Direct Debit payments

Direct debit mandates and payments can be handled with standard file formats defined in ISO 20022.

A Direct Debit is a transaction in which one person (or company) withdraws funds from another person's bank account. Formally, the person who directly draws the funds ("the payee") instructs his or her bank to collect (i.e., debit) an amount directly from another's ("the payer's") bank account designated by the payer and pay those funds into a bank account designated by the payee. Before the payer's banker will allow the transaction to take place, the payer must have advised the bank that he or she has authorized the payee to directly draw the funds. After the authorities/mandates are set up, the direct debit transactions can be done.

In short there are two steps involved to be able to collect money:

Mandate - a valid mandate need need to be in place before money can be collected from clients external account.
Payment request - once a valid mandate is in place, a payment request can be sent to bank to collect the money.

Mandates

FA Back has support for:

Initiate new mandate requests (pain009)
Send mandate amendment requests (pain010)
Send mandate cancellation requests (pain011)
Read mandate response files from bank (pain012)

Note

Note that when sending mandate requests to Danske Bank, the pain009 is converted to AutoGiro format and the response comes in Autogiro format which is converted to pain012.

Mandate statuses

FA uses account tags to show mandate statuses, and for filtering out which accounts that will be picked up in different files.

Account tag	Description
`Mandate-Waiting`	New mandate to be included in file to bank
`Mandate-Pending`	Mandate file created in FA / sent to bank
`Mandate-Approved`	Mandate request approved by bank
`Mandate-Rejected`	Mandate request rejected by bank. Reject reason in task
`Mandate-Waiting amendment`	Mandate amendment to be included in file to bank
`Mandate-Pending amendment`	Mandate amendment pending
`Mandate-Amendment rejected`	Mandate amendment rejected
`Mandate-Waiting cancellation`	Mandate cancellation to be included in file to bank
`Mandate-Pending cancellation`	Mandate cancellation pending
`Mandate-Cancelled`	Mandate cancellation request approved / mandate cancelled
`Mandate-Cancellation rejected`	Mandate cancellation request rejected