#david2_achdebit-mandate

1 messages · Page 1 of 1 (latest)

rapid kettleBOT
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gritty depot
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david2_achdebit-mandate

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@latent onyx I don't fully understand the question the way it's framed. But let me try to reword a bit to see if that helps

If a Customer already came to your website and paid with their bank account details you should already have a saved PaymentMethod pm_12345 for them that you can re-use. In that case you know you have their bank account details since you have that PaymentMethod pm_1234

latent onyx
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Yes perhaps I'm just over thinking this ... like customer comes back and deletes this payment method for whatever reason, and then re-adds it a week later, I would simply show the mandate again.

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Oh is the article saying "a mandate is only required when collecting the information, not when applying the collected information to make a purchase"

gritty depot
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It's saying kind of neither of this 😅

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A Mandate is required, a Mandate proves you collected the consentment to debit their bank account for a payment.

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Sorry you are over thinking this a bit and I'm trying to figure out how to fix this without writing 20 paragraphs

latent onyx
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You only need to display a mandate the first time you collect a customer’s bank account.
To rephrase, when is the 2nd time I would collect a bank account?

gritty depot
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Do you show "saved payment methods" to your end customers? Do you do "off session payments" where they aren't around? There's a lot of "it depends" here

latent onyx
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Yes we offer up the saved payment methods, and most are off session.

gritty depot
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Gotcha, so you do know if you already have a bank account collected and you do know if you already have a Mandate right?

latent onyx
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Yes, but not if they deleted/detached that payment method. In which case, if they add it again, I reckon we treat it as if it is the first time, again.

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well, I think that answers it, thanks.