Following the processing of your direct debits
Step 1: Validate the direct debit file.
Each time a direct debit order is transmitted to the creditor’s bank, you must validate it via your banking interface.
Without this action, the direct debit will not be made.
Files are normally valid for 15 days. The longer you wait before validating them, the later the funds will be transfered.
The payment gateway can notify you each time a direct debit file is sent.
See chapter Setting up the notification for validating SEPA files sent to the bank to configure notification sending.
We recommend to enter a generic e-mail address rather than a personal address to ensure that in the event of the recipient’s absence, the files will still be validated.
What should you do if you have not validated your direct debit orders in time?
The payment gateway can return non-validated files.
You must first notify your bank of this omission and ask if we can return the same capture file.
Then, contact technical support to ask for the capture file to be resent.
Step 2: Enable the transmission of Chargeback reconciliation report.
The chargeback reconciliation log lists the rejected SEPA direct debit capture operations.
Example: debtor account format error, closed account, insufficient funds, unknown client.
- In your Merchant Back Office, open the Settings > Shop > Reports menu and select the Chargeback reconciliation report tab.
- In the General Settings section, select the frequency from the Report frequency drop-down list:
Make sure you have entered a generic e-mail address to ensure that in the absence of the recipient, the chargebacks will still be processed (see chapter Managing chargebacks).
Step 3: Reconcile transactions.
When sending the direct debit file, the transaction appears in the Captured transactions tab of the Merchant Back Office. Its reconciliation status is To be analyzed.
After 3 interbank business days without a chargeback notification, the payment can be considered as debited.
You can then manually reconcile it by right-clicking on the transaction.