Do you put a bypass diode across each 48V battery?
No.
Series batteries don't need a diode.
Diodes/Isolators only need to be between batteries and Buss.
The LESS resiatance/voltage drop you have between series batteries the better off you will be.
DC current seeks the other end of it's opposite polarity.
For instance, if you have a 24 or 48 volt industal battery, you can count the cells (6 in series) and connect a 12 volt charger to those 6 cells.
Where the first 6 and the second 6 connect, you will have the positive from one charger AND the negative from another charger connected at the same place.
Two DIFFERENT chargers, two different DC circuits, the two will ignore each other since they only 'Seek' (complete a circuit) with it's polar opposite.
When it was difficult to find above a 12 volt charger, I charged big industal 24, 36 & 48 volt batteries with 12 volt chargers this way.
The main positive & negative of the battery were still 24, 36 or 48 volts, but each connected charger had its own CIRCUIT through the 6 cells it was connected through, INSIDE of the larger circuit of all cells in series.
The one hitch, all the 12 volt chargers had to run together or the cells got WAY out of balance.
The early Lithium batteries I got were 12 volts, but had plugs to series them together. You could charge each one with 12 volt charger, the charge controller in each battery took care of the cells in that battery,
OR,
You could charge the entire string based on the series voltage.
The BMS in each battery communicated through the plugs, switched voltage for what the charge source was (12, 24, 36, 48 volts)
If lithium with BMS, I'm not sure it could take the 96V or so one would see when the other disconnects. (Or are you using a contactor?)
BIG ASS CONTACTORS! IN PARALLEL.
Several thousand amp capacity.
The big industral inverter is a transformer type, and just charging the transformer will draw several hundred amps even when the inverter isn't powering anything.
Since it's a transformer, it has high losses when not being used, it's only charged when we run high voltage 3 phase equipment.
Delta, one of the better brands from China. Like I said, it's an industral unit, capable of 220/440 volts, true 3 phase.
Not like we use it all day, but it was cheaper to do 96 volts/inverter than to custom order the existing production machines it powers.
As a side note...
Contactors/relays can be used two ways.
Most people use them, power them up to connect a load to power.
You can also use them always connected to something that's always 'On'.
This means some additional losses, but for a purpose...
If something goes WRONG, your safety circuit can cut the power and the contactor/relay will OPEN, the failure 'Fails Safe', full shutdown. Airgap open circuit that can't reconnect without manual reset.
This is where you ask the question to the supplier about 'Duty Cycle'.
If it's not 100%, full time duty cycle rated, then you are going to change a lot of relays/contactors until you figure this out.
(Yup! Leaned that the hard way too)
The duty cycle is why I parallel some of them. All of them will eventually give up, but parallel you aren't trying to find the issue in the dark, the second, redundant takes over and you find the fault on routine inspection/maintiance.
Again, there is more than one way to skin this cat...