A payer's account can be automatically closed if PayGate receives certain messages from BACS via AUDDIS or ADDACS advices.  PayGate does this to ensure that you keep within the rules of the Direct Debit scheme and helps prevent Indemnity claims against you.

NOTE

Closing a Payer is permanent and irreversible.  You cannot change the status of a closed payer.

Manually closing a Payer

As well as automatic closing you can also manually close a payer.  Manually closing a payer  will place the payer's schedule into a special state.  In the closed state no future collections will be attempted and any current pending AUDDIS messages will be deleted.

1. To close a payer browse to the payer's record in the Edit Payer page. Collections/Payers/EditPayer.
2. Locate the 'Status' drop down box and change it to 'Closed'.
3. Because closing a payer is irreversible, PayGate will ask you to confirm that you want to close the payer.  Click 'Ok' to confirm.
4. Click 'Update Payer' at the foot of the page.

It is easy to determine if a payer is in a closed state.

The status column in the 'View Payer' page shows 'Closed in red next to the payer's name

The payer's record is clearly marked in the Edit Payer page

Viewing the closed payer's collection schedule shows that all future payments are suspended:

A closed payer's details are still stored on the system and will be found in a GDPR search of the system.  To completely remove the payer's data please see this section.