Customer direct debits
When a vendor has an agreement with a customer to collect payments automatically, the
vendor sends a payment request message to the vendor's bank. The vendor's bank is prompted to
collect the customer payment by requesting money from the customer's bank. Typically, the
communication between the vendor and the bank is electronic.
A remittance advice, manual or electronic, is sent by a vendor to the customer to indicate which invoices are being paid. Typically, they include invoice numbers and invoice amounts.
Australia specifics
Only one file format used for direct entry in Australia. The same format is used for direct crediting and direct debiting. The file format is a fixed record length ASCII format. Llines of information are 120 characters in length. Strings of characters within the line represent specific information.
This list shows the file formats and specifications:
- ANZ Direct Entry System.pdf
- Commonwealth Direct Entry System.pdf
- NAB Direct Entry System.pdf
- Westpac Direct Entry System.pdf