The purpose of this article is to detail the auto-debit payment queue criteria and discuss when a customer is eligible to appear in this queue as well as how the queue presents the customers to your users.

Overview

First, note that customers are not automatically auto-debited unless specifically set up to do so in your portal.

The auto debit queue (Customers -> Auto Debit Queue) returns all customers who are currently eligible for an auto debit to be drafted. The 'Auto Debit Date' is the date on which the customer would have become eligible based on current information. There will be 1 row in the auto-debit queue for each eligible customer, even if they have more than 1 due statement. The Auto Debit Date will be earliest of all the eligible Auto Debit Dates for that customer, and the Amount contains the sum total of each eligible statement's balance due.

Upon execution, the system attempts to draft an auto debit payment for each customer in the queue.

All auto-debit payment eligibility is based on the statements on each parent/standard customer. If there is no recent statement with a balance due on a customer, the customer won't be eligible for an auto-debit, even if the customer has a balance due to the existence of unposted transactions.

Navigating to Customers -> Auto Debit Queue checks for eligible customers in the system in real-time. As live data affects this queue, changes made to payment accounts, auto-debit scheduling, and the creation of new statements with historic due dates will affect which customers can appear in this queue retroactively and immediately.

By default, the total auto-debit payment amount must exceed $5.00 in order for the customer to be eligible. Note that customers' payment accounts may have their 'auto debit day' overridden at the customer-level; this overridden value will be referred to as 'customer auto debit day override'. If no auto-debit scheduling overrides are set, the expected next auto debit date is the statement's due date.

Technical Explanation of Auto-Debit Scheduling

By default, the next auto debit date of a customer is determined in 2 different ways depending on whether the customer's auto debit day was overridden or not:

1. When the 'Customer Auto Debit Day Override' is greater than 0 (not set to default on the customer's Manage Payment Accounts page):

  • The customer's status must be 'OPEN'
  • There must be an outstanding balance on the statement ($5.00 by default).
  • If the statement creation date with the 'customer auto debit day override' in place of its day of month is less than the statement's actual created date, a month is added to this date. Otherwise, the next scheduled auto debit date is set to the statement's created month and year, with the 'customer auto debit day override' used as the day of month to schedule the auto-debit.

2. When the 'Customer Auto Debit Day Override' is 0 or Default:

  • The customer's status must be 'OPEN'
  • There must be an outstanding balance on the statement ($5.00 by default).
  • The expected next auto debit date is the statement's due date.

When number 2 is true, our customers have the ability to apply a global 'auto debit modifier' to all next auto debit dates in the queue. For example, if number 2 is true, a statement is due on 8/10/2016, and this global 'auto debit modifier' is set to 14, then that statement won't actually be eligible to appear in queue until 8/24/2016. This modifier can also be a negative number of days. Please contact your account manager to inquire further.