How does direct debit work in our context?

The process is:

1. You invite the customer to create a mandate (authorization) for you to debit their bank account. 
2. The account is validated (to ensure it’s correct and active) and the mandate is stored. 
3. On each scheduled collection (or one-time), you initiate a debit instruction under the mandate.
4. Funds are pulled from the customer’s bank account and settled into your merchant account as per schedule.