Collect recurring payments with Direct Debit

Direct Debit collects the same amount from your customer’s bank account every week or every month, after the customer authorises it once through online banking. It suits memberships, subscriptions, tuition fees and regular donations.

Set up a Direct Debit form

Direct Debit runs on a normal payment form. See Create a payment form for the basics, then:

1. In the form’s Payment Details tab, choose your Portal Key.
2. In Payment Option, choose Direct Debit. It cannot be combined with other payment options, and BCL makes the email field required.
3. Under Direct Debit Settings, choose the Frequency: Weekly or Monthly.
4. For monthly forms, choose one or more options in Total Recurring Months, such as Never End (Until Cancelled) or 1 year (12 months). Your customer picks one of these when they sign up.
5. Save the form.

Affiliates cannot be turned on for a Direct Debit form. Your Direct Debit forms appear under the Recurring Forms tab of your forms list.

What your customer does

To sign up, your customer:

1. Fills in the form, including Identification Type and Identification Number.
2. Chooses a Subscription Duration, if your monthly form offers more than one.
3. Authorises the mandate on their bank’s online banking page.

The bank then checks the application before deductions start. See When Direct Debit deductions happen.

Track your mandates

Go to Payments > Direct Debit to see every application:

• All Application lists every sign-up.
• Active Enrolment shows active mandates, with the total amount of those mandates in the badge.
• Total Deduction counts the deductions collected so far.

Click View Details on a row to see the customer’s deductions and Application Histories. For an active mandate, click View Mandate to open the mandate record on Bayarcash.

To send each new mandate and deduction to your own system, see Direct Debit webhook.

Common issues

Why can't I add FPX or DuitNow QR to my Direct Debit form?

Direct Debit cannot be combined with other payment options. Create a separate form for one-off payments.

Why is the affiliate setting greyed out on my Direct Debit form?

Affiliates cannot be enabled on a form that uses Direct Debit.

Where do I see who has signed up?

Go to Payments > Direct Debit. Each customer's application, its status and its deductions are listed there.

Related articles

• When Direct Debit deductions happen
• Create your first payment form
• Direct Debit webhook payload
• Find a transaction