Cancel Mandate RESTful API

API Details

How a Mandate/DDI can be cancelled varies between the SEPA and Bacs schemes.

Common to both schemes:

  • It is only possible to cancel a mandate/DDI that is in ACTIVE status.
  • Any READY FOR EXPORT Direct Debit transactions linked to a cancelled Mandate/DDI are automatically revoked.
  • No further collections may be made against a cancelled mandate/DDI.

In SEPA If you want to engage with your payer at a later point, and want to collect direct debit payments once again, you will need to create a new mandate.

In Bacs, it is possible for your payers to reinstate a cancelled DDI through their bank, provided that the DDI was cancelled within the last 2 months. Where this happens, Nuapay will receives a code “R” in an ADDACS file and will set the DDI status back to ACTIVE. See the ADDACS Reason Codes for more information.

SEPA Mandate Cancelation

In SEPA:

  • A mandate may only be cancelled by the merchant.
  • If payers want to cancel their mandates they must contact the merchant and request this.
  • Mandate cancellations are always merchant-initiated.

Bacs DDI Cancelation

In the Bacs scheme, payers may cancel their DDIs by:

  1. Contacting you, the merchant, and requesting that you cancel the DDI.
  2. Contacting their bank and requesting the cancellation.

CONTACTING YOU - Merchant-Initiated

Where the payer contacts your support team or Account manager and requests the cancellation:

  • Call the Cancel DDI endpoint; the DDI is cancelled in Nuapay.
  • This update in DDI status automatically triggers a status update from Nuapay to the Bacs scheme (via an AUDDIS message: Bacs code OC).
  • The payer’s bank processes this update from Nuapay (via the scheme) and updates the DDI status to Cancelled on its systems.

CONTACTING THE BANK - Payer-Initiated

Where the payer goes directly to the bank to request the DDI cancellation:

  • The Payer requests the bank to cancel the DDI that was set up with your business.
  • The bank will cancel the DDI and issue a message to the Bacs scheme to notify Nuapay via an ADDACS notification (Bacs Code = 1).
  • Once Nuapay processes the ADDACS file, the DDI is updated to CANCELLED status; you will generally be unable to make collection against that DDI in future.
  • (In some cases your payer may look to reactivate the mandate: this can be done if they request reinstatement at their bank within 2 months of the cancellation).