If a Direct Debit payment fails, you can try to collect it again by using a represent. This submits the same payment for collection a second time, without needing to create a new request.
When and how a represent is created
Access PaySuite DDCMS will only retry a payment automatically when it's returned on an ARUDD report with Reason Code 0 – Refer to Payer. This ensures only appropriate failures are retried.
The payer’s Direct Debit Instruction (DDI) not only authorises the original debit, but also provides implied consent for unpaid payments to be re-presented under the same authority.
Re-presentations can continue for up to one month from the date the original submission was made. After this period, you must either:
Arrange payment directly with the payer, or
Submit a new collection with the required advance notice
The retry date is calculated using your account’s Payment Request Notice Period, even if the original payment date has passed.
For example, if your notice period is five working days, a represent will be scheduled for collection five working days after the ARUDD report is received.
First payments – First payment days apply, and the date the ARUDD is received counts as day one.
Regular payments – Look-forward days apply.
The calculated date will still be used even if it doesn't fall on one of your usual collection days.
📌Note: If you use configurable represents, you can customise how retries work. This can include controlling when retries are submitted, adjusting notice periods, and setting how many retry attempts are made.
If auto represent is not enabled
Represents aren't enabled on all accounts by default.
If your account doesn't have auto represent enabled, and you don't wish to enable it, you can still collect the missed payment by submitting it as a one-off request.
Please see guide: Request a one-off payment for a contract
📌Note: If you use Xero integration, represents must also be enabled in the Xero middleware.
Stop or disable represents
To stop a specific represent payment before it's collected, please see guide: Delete a pending represent payment.
To disable the represent feature entirely, please contact the Access Digital Assistant and request to speak with a member of the support team.
📌Note: Disabling represents won't stop any payments that have already been submitted to Bacs for processing.
Fees and setup
Represents are charged at the same fee as a standard Direct Debit transaction.
This feature isn't automatically enabled on Access PaySuite DDCMS. If you'd like to enable represents on your account, please contact the Access Digital Assistant and request to speak with a member of the support team.