The Betailingsservice Direct Debit scheme follows a different format to many other Direct Debit schemes.
Rather than creating a payment when you're ready to charge a customer, payments must instead be created and submitted for processing 8 working days prior to the start of the month in which you wish to charge the customer. You can specify any date within the month to charge the customer.
IMPORTANT: If the Direct Debit authorisation and payment creation deadlines below are not met, the customer would not be able to be charged in the month that immediately follows.
| (WORKING) DAY | EVENT | FURTHER DETAILS |
|---|---|---|
| M-9 WD | Direct Debit mandate authorisation deadline for new customers | New customers must complete the authorisation of their Direct Debit mandate by 4pm UTC, 9 working days before the start of the first month you wish to charge them. (If your customer already has an active Direct Debit mandate, you can disregard this event in the timeline). |
| M-8 WD | Payment creation deadline | Payments must be created within GoCardless by 4pm UTC, 8 working days before the start of the following month in which you wish to charge them. |
| M-6 to M-1 WD | Customer receives payment notification | Customer is provided with payment summary for upcoming month by Nets (the organisation responsible for administering the Betailingsservice scheme in Denmark). |
| Charge date specified in Month | Customer is charged | Funds are collected from the customer's bank account on the date specified by the merchant. |
| Charge date +3 WD | Funds paid out to merchant | GoCardless pays out the funds to the merchant's bank account. |
| Charge date +4 WD* | Payout received by merchant | Merchant receives funds (4 working days after the customer was charged). |
Note: 'M' refers to the month the customer is being charged in. 'WD' refers to working (business) days.
*If you are collecting payments internationally with FX, please allow an extra 2-4 working days to receive your payout.
Working example
If you need to charge a customer on any date in July 2018, you would need to create their payment in GoCardless by 4pm on the 20th June 2018. The table below illustrates this example in calendar format.
Note: This is referring to dates/days as they fall in 2018.
| CALENDAR EXAMPLE | ||||||
|---|---|---|---|---|---|---|
| Monday | Tuesday | Wednesday | Thursday | Friday | Saturday | Sunday |
|
June 18 ... |
June 19 M-9 WD * |
June 20 M-8 WD ** |
June 21 M-7 WD |
June 22 M-6 WD |
June 23 | June 24 |
|
June 25 M-5 WD |
June 26 M-4 WD |
June 27 M-3 WD |
June 28 M-2 WD |
June 29 M-1 WD |
June 30 | July 1 |
|
July 2 1st available charge date |
July 3 2nd available charge date |
July 4 etc... |
||||
*Customer Direct Debit mandate authorisation deadline (4pm UTC)
**Payment creation deadline in GoCardless (4pm UTC)