Create a Direct Debit

Choose a start date, recurring amount and number of payments you wish to collect. The direct debit can have a fixed amount, or payments can be collected on an ongoing basis. Your customers simply approve the direct debit authority online or in-person. All future payments will then be collected from them automatically.

Frequencies can be weekly, fortnightly, monthly or quarterly, yearly, with the option to debit either from your customers bank accounts and credit cards. You also have the option of on-charging any processing fees to your customer.

You can make changes to a customer’s subscription if required without your customer needing to update their details. They’ll be notified in advance of any changes taking place.

 

Digital Direct Debit

Go to create a Direct Debit from the create button on the menu panel and choose Digital Direct Debit.

Digital Direct Debit means that you don't require a paper form to be uploaded and can be authorised in person, over the phone, or online by your customer at any time.

 

 

Select a customer or add a new one. Then you can enter the direct debit details, amount, and dates.

Choose if you want to include an Upfront Amount & Date. Select this option if you want to create a one-off payment seperate to the recurring schedule. This is great for any set-up fees or one-off amounts that need to be charged. All other instalments will use the recurring amount.

 

 

Decide how long you want payments to continue. You can have the direct debit continue until you cancel it, or set a total amount to be paid until the direct debit is completed.

 

 

Calculate a total amount based on a start and end date (Annual subscription, 6 months, over 12 weeks etc). This means if dates change, or a payment is missed, you still have control over the total amount of money owed to your business.

 

 

Change your fees and dishonour settings if you want to vary from your defaults (You can read more about fees and dishonour settings here). Now you can save your draft and authorise with your customer. If you wish to change this draft or authorise later, you can leave and come back at another time.

Choose the authorisation method best suited to you or your customer, you can read more about different ways to authorise a Direct Debit here. Once your customer has authorised the direct debit it will become active and payments can be processed.

 

Upload a Paper Direct Debit

Before beginning this process you will need a completed and signed paper form scanned into your computer as a PDF or Image file. Pay Advantage supplies clients with ready to go Direct Debit Request forms that can be printed without any additional setup, read more about setting up a branded form here.

 

 

Also note that for compliance and security reasons. When the recurring amount you want to debit is around $1,000 a month, you may need additional identification from your customer to authorise their payment account. 

To avoid delays please ensure your customers upload a clear legible photo ID of the authorised account holder/s as requested in the direct debit request form.

Select a customer or add a new one. Then you can enter the direct debit details, amount, and dates. 

The first payment amount is an optional field that lets you charge any set-up fees, one-off amounts etc. for the initial instalment.

Decide how long you want payments to continue. You can have the direct debit continue until you cancel it, or set a total amount to be paid until the direct debit is completed.

 

 

Calculate a total amount based on a start and end date (Annual subscription, 6 months, over 12 weeks etc). This means if dates change, or a payment is missed, you still have control over the total amount of money owed to your business.

 

 

Enter the bank account details your customer wants to use, or if they have a saved payment method you can also use that. Again check the details you have entered are correct to ensure the approval process can be quick.

Change your fees and dishonour settings if you want to vary from your defaults (You can read more about fees and dishonour settings here). Now you can save your draft and send the authority to the Pay Advantage team for approval. If you wish to change this draft or authorise later, you can leave and come back at another time.

 

Once submitted our team goes through a quick approval check to make sure details between the form and our system are the same. This approval process generally takes 30 minutes or less during valid business hours. If details do not match the authority will be rejected and you will be alerted to what needs to be corrected so the form can be re-submitted for approval.

There are number of ways to view why a form was rejected;

• From the Dashboard
• Searching a customer and their direct debits
• Filtering your Direct Debit search by draft or rejected

When you open the rejected form there will be red text at the top letting you know why the form was rejected and what you will need to correct for re-submission. If you need anymore clarification as to what needs to be changed you can contact our support team in valid business hours.