Configurable Represents allows you to retry Direct Debit payments that fail due to insufficient funds (ARUDD code 0). It gives you control over how many times payments are retried and how long to wait between attempts, helping improve collection success and reduce manual follow-up.
đNote: Configurable Represents can be enabled and managed by Client Admin users. As this is a chargeable feature, a notification will be displayed before the feature is enabled.
Enable Configurable Represents
Retry settings can be accessed from View Client Details in the Quick Search panel. This option is available from the Schedules, Communications, Bacs, and Cancellation Templates tabs. If you are working in the Customers tab, open the customer profile first to display the Quick Search panel.
To enable Configurable Represents:
Select View Client Details from the Quick Search panel on the left-hand side.
Click Allow retry of Unpaid payments.
đNote: Configurable Represents is a chargeable feature costing ÂŁ10 per month when enabled. This charge applies whether or not retries are used. Select Confirm to enable the feature, or Cancel to return.
Enter the required values:
Failed payment retries - the number of times the system will automatically retry an eligible failed payment. Enter a value between 1 and 3.
Retry delay days - the number of working days the system waits before retrying a failed payment. Enter a value between 5 and 20.
Select Save Retry Settings.
Both fields must be completed before the Save Retry Settings button becomes available. A warning is displayed if your selected combination of retry attempts and delay days could cause a retry to exceed the Bacs one calendar month limit from the original payment date.
Once saved, eligible failed payments are automatically retried and included in the next available Bacs submission file. No further action is required.
Manually represent failed payments
Failed payments can be manually represented from the Payment History tab within a customer record.
Within the CUSTOMERS tab, find the customer by searching any of the fields.
Click View Customer eye icon, this opens the customer's PROFILE.
Click the customer's PAYMENT HISTORY tab.
đNote: Only payments returned with ARUDD code 0 and within one calendar month of the original payment date can be retried. All retries must be scheduled within this timeframe.
Locate the failed payment and click the button beneath Represent.
This opens the Schedule Retry Payment screen, showing:
Payment reference
Original due date
Payment amount
Use the date picker to select a new collection date, within the allowed timeframe.
Click Submit to schedule the retry.
When a retry is submitted:
A new payment is created with a Pending status
The original payment is marked as Represented
The retry is then automatically included in the next Bacs submission file.