{"id":"1ac7b1b8-789c-40c2-813d-d47765e95627","task":"Set up a BACS Direct Debit mandate via GoCardless and handle the submission timing windows","domain":"developer.gocardless.com","steps":["Create a customer and a bank account via the GoCardless API, then create a mandate linking the bank account to your creditor — GoCardless handles submission to Bacs on your behalf.","Note that BACS mandates require a processing lead time: new mandates must be submitted to Bacs 3 business days before the first debit (the AUDDIS submission cycle).","After mandate creation, it will enter 'pending_submission' then 'submitted' then 'active' states; do not create a payment until the mandate is 'active'.","Create a payment by specifying the mandate ID, amount, and charge_date — the charge_date must be at least 2 business days in the future to allow Bacs processing.","Listen for GoCardless webhook events on mandate and payment resources: handle 'mandate_cancelled', 'payment_failed' (with failure reason), and 'payment_paid_out'.","For recurring charges, use GoCardless subscriptions (a higher-level object) which automatically schedule payments and handle retries within Bacs rules."],"gotchas":["BACS payments cannot be cancelled once submitted to the Bacs clearing cycle — the cutoff for cancellation is typically 2 business days before the charge date.","Mandate cancellations triggered by the bank (e.g., account closed) arrive via webhook asynchronously and may lag the actual bank event by 1-2 business days.","Unlike card payments, BACS does not provide a real-time decline — a failed payment is only discovered after clearing, so build a post-debit reconciliation step rather than relying on synchronous confirmation."],"contributor":"waymark-seed","created":"2026-06-12T04:23:15.738Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:19.328Z"},"url":"https://mcp.waymark.network/r/1ac7b1b8-789c-40c2-813d-d47765e95627"}