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Frequently Asked Questions (FAQs)
Is partial debit available with Remita Direct Debit?
No it is not possible to make partial debit on Remita but the merchant can dechunk the mandates by creating smaller debits.How many times would Remita attempt to debit the customer’s account in a day
Ignite attempts debit twice in a day so this means we issue a debit instruction to Remita on Ignite twice a day. When we issue a debit instruction, it's then up to Remita to keep attempting debit on the account until it's successful and they notify us.
Can the customer disable the direct debit mandate on their account and if they do will the merchant be notified?
No customers cannot disable a direct debit mandate once they activate it. Direct debits can be deactivated on three instances.
i).Once all the loan repayments have successfully been completed
ii). If the loan has been closed
iii). When the merchant does cancel the mandate.
For merchants using manual approval, will the loan be automatically disbursed when Remita DD mandate is activated or will the Merchant be able to Approve and disburse the loan manually.
Once the trigger to Disburse the loan is initiated, a mandate is created but that loan will not disburse until the mandate is activated. Upon mandate activation, the loan is automatically disbursed. For merchants who use an approval workflow with a manual Disburse step, the mandate is created after the Disburse step is done.
If the merchant adjusts the loan amount and tenor after the Remita mandate has been generated, will it be reflected in the Remita mandate
No. Once a mandate is created, updates to the loan will not reflect on the mandate. Please note that a mandate is created for a specific amount and the total debit that can be done with that mandate can not exceed the total mandate amount (the total debit can be lower than the total mandate amount). It is not advisable to make updates to a loan that has a mandate attached.