Direct Debits

Overview

The Direct Debits feature enables the configuration of automatic recurring or one-time payments from a CLABE bank account. This system facilitates payment domiciliation, allowing merchants to automatically collect funds from their customers according to a predefined schedule.

Key Features

Flexible Recurrence

Support for multiple intervals including daily, weekly, monthly, quarterly, semiannual, and annual.

One-Time Payments

Capability to schedule single charges.

CLABE Validation

Integrated bank account verification for Mexican accounts.

Automatic Scheduling

Automated calculation of next payment dates based on billing cycles.

Integrated Notifications

Automated email workflows for account activation and validation.

Lifecycle Management

Comprehensive management of different debit statuses.

Core Concepts

Direct Debit

A direct debit is a specific authorization to perform automatic charges against a bank account. It contains:

Customer Information

A reference to the specific customer.

Amount & Currency

The quantity to be charged (only MXN is currently supported).

Recurrence

Whether the charge repeats or is a single event.

Billing Cycle

Defines exactly when the charge should occur.

Bank Account

The 18-digit CLABE associated with the charge.

Customer CLABE Interbank Code

The CLABE is a standardized 18-digit bank code used in Mexico to uniquely identify every bank account.

Function: It is required for all domestic inter-bank electronic funds transfers (sending money between different banks within Mexico). It ensures that payroll deposits, direct debits, and transfers are applied only to the correct account.

In short, you can think of the CLABE as the unique digital fingerprint for a bank account in the Mexican banking system.