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# Direct debit and payment collection

SEPA direct debit and collection via payment service providers in 365 business Banking: from mandate and prenotification to returns.

With 365 business Banking, you collect payments from customers in two ways: by SEPA direct debit through your bank based on a signed mandate, or through a payment service provider such as PayPal, Stripe or Adyen with a stored payment method. This page describes both methods.

## Routes at a glance

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      title: "SEPA direct debit in the cash receipt journal",
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      eyebrow: "PayPal, Stripe, Adyen",
      title: "Collect payments via payment service providers",
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## SEPA direct debit process

1. **Mandate**: The customer signs a [SEPA direct debit mandate](../payment-types/direct-debit.mdx) for one of their bank accounts.
2. **Suggestion**: In the [cash receipt journal](../cash-receipt-journal.mdx), **Suggest Direct Debits** creates lines for the due invoices, with a collection date that meets the bank's [lead time](lead-times.mdx) and leaves the payer the prenotification period.
3. **Prenotification**: The payer is informed of the amount and collection date. See [Direct debit prenotification](prenotification.mdx).
4. **Carry out**: **Carry Out Direct Debit** hands the direct debits to the bank and advances the mandates' counters.
5. **Post**: The receipt is posted once the lines have the status *Completed*. **Carry Out Direct Debit and Post** performs both steps in one operation with every bank connection. Lines that still wait for the bank's status report (EBICS) stay in the journal with a notice.
6. **Return**: You assign a returned direct debit in bank reconciliation. See [Returned direct debits](../bank-reconciliation/returned-direct-debit.mdx).

## Behavior per bank connection

| Bank connection | SEPA direct debit | What happens after carrying out |
|---|---|---|
| **PSD2/XS2A via finAPI** (*SEPA Bank Account*) | depending on the bank | authorization in your bank's web form, for example with a TAN |
| **EBICS** (*SEPA Bank Account (EBICS)*) | yes | pain.008 file is submitted with your signature; status *Pending* until the bank's status report is received. See [Payments via EBICS](../connections/ebics/payments.mdx) |
| **camt/pain file** (*Bank Account (pain File Export)*) | yes, only in the *SEPA* payment scheme | pain.008 file to upload in online banking; *Completed* only means that the file was created. See [Export a payment file as a pain file](../connections/iso20022-file/export-payment.mdx) |
| **Payment service providers** (PayPal, Stripe, Adyen) | not available | collection with a stored payment method instead of a mandate: when posting, from the invoice, in batches or in the cash receipt journal. In the cash receipt journal, **Carry Out Direct Debit** collects every line whose posting date is reached; the SEPA checks (mandate, euro, partner type, lead time, prenotification, VoP) do not apply, instead the provider's customer bank account needs a successful payment authorization. See [Collection via a payment service provider](../cash-receipt-journal.mdx#collection-via-a-payment-service-provider) and [Collect payments via payment service providers](../payment-services/collect-payment.mdx) |

Which types of direct debit (CORE, B2B, collective) your bank allows for an account is shown in the **Capabilities** FactBox on the bank account card, see [Bank account capabilities](../bank-accounts/capabilities.mdx). Via EBICS and file, you carry out CORE and B2B direct debits separately, because a pain.008 file contains only one of the two schemes. See [Sequence type and scheme in the pain.008 file](../payment-types/direct-debit.mdx#sequence-type-and-scheme-in-the-pain008-file). For an overview of all functions per connection, see [Bank connections](../connections/index.mdx).

## Settings in one place

The direct debit settings are in the **Banking Setup**, **Direct Debit** FastTab: **Prenotification Mandatory**, **Prenotification Lead Time (Days)**, **Direct Debit Mandate Validity**, **Direct Debit Return Invoice Action**, **Direct Debit Return On Hold Code**, **Direct Debit Return Payment Method Code** and **Direct Debit Return Fee Action**. The fields are described in [Banking Setup](../setup/banking-setup.mdx).

## See also

- [Outgoing payments](../bank-payment.mdx)
- [Incoming payments and bank reconciliation](../bank-reconciliation.mdx)
- [Payment service providers](../payment-services.mdx)
- [SEPA direct debit in the cash receipt journal (new feature)](../features/details/sepa-direct-debit-cash-receipt.mdx)