Knowledgebase & Support

The Payment by Direct Debit Module in MokoCRM enables automatic collection of payments from customer bank accounts. It generates structured direct debit files (e.g., SEPA XML) for submission to your bank, helping streamline billing for recurring services, subscriptions, or invoice settlements.

The Payment by Direct Debit Module in MokoCRM enables automatic collection of payments from customer bank accounts. It generates structured direct debit files (e.g., SEPA XML) for submission to your bank, helping streamline billing for recurring services, subscriptions, or invoice settlements.

🧾 Enabling the Module

1. Navigate to:
   Home → Setup → Modules → Payment by Direct Debit
2. Click Activate
3. Configure mandate formats, creditor identification (SEPA ID), and default bank accounts

🏦 Setting Up Mandates

1. Ensure each Customer has valid bank details (IBAN/BIC)
2. Create or import a Mandate (authorization) under the customer record
3. Define:
   • Mandate ID (unique)
   • Signature date
   • Type (one-time or recurring)
4. Save and validate the mandate

📥 Generating Direct Debit Files

1. Go to Bank & Cash → Generate Direct Debit File
2. Select:
   • Customer Invoices to collect
   • Bank account to receive payment
   • Execution date
3. Generate the SEPA-compatible file and download for submission

📨 Submitting to Bank

• Upload the XML file to your online banking system or submit via secure channel
• After processing, mark invoices as paid in MokoCRM
• Track successful and failed debits in payment history

🔗 Integration With Other Modules

• Customer Invoices: Used as the source for debit requests
• Contracts: Supports recurring billing via mandate-linked invoices
• Banks and Cash: Receipts are logged against designated bank accounts
• Accounting: Automatically reflects collected payments in ledgers

📊 Reporting and Compliance

• Track mandates and debit status per customer
• Export payment records for reconciliation and compliance review
• Maintain audit trail of generated files and payment outcomes

📌 Best Practices

• Ensure all mandates are signed and stored before initiating debits
• Use unique Mandate IDs for traceability
• Set calendar reminders for SEPA file generation deadlines
• Monitor for returned or rejected debits promptly
• Secure access to mandate and payment tools to authorized finance staff only