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CRDB Direct Debit lets you collect scheduled payments from a customer’s CRDB bank account after they approve a mandate. Once the mandate is active, installments are collected automatically according to the schedule you set. Use it through the Merchant Dashboard with Payment Plans, or through the CRDB Direct Debit API for full control in your own systems.
Direct Debit collections appear in your Merchant Dashboard payments list with channel CRDB DIRECT DEBIT MANDATE, and can trigger webhook notifications when payments succeed or fail.

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When To Use It

  • Installment collections: School fees, loans, rent, or other payments spread over time
  • Subscriptions and memberships: Recurring charges on a daily, weekly, monthly, or yearly schedule
  • Customer agreements: Collect from a named customer after they approve the debit on their CRDB account
  • Automated collection: Reduce manual follow-up once the mandate is active

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How It Works

  1. Activate — Enable CRDB Direct Debit in your Merchant Dashboard under Settings → Collection (KYC and activation fee required).
  2. Request mandate approval — Create a Payment Plan in the dashboard, or call the API with the customer’s CRDB account, SimBanking phone number, schedule, and installment amount.
  3. Customer approves — The customer confirms the mandate through CRDB. You receive a status update when it becomes ACTIVE or REJECTED.
  4. Installments collect — While the mandate is active, scheduled debits run automatically. Successful and failed collections are recorded as payments.
  5. Optional cancel — You can cancel an ACTIVE mandate (and the linked payment plan) from the dashboard or via the API.
A CRDB account can only have one mandate at a time. Cancel or complete any existing mandate on that debit account before requesting a new one.

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Mandate statuses

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In the Merchant Dashboard

Set Up Direct Debit

Activate CRDB Direct Debit in Collection settings.

Payment Plans

Create and manage installment plans and mandates.

Customers

View a customer’s payment plans from their customer profile.

Payment Transactions

Track Direct Debit installment payments.

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For Developers

API Overview

Request, query, and cancel mandates with the Collection API.

Webhooks

Receive payment events and mandate status callbacks.