuan | `CNY` | At least **CNY 120** per transaction.If the purpose of the payment is `salary`, up to **CNY 29,000** per transaction, or **CNY 150,000** per month, or **CNY 300,000** per year. |
| Colombian Peso | `COP` | For details on payment limitations for this currency, contact your Ripple liaison. |
| Euro | `EUR` | Transactions up to **EUR 100,000** use SEPA Instant.Transaction exceeding **EUR 100,000** use standard SEPA. |
| Ghanaian Cedi | `GHS` | For details on payment limitations for this currency, contact your Ripple liaison. |
| Indian Rupee | `INR` | Up to **INR 1,500,000** per TRADE transaction.Up to **INR 500,000,000** per NON-TRADE transaction. |
| Indonesian Rupiah | `IDR` | Up to **IDR 100,000,000** per transaction.Compliance accumulated limit **IDR 750,000,000** per day per beneficiary. |
| Mexican Peso | `MXN` | For details on payment limitations for this currency, contact your Ripple liaison. |
| Nigerian Naira | `NGN` | For details on payment limitations for this currency, contact your Ripple liaison. |
| Phillipine Peso | `PHP` | Up to **PHP 50,000** per real-time transactions.**No limit** for all other transactions. |
| Rwandan Franc | `RWF` | For details on payment limitations for this currency, contact your Ripple liaison. |
| Singapore Dollar | `SGN` | Up to **SGD 1,000,000** per transaction.Compliance accumulated limit **SGD 65,000** per day per beneficiary. |
| South African Rand | `ZAR` | For details on payment limitations for this currency, contact your Ripple liaison. |
| South Korean Won | `KRW` | Up to **KRW 6,000,000** per transaction for individual payouts.Up to **KRW 500,000,000** per transaction for business payouts.Compliance accumulated limit **KRW 65,000,000** per day per beneficiary. |
| Thai Baht | `THB` | Transaction limits may vary based on the selected bank.Compliance accumulated limit **THB 1,750,000** per day per beneficiary. |
| Turkish Lira | `TRY` | Up to **TRY 300,000** per transaction for individual payouts.Up to **TRY 2,000,000** per transaction for business payouts. |
| Ugandan Shilling | `UGX` | For details on payment limitations for this currency, contact your Ripple liaison. |
| United States Dollar | `USD` | Using **USABA (RTP/FedNow/ACH):****RTP:** up to **USD 5,000,000** per transaction**FedNow:** up to **USD 500,000** per transaction**ACH:** up to **USD 1,000,000** per transactionUsing **USWIRE (Fedwire):** up to **USD 100,000,000** per transaction |
| Vietnamese Dong | `VND` | Up to **VND 499,999,999** per transaction.Compliance accumulated limit **VND 2,400,000,000** per day per beneficiary. |
| Zambian Kwacha | `ZMW` | For details on payment limitations for this currency, contact your Ripple liaison. |