When Direct Debit deductions happen

Deductions do not start the day your customer signs up. The bank verifies the application first, then deducts on a fixed schedule that depends on whether the mandate is weekly or monthly.

After your customer signs up

Every new mandate goes through the same steps:

1. Your customer submits the application and authorises it at their bank.
2. The bank verifies it. This usually takes 3 to 5 days. In Payments > Direct Debit, the status shows Waiting Approval.
3. Once approved, the status changes to Active and deductions are scheduled.

If the bank rejects the application, the status changes to Rejected and no money is taken.

Monthly schedule

For a monthly mandate:

• The first deduction happens in the month after the month of enrolment.
• Each deduction is scheduled for the 3rd to the 5th of the month.
• If a deduction fails, the bank retries once, between the 25th and 28th of the same month.

Weekly schedule

For a weekly mandate:

• The first deduction happens on a Friday, two weeks after the week of enrolment.
• After that, a deduction runs every Friday.

Check a deduction

Open Payments > Direct Debit and click View Details on the customer’s mandate. Its deductions are listed with Successful, Failed and New tabs.

Common issues

My customer signed up today. Why has nothing been deducted yet?

The bank first verifies the application, which usually takes 3 to 5 days. The first monthly deduction runs early in the month after sign-up, and the first weekly deduction runs on a Friday two weeks later.

What happens if a monthly deduction fails?

The bank retries once, between the 25th and 28th of the same month. Failed and successful deductions both show on the mandate in Payments > Direct Debit.

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