Introduction to the Direct Debit Services

Introduction to the Direct Debit Services

Table 1

Automated Direct Debit Instruction Service.

Bankers’ Automated Clearing Services. See UK Domestic Direct Debits (BACS).

Basic Bank Account Number. This can vary by country and can include up to four parts:

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bank account number

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■

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Business Identifier Code.

European Direct Debit.

International Bank Account Number. This number consists of three parts:

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■

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basic bank account number (BBAN)

If you include the IBAN in direct debit requests, CyberSource recommends that you also include the SWIFT code.

Single Euro Payments Area. See SEPA Direct Debits.

Society for Worldwide InterBank Financial Telecommunication.

Transaction Types

SEPA Direct Debit Services

Table 2

SEPA Direct Debit Services

Direct Debit Service

Direct Debit Validation

Chase Paymentech Solutions validates the customer’s IBAN or BBAN information. Direct debit validation does not include negative files, availability of funds, or account status (see Direct Debit Validation).

CyberSource provides two types of SEPA direct debits:

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Standalone direct debit—You include all the required IBAN or BBAN information in the request (see Standalone Direct Debit Services).

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Follow-on direct debit—The direct debit is linked to a previous direct debit validation request. A validation can have more than one follow-on direct debit. A follow-on direct debit must occur within 60 days of the associated direct debit validation. After 60 days, you must use a standalone direct debit (see Follow-On Direct Debit Services).

Direct Debit Refund

CyberSource provides two types of SEPA direct debit refunds:

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Standalone direct debit refund—You include all the required IBAN or BBAN information in the request (see Direct Debit Refund).

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Follow-on direct debit refund—The refund is linked to a previous direct debit. A direct debit can have more than one follow-on refund. A follow-on refund must occur within 60 days of the associated direct debit. After 60 days, you must use a standalone refund (see Direct Debit Refund).

Note CyberSource does not prevent you from requesting a refund for an amount that exceeds the amount of the associated direct debit. It is your responsibility to keep track of the amounts you submit in your transaction requests.

CyberSource provides follow-on direct debit voids—The void is linked to a previous direct debit or direct debit refund. See Direct Debit Void.

UK Direct Debits

Table 3

UK Direct Debit Services

Direct Debit Service

Direct Debit Mandate

Based on the BACS (Bankers’ Automated Clearing Services) Automated Direct Debit Instruction Service (AUDDIS), U.K. merchants must lodge the direct debit mandate prior to a direct debit deposit. This process requires the biller to send a notification to the payer at least five calendar days before collecting the payment from the payer’s account (see Direct Debit Mandate Lodgement).

CyberSource provides a standalone direct debit service—you include all required BBAN information in the request (see Direct Debit).

Supported Countries

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■

■

■

■

■

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GB = Great Britain

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■

■

■

LU = Luxembourg

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■

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NL = Netherlands

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■

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SK = Slovak Republic

Transaction Endpoints

For live transactions, send requests to the production URL:

http://ics2a.ic3.com

For test transactions, send requests to the test URL:

http://ics2testa.ic3.com

Testing Responses

You can simulate the CyberSource response messages by requesting direct debit services with amounts that trigger specific response messages. These triggers work only on the test server, not on the production server.

For direct debit and direct debit refund trigger amounts and responses see SCMP API Testing Information page.

Contact Chase Paymentech to learn how to configure your account for the PDE-0022 report. This report returns chargeback or reversal updates for direct debits into the CyberSource Payment Events report. For information regarding the Payment Events report, see the Reporting Developer Guide (PDF | HTML).

For direct debit funding updates relating to reconciliation, contact Chase Paymentech Solutions.