# When Direct Debit deductions happen

> How long bank approval takes, when the first weekly or monthly deduction runs, and what happens when a deduction fails.
>
> Source: https://docs.bcl.my/direct-debit-deductions/

Deductions do not start the day your customer signs up. The bank verifies the application first, then deducts on a fixed schedule that depends on whether the mandate is weekly or monthly.

## After your customer signs up

Every new mandate goes through the same steps:

1. Your customer submits the application and authorises it at their bank. Until they finish at the bank, the status shows **Pending Verification**.
2. The bank verifies it. This usually takes 3 to 5 days. In **Payments** → **Direct Debit**, the status shows **Waiting Approval**.
3. After approval, the status changes to **Active** and the deductions are scheduled.

If the bank rejects the application, the status changes to **Rejected** and the bank takes no money.

## Monthly schedule

For a monthly mandate:

- The first deduction happens in the month after the month of enrolment.
- Each deduction is scheduled for the 3rd to the 5th of the month.
- If a deduction fails, the bank retries once, between the 25th and 28th of the same month.

## Weekly schedule

For a weekly mandate:

- The first deduction happens on a Friday, two weeks after the week of enrolment.
- After that, a deduction runs every Friday.

*(Screenshot: Monthly and weekly Direct Debit timelines, from application and 3 to 5 days of verification to the deduction dates)*

## Check a deduction

Open **Payments** → **Direct Debit** and click **View Details** on the customer's mandate. The details list its deductions in the **Successful**, **Failed** and **New** tabs.

## Common issues

### My customer signed up today. Why is there no deduction yet?

The bank first verifies the application, which usually takes 3 to 5 days. The first monthly deduction runs early in the month after sign-up, and the first weekly deduction runs on a Friday two weeks later.

### What happens if a monthly deduction fails?

The bank retries once, between the 25th and 28th of the same month. Failed and successful deductions both show on the mandate in Payments → Direct Debit.