Direct Debit Batching Schedule

Direct debits are settled on a batching schedule and progress through a series of stages before the transaction is complete. These are the status details for every possible direct debit status in the order in which they are likely to occur:
  1. Pending
    : the direct debit request is accepted. The payment is scheduled to be sent to the inter-bank system to initiate a debit from the customer’s account. If a customer has one or more direct debits pending, and the customer’s mandate is cancelled, all pending direct debits are also cancelled.
    Most alternative payment methods do not send a final status when a direct debit transaction completes. To retrieve the final status of a direct debit, you must request the check status service. For example, when a direct debit response is pending, you must request the check status service to recieve the final transaction status.
  2. Settle_initiated
    : the payment was sent to the inter-banking system, but funds have not been received. If a direct debit has
    settle_initiated
     status, and the customer’s mandate is cancelled, the direct debit request is processed.
  3. Settle_rejected
    : the payment request was rejected by the inter-banking system.
  4. Settle_accepted
    : the payment was accepted by the inter-bank system. If a direct debit has
    settle_accepted
     state, and the customer’s mandate is canceled, the funds are posted to your account.
  5. Settled
    : the payment is guaranteed, and you can deliver the goods. The settled status means that the payment has arrived from the customer.
  6. Returned
    : the payment was returned by the customer’s bank, at the customer’s request, within five days. This status usually follows
    Settle_accepted
     status.
  7. Refunded
    : the merchant initiated return of the customer’s payment, which typically happens after the customer returns the merchandise to the merchant.
  8. Chargeback
    : the customer asked for money back from their bank after the payment was settled, which can happen when the customer claims that the direct debit was made fraudulently.
    Bacs
     has no time limit for the customer to receive the chargeback.
  9. Reversed
    : the payment was canceled after it was initiated and before it could settle.