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Direct Debit payments

Direct debit mandates and payments can be handled with standard file formats defined in ISO 20022.

A Direct Debit is a transaction in which one person (or company) withdraws funds from another person's bank account. Formally, the person who directly draws the funds ("the payee") instructs his or her bank to collect (i.e., debit) an amount directly from another's ("the payer's") bank account designated by the payer and pay those funds into a bank account designated by the payee. Before the payer's banker will allow the transaction to take place, the payer must have advised the bank that he or she has authorized the payee to directly draw the funds. After the authorities/mandates are set up, the direct debit transactions can be done.

In short there are two steps involved to be able to collect money:

  • Mandate - a valid mandate need need to be in place before money can be collected from clients external account.

  • Payment request - once a valid mandate is in place, a payment request can be sent to bank to collect the money.


FA Back has support for:

  • Initiate new mandate requests (pain009)

  • Send mandate amendment requests (pain010)

  • Send mandate cancellation requests (pain011)

  • Read mandate response files from bank (pain012)


Note that when sending mandate requests to Danske Bank, the pain009 is converted to AutoGiro format and the response comes in Autogiro format which is converted to pain012.

Mandate statuses

FA uses account tags to show mandate statuses, and for filtering out which accounts that will be picked up in different files.

Account tag



New mandate to be included in file to bank


Mandate file created in FA / sent to bank


Mandate request approved by bank


Mandate request rejected by bank. Reject reason in task

Mandate-Waiting amendment

Mandate amendment to be included in file to bank

Mandate-Pending amendment

Mandate amendment pending

Mandate-Amendment rejected

Mandate amendment rejected

Mandate-Waiting cancellation

Mandate cancellation to be included in file to bank

Mandate-Pending cancellation

Mandate cancellation pending


Mandate cancellation request approved / mandate cancelled

Mandate-Cancellation rejected

Mandate cancellation request rejected

Direct Debit payments

FA Back has support for:

  • Sending payment initiation/collection file (pain008)

  • Read successful payments (camt053/054)

  • Read rejected payments (pain002)

File flow between systems


File examples

As mentioned in the Direct Debit - Getting started documentation, the files are based on certain fixed values. In these examples you can see where the fixed values are populated in the XML file(s).

Mandate initiation request (pain.009)


Payment collection file (pain.008)