Introduction to Automatic Debit
Automatic Debit is a specialized collection service designed for merchants to automate their recurring billing processes. By utilizing this functionality, you can ensure that payments are collected on their scheduled due dates, significantly reducing delinquency and simplifying your administrative overhead.
This solution allows you to manage the collection of service fees or subscriptions by submitting batch files through the Merchant Portal, ensuring a consistent and predictable cash flow without the need for manual individual transaction entries.
The Operational Workflow
Key Advantages
Automating your collections through this channel eliminates manual intervention in daily billing cycles, allowing your team to focus on higher-value tasks. By ensuring that collection attempts are made automatically on the due date, you improve your authorization rates and liquidity. Furthermore, the system is built for scalability, supporting high-volume operations of up to one million records per file. Using recurring payment logic also ensures that transactions are correctly identified by card brands, which further optimizes the success rate of your billing cycles.
Supported Brands and Methods
The matrix below shows the currently supported brand and card-type combinations for Automatic Debit.
| Visa Credit | Visa Debit | Mastercard Credit | Mastercard Debit | AMEX Optblue | AMEX Switch | Naranja | Cabal |
|---|---|---|---|---|---|---|---|
| ✅ | ✅ | ✅ | ✅ | ❌ | ❌ | ❌ | ❌ |
Operational Standards and Logic
Successful integration with the Automatic Debit service depends on adhering to a set of fundamental processing rules:
- Submission Lead Time: To be included in a nightly processing window, files must be submitted at least 24 hours in advance of the target date.
- Processing Consolidation: Each uploaded file must correspond to a single processing date for all included records.
Next Steps
Use the related guides below to move from overview into day-to-day operation.
- If you are preparing your first batch, read Input File Specifications to validate format, field lengths, and operation values before upload.
- After building your file, follow Uploading and Managing Collection Files to submit it and track the validation outcome in the portal.
- Once processing finishes, use Reconciling Daily Collections to compare totals and download final results.
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