How to activate direct debit payments
The Direct Debit option (available as an additional license) allows your customers/members/donors to pay regular payments or membership/subscriptions directly from their bank account as an alternative option to paying by credit card.
Payments2Us supports direct debits in the following countries:
- Australia (All Banks)
- New Zealand (ANZ,ASB, BNZ, Westpac)
Before you can use a direct debit with Payments2Us, you will need to contact your bank and arrange to have a Direct Debit facility setup. You will need to ask for the option where you can upload a direct debit file for processing. This option is normally added to your internet banking.
Australian Direct Debits
Australian Payments Clearing Association (APCA) was established in February 1992 to oversee and manage the development and operation of the Australian payments clearing system.
Most Australian bank use the Australian Banking Association (ABA) format for direct debit transactions. The following links provide more information about this.
- Direct Entry fact sheet: http://www.apca.com.au/docs/about-payments/direct_entry_fact_sheet.pdf
- For information about the ABA Text file format generated, please see: http://www.cemtexaba.com/aba-format/cemtex-aba-file-format-details.html
- Westpac upload guide: http://www.westpac.com.au/docs/pdf/bb/BOLStepbyStep-Aug2006.pdf
New Zealand Direct Debits
When setting up direct debits in New Zealand, you’ll need to ensure the following:
- The “Direct Debit Authority Number” assigned by your bank is entered into the “User Identification Number Field”.
- The Bank and Branch number are entered into the “BSB No.” field. These are in the format of 99-9999
- The Account number and suffix are entered into the “Account No.” field. These are in the format of 9999999-999
- Enter your company name or account name into “User Preferred Specification” on the Merchant Facility.
You can see more information on the extracted file standards at:
- ANZ: http://www.anz.com/Documents/AU/corporate/clientfileformatsH2H.pdf
- BNZ: https://www.bnz.co.nz/static/www/docs/online-banking/ib4b-file-format-guide.pdf
- Westpac NZ: http://www.westpac.co.nz/assets/Business/Accounts-and-Online-Services/Business_Online_download_help.pdf
- ASB Bank: https://fnb.asb.co.nz/content/fnb_help/pdf/fnb_import_export_guide.pdf
1. Set up Payments2Us License
1.1. Purchase an additional license for Direct Debits
Contact email@example.com for details
2. Set up bank details
2.1. Contact your bank to create direct debit facility
Confirm with your bank if a Self-balancing transaction is required or not.
2.3. Enter details from your bank and SAVE
All fields must be entered except the Statement Text field.
Check if a Self-Balancing transaction is required