This article explains how to setup Direct Debit/ACH billing for customers
Currently our only Gateway that supports Direct Debit/ACH billing is Payrix
Customers can independently establish Direct Debit/ACH arrangements through the customer portal, eliminating the necessity for you to send them an authority request.
Direct Debit/ACH billing operates through a distinct process compared to online credit card transactions. However, with Cloud Depot RPS, we streamline this procedure to ensure a smooth and user-friendly experience.
Before a customer can be billed by Direct Debit/ACH , the customer must first give you authority to debit the customer's bank account.
The steps to get authority is described in the graphic below.
1. Request Authority from your customer
In Cloud Depot, click on Customers in the left-hand menu. Find the customer you wish to request authority from and click View Customer Details.
Once in the Customer Card, click on the Direct Debit/ACH tab under Billing & Portal.
Click the Request New Bank Authority button. A Bank Authority Request form will appear. Fill out the details.
There will be two options:
a) Save and Email customer directly,
b) or Save and Manually Send the Invite URL.
If you choose the option to Save & Manually Send the Invite URL, you will need to copy the invite URL and send it to the customer via your own email.
If you choose the option to Save and Email the customer directly, the email will be queued and sent to the customer automatically within five minutes.
We recommend using the "Save & Manually Send the Invite URL" option and then personally emailing the URL to the customer. This approach helps reassure the customer that the request is legitimate and not a phishing attempt.
Make sure the details match the details of the recipient for the authority request. If not, update them in this portal.
If you chose the "Save & Manually Send the Invite URL" option, the invite URL will be generated and made available for you to copy. Simply utilize the "Copy to clipboard" feature to capture the entire URL for your records.
2. Customer Completes the Authority
The customer can complete the Authority online. The application form will look similar to the screenshot below
3. Authority is uploaded to the Gateway Provider
Once the application has been completed, the customer will receive a confirmation email with a copy of the information filled in and a copy of the Gateway Terms and Conditions. If you selected to send yourself application updates, you will receive a copy as well.
You will receive an email similar to the email below, once the bank details have been uploaded and accepted by the gateway.
You are now ready to start billing your customer using Direct Debit / ACH. Ensure that Auto Payment is selected in your customer portal and the correct payment rules are attached to the customer details.
