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.
📌Note: Configurable Represents can be enabled directly by a Client Admin, with no need to contact Support. As this is a chargeable feature, a notification will be displayed before it is enabled.
Set up and manage retries
Once Configurable Represents has been enabled, retry settings can be accessed from View Client Details in the Quick Search panel on the left-hand side of the screen. This option is available across areas such as Schedules, Communications, Bacs, and Cancellation Templates. If you are working in the Customers tab, the Quick Search panel will only appear after opening an individual customer profile.
From here, retry settings can be configured.
Retry behaviour is controlled using two settings:
Retry delay days – the number of working days the system waits after a payment fails before attempting the retry.
Failed payment retries – the total number of times the system will retry a failed payment.
📌Note: Both fields must be completed before the Save Retry Settings button becomes available. A warning will also appear if your selected settings could exceed the Bacs one calendar month limit.
Once saved, these settings allow eligible failed payments to be retried automatically and included in the next Bacs submission file, with no further action required.
Manually re-present failed payments
Failed payments can be manually re-presented 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.
📌Note: 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.