Amending DebiChecks
All DebiCheck mandates can be amended and retain their original authentication key. However, under some circumstance a re-authentication or new DebiCheck mandate may be required. You can perform an amendment on a registered mandate, via our straight through DebiCheck banking methods, or use your own DebiCheck authentication solution. BankTech DebiCheck amendments can be performed in 2 ways:
POST: /mandates/dc/amendThis will amend a registered DebiCheck mandate.
Rate limit: 1 per second
Payload size: 1 DebiCheck mandate
By using the registered mandate amendment method, we take care of updating the mandate's data when the amendment and/or authentication is performed, saving you effort to do so yourself. You will however need to re-register DebiCheck mandates yourself.
POST: /banking/dc/amendThis will amend a non-registered DebiCheck mandate.
Rate limit: 1 per second
Payload size: 1 DebiCheck mandate
If you want to use our banking DebiCheck amendment method for straight through processing, you will need to have an appropriate authentication profile with your acquiring bank and give us the details of that profile to configure it's availability through our API. You can learn more about how this is done by visiting our processing models and managing bank profiles articles.
Amendment scenarios
Depending on which fields of a DebiCheck mandate are amended, there are various re-authentication scenarios and therefore pros and cons of amending certain fields. You should carefully analyse which fields can be made to be as flexible as possible to reduce the frequency of amendments and maximise the success rate of re-authentications or re-registrations of DebiCheck mandates.
If you would like help with designing your DebiCheck mandate model and explore various options, please get in touch with your Account Manager so we can help you craft the best solution for your business.
Amendment, local update on mandate only:
Entry class
Accounting reference
External reference
Preferred service type
Amendment, debtor notified only:
Adjustment category
Maximum collection amount
Collection amount
Tracking allowed
Creditor ultimate name
Debtor name
Debtor ID number
Debtor account type
Debtor account number
Debtor name
Debtor email
Debtor phone number
Tracking days
Amendment + re-authentication by debtor required:
Adjustment category
Use adjustment amount
Adjustment amount
Use adjustment rate
Adjustment rate
Contract reference
Tracking days (If 'Tracking days' is increased on amendment)
Max collection amount (When adjustment category is Never)
First collection date
First collection amount (When adjustment category is Never)
Collection amount (When adjustment category is Never)
Collection day
Date adjustment allowed
New mandate required:
Collection frequency
Initiation date
Adjustment category (If adjustment category was "Never" or is being set to "Never", a new mandate is required)
Debtor branch code
Debtor identification type
Client reference
Collection amount
Collection type
Instalment occurrence
Preferred Bank
Authentication instrument
Debit value type
Mandate reference number (DebiCheck authentication key)
If you need to re-register your DebiCheck mandate, you can retain the old DebiCheck mandate by registering a new DebiCheck mandate with a different contract reference and mandate identification. You can then decide whether you want to pause the old DebiCheck mandate with BankTech until you are sure you have secured the authentication on the newly registered mandate.
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