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!"#$%"#& (
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Foreword
0+(#-* 0#1+* +6 *"# MSZ6 ,(#
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P
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What is Direct Debit?
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] >1&3*2&"3+U !"# #)*+(# -255#-*+2) ,(2-#66 -') 1# '&*2:'*#4W
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M6+); *"# MSZ6 1')GF*2F1')G +)
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Use cases for Direct Debit
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62:# ,'=:#)*6U A*6 *+:+);6 ')4 6*(2); -&6*2:#( ;&'(')*## :'G# +* 5#666&+*#4
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] >%%31+& %1-&3*$#-C"2 "'8# ') 2);2+); (#5'*+2)6"+, C+*" *"#
:#(-"')*U 0+(#-* 0#1+* '552C6 *"#6# -&6*2:#(6 *2 6+:,5+
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Getting access to Direct Debit
!"#(# '(# *"(## 2,*+2)6 %%$-- R1#$21- A3I2#GB$--
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Direct Access
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Direct Debit bureaus
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%23'(45#66 -"'(;#6 Ii ,#( *(')6'-*+2) C+*" ' [. :'@+:&: -"'(;#U
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Direct Debit Mandates
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A) :')= -'6#6W =2&( -&6*2:#( C+55 "'8# ' 6,#-+L+- 6-"#4&5# 2< ,'=:#)*6
+) :+)4W 6&-" '6 ' L+@#4 6&16-(+,*+2)W C"#) *"#= '&*"2(+6# ' 00A *2 =2&U
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I>
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Taking payments by Direct Debit
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!"#(# +6 2)# #@-#,*+2) *2 *"# '48')-# )2*+-# (#O&+(#:#)*\ +< =2&(
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Taking Direct Debit payments through GoCardless
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.Q
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The Direct Debit Guarantee
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R'-" 2< *"# '128# ,(2*#-*+2)6 '(# #)
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J&-" -2&)*#(-5'+:6 :&6* 1# 6&1:+**#4 *2 =2&( 6,2)62( 1')G C+*"+) IP
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+* -') *'G# ')2*"#( I.Q 4'=6
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.P
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Direct Debit Timings
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] 8$F$2& F2C*$+&-W C"#(# ' -&6*2:#( "'6 '5(#'4= 1##) )2*+L+#4 2< *"#
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] ;3#5"+, G2C 7 XF#3%$--"+,YT_'8+); (#-#+8#4 *"# :#66';# '*
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+6 6&16#O)*5= (#-#+8#4W *"'* ,'=:#)* C+55 1# '&*2:'*+-'55= (#8#(6#4U
76 ' (#6&5*W ' ,'=:#)* -'))2* 1# -2)L+(:#4 &)*+5 )2
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DAY0
Mandate
submitted
DAY1
Payer'sbank
receivesmandate
DAY2
Mandate
approved
DAY2
DAY3
Payer'sbank
receivesrequest
DAY4
Merchantcredited
withpayment
Paymentfailure
submitted
Paymentrequest
submitted
DAY7
DAY6
(DAY3)
Merchantreceives
failurenotification
Merchantnotified
offailure
DAY5
Paymentto
merchantreversed
.N
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/Q
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Submitting messagesto the banks
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PU h)-# 6&--#66
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Submitting Direct Debit payments
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/P
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Receiving messagesfrom the banks
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Direct Debit Instruction notifications
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AUDDIS messages
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R((2(6 +) *"# (#6* 2< *"# 00AW 2( *"# C'= =2& 6&1:+**#4 +*U !"#
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Errors cancelling a DDI:
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6"2(*5= '
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ADDACS messages
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Payment request notifications
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7KM00 b7&*2:'*#4 K#*&() 2< M),'+4 0+(#-* 0#1+*c 2( 00A37 b0+(#-*
0#1+* A)4#:)+*= 35'+: 748+-#c :#66';#6U
ARUDD messages
V2( 6&--#66
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I3G$ R2%- #$2-3+ S3#$ G$&2"B-
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DDICA messages
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0#1+* A)4#:)+*= 35'+: 748+-#c (#,2(*
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I3G$ R2%- #$2-3+ S3#$ G$&2"B-
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PP
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What is SEPA Direct Debit?
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A)
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#@-"');# (#O&+(#4 +6 &, *2 *"# ,'=#(Z6 ')4 -255#-*2(Z6 1')G6U
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PD
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Glossary
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R2%- !"# -5#'(+); 6=6*#: *"'* '4:+)+6*#(6 *"# 0+(#-* 0#1+*
6-"#:# F '55 0+(#-* 0#1+* -2::&)+-'*+2)6 ;2 *"(2&;" ?'-6U
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!1$ G2&$ !"# 4'*# ' ,'=:#)* +6 4 *2 1# 4#1+*#4 G*"+"-&"3+ 7 6#(8+-# ,(28+4#4 1= ' ?&(#'& +) C"+-" *"#= 6&1:+*
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