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New 2026-10-07: BECS Direct Debit is a third payment rail alongside Card and PayTo. It wasn’t documented before this page.
BECS Direct Debit lets FikaTrade collect future invoice payments directly from a customer’s bank account, under a standing agreement the customer accepts themselves.

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How it’s different from Card and PayTo

Card and PayTo are set up by your team, on the customer’s behalf. Direct Debit is the opposite: the customer sets it up themselves, from their own FikaTrade login — there’s nothing for your team to enter.

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Before you begin

Direct Debit has to be turned on for a customer before they can set it up. Any supplier team member can do this; it isn’t admin-only.

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Turn Direct Debit on for a customer

  1. Go to Settings → Payment methods. This list shows every customer and a switch for Payments (the master on/off) plus one switch per rail: Card, PayTo and Direct Debit.
  2. Turn on Direct Debit for the customer (and make sure Payments itself is also on — a rail switch does nothing while the Payments master is off).
You can update several customers at once by selecting them and using the bulk Update action.

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What the customer does next

Once the rail is on, the customer goes to their own Settings → Payment methods, selects your business as the supplier, and chooses BECS Direct Debit. They:
  1. Enter their BSB and account number (or choose a bank credential they’ve already saved with you).
  2. Review the agreement — a Supplier–Customer agreement, Monoova’s DDRSA, and a customer-specific Direct Debit Request, all shown together.
  3. Accept it. That acceptance is the authority FikaTrade needs to collect — there’s no separate mandate for you to create or send.
See Payment methods (customer guide) for the customer-facing side of this.

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Using it to collect payment

Once a customer has an active Direct Debit authority, it’s available the same way a card or PayTo agreement is — see How payments are collected. It’s reused for every future invoice until the customer cancels it.

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If a payment is dishonoured

A Direct Debit collection can come back Dishonoured from the customer’s bank (distinct from a plain Failed/declined attempt) — for example, for insufficient funds. Treat it the same way as any other failed collection: see Failed payments and retries. FikaTrade doesn’t currently show dishonour reasons beyond this to suppliers.

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Cancelling

A customer can cancel their own Direct Debit authority from their Payment methods page at any time. A cancelled authority stays visible as a record but can’t be collected against — the customer would need to set up a new one to resume paying this way.