Direct Debit

How to Use it

Direct debit is a payment method that allows a business or organization to automatically withdraw money from a customer's bank account, usually on a recurring basis.

It is supported when sending over Open/Peppol.

The following information must be communicated for a valid use:

Information Element	Value	Description	In what segment	Mandatory for Billit when Domiciliation	Mandatory for Peppol
DefaultPaymentMethodTC	"Domiciliation"	Fixed Value	Customer	Yes
PaymentMethod	"Domiciliation"	Fixed Value	Header	Yes
DomiciliationMandateID	Example : "100000101	The ID that you have obtained for the mandate. Billit checks the Regex structure of the mandateID.	Customer	Yes	Yes
DomiciliationMandateSigningDate	Example : "2023-12-05"	Date that the mandate was signed	Customer	Yes	No

Below an example of a Json body for an invoice to be posted with a direct debit.

{
	"OrderNumber": "001directdebit11a",
	"OrderDate": "2026-02-06",
	"ExpiryDate": "2026-03-30",
	"OrderType": "Invoice",
	"OrderDirection": "Income",
  "Currency": "EUR",
  "PaymentMethod": "Domiciliation",  // Fixed value to include when direct debit is used
  "Customer": {
    "Name": "TestCustomer", 
    "PartyType": "Customer",
		"Street": "Teststraat 31",
		"Zipcode": "BE-9000",
		"City": "GENT",
		"CountryCode": "BE",
		"Email": "[email protected]",
		"VatNumber": "BE0437295999",
    "Nr": "4 E0009",
    "DefaultPaymentMethodTC": "Domiciliation",  //Fixed value when direct debit 
		"DomiciliationMandateID": "100000101", //Mandate ID is mandatory information
		"DomiciliationMandateSigningDate": "2013-12-05",  // Include signing date
	},
	"OrderLines": [
		{
			"Reference": "GOD0014",
			"Quantity": 43.53,
			"UnitPriceExcl": 1.3044,
			"Description": "ULS GASOLIE DIESEL B7",
			"DescriptionExtended": "ZWAVELARME DIESEL < 0.001 % S (10ppm)  ",
			"VATPercentage": 21.0,
		}
	]
}

What is the impact when direct debit is used

Example of a Payment Means segment when format is UBL:

 <cac:PaymentMeans>
   <cbc:PaymentMeansCode>49</cbc:PaymentMeansCode>// Peppol UBL code indicating direct debit
   <cbc:PaymentID>This invoice is automatically collected by direct debit</cbc:PaymentID>//Added by Billit 
    <cac:PayeeFinancialAccount>
      <cbc:ID>BE13523081282439</cbc:ID>
      <cac:FinancialInstitutionBranch>
        <cbc:ID>TRIOBEBB</cbc:ID>
      </cac:FinancialInstitutionBranch>
    </cac:PayeeFinancialAccount>
    <cac:PaymentMandate>
      <cbc:ID>100000101</cbc:ID>
    </cac:PaymentMandate>
  </cac:PaymentMeans>

When a Billit generated PDF is included in the UBL, then the PDF includes a reference to the direct debit. Example:

DomiciliationMandateSigningDate : this information is not put in the UBL.

When you use your own PDF:

Billit adds automatically info to the payment id : cbc:PaymentIDThis invoice is automatically collected by direct debit</cbc:PaymentID>.
You can always add additional info if desired. This could be in the customer field PaymentTerms (more info PaymentTerms.

How to view result in MyBillit user interface

When using the MyBillit user interface, Direct debit is clearly marked:

Detail Screen: