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.
  9. Reversed
    : the payment was canceled after it was initiated and before it could settle.