How do the payments get into Xero after the bank pays?

After the file is made Saral asks Post the payments to Xero now?: each payment is recorded on its bill in Xero from the account the file debited, dated the file's payment date, one entry per bank line — so the bank feed matches one line to one entry. Choose Later if the file is not uploaded yet: the run waits in History marked as made but not posted, with Post to Xero (Post now). A nightly sweep retries anything left.