PSD2 Bulk Payments API flow is as follows:

To send payment order files, the account holder must give approval to the PISP for sending payment files to Rabobank on behalf of their organisation for the specified payment account(s), this approval is continuous.

1. The PISP sends payment order files containing batches with payment orders using the PIS Bulk Initiation API.

   For some countries, special rules apply for World Payments, read more information about countries here: Betalingsinformatie per land.

2. The Rabobank provides the PISP with the submitted bulk upload status (‘’RECEIVED’’ or ‘’REJECTED’’).
3. If the status is ‘’RECEIVED’’, Rabobank provides a URL to the PISP, which can be used by the customer to authorize the bulk payments for execution. 

4. The PISP directs the customer to Rabobank using the provided URL.

   Large PAIN files can take up to 90 seconds before the payment can be signed.

5. The user authenticates the request in a secured and trusted Rabobank environment.

6. Second signature - The user authorizes the bulk payment in the secured and trusted Rabobank environment.

   A possible second signature for the bulk payment can only be authorized within Rabo Internet Banking (Professional).  

7. After successful authorisation, Rabobank processes the bulk files.
8. The customer is redirected back to the PISP.

The PISP can retrieve the status of the individual payments in batches through PAIN-002.