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Why was my donors charged today when they selected another payment day for Direct Debit?

Question
I selected a specific day of the month (e.g. the 1st) for my recurring payment, but when I chose Direct Debit, I was charged immediately. Why didn’t it wait until the selected date?

Short Answer
This is expected behaviour for Direct Debit payments and is not a system error.

With Direct Debit (bank account payments), the first payment is processed immediately when a donor sign up. The selected “Day of Month” applies to future recurring payments only.

Why

When setting up a recurring Direct Debit, there are two separate steps:

  1. Mandate / authority creation (permission to debit the bank account)
  2. Ongoing scheduled debits

Because bank debits (e.g. BECS in Australia) involve bank file processing, clearing timeframes, and validation periods, most gateways treat the first transaction as:

The initial payment + confirmation of the debit authority

For example: 

  • You sign up on 16 February
  • You select 1st of each month as your payment day

What happens:

  • 16 Feb → Initial payment is processed
  • 1 Mar → First scheduled monthly debit occurs

The Day of Month setting controls future payments — not the initial one.

This approach ensures:

  • The payment authority is validated immediately
  • The organisation begins collecting right away
  • There are no long gaps before the first payment

 

🔵 Why Credit Cards May Behave Differently

Credit card payments operate differently because they:

  • Authorise in real time
  • Don’t require bank file batching
  • Don’t have the same clearing and return windows as Direct Debit

Depending on configuration, credit card recurring payments may:

  • Start immediately and recur monthly from that date
  • Or wait until the selected future date

Direct Debit rails, however, are less flexible due to banking processes.

 

 

Updated at February 16th, 2026

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