{"id":281552,"date":"2024-08-23T15:39:11","date_gmt":"2024-08-23T03:39:11","guid":{"rendered":"https:\/\/www.reckon.com\/nz\/?post_type=sbh&#038;p=281552"},"modified":"2024-10-08T11:31:43","modified_gmt":"2024-10-07T23:31:43","slug":"direct-debit","status":"publish","type":"sbh","link":"https:\/\/www.reckon.com\/nz\/small-business-resources\/invoicing\/direct-debit\/","title":{"rendered":"What is direct debit?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23&#8243; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.23&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; module_class=&#8221;table-contents&#8221; _builder_version=&#8221;4.23&#8243; background_color=&#8221;#f4f4f4&#8243; custom_padding=&#8221;25px||25px||true|false&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;section&#8221; sticky_position_tablet=&#8221;top&#8221; sticky_position_phone=&#8221;none&#8221; sticky_position_last_edited=&#8221;on|desktop&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; border_radii=&#8221;on|24px|24px|24px|24px&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.23&#8243; text_font=&#8221;||||||||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;on|desktop&#8221;][\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Copy paste body text here&#8221; _builder_version=&#8221;4.27.0&#8243; header_2_font_size=&#8221;32px&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;26px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">What does direct debit mean? Why should you consider this type of payment collection for your NZ small business?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Direct debit refers to the practice of taking credit card or bank account details from a customer and setting up a recurring and automated payment schedule.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The agreed payment will be set to repeat on a pre-arranged timeline \u2013 usually monthly or weekly.<\/span><\/p>\n<h2><strong>Benefits of direct debit<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">If you run a business with a model that lends itself to regular payments, particularly with set pricing, you may wish to consider the benefits of offering this type of payment solution.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What kinds of businesses would benefit most from direct debit?<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">gyms or fitness classes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">sport clubs or facilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">legal services or business advisors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">health services such as massage or physiotherapy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">subscription services of any kind<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">software<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">home delivery such as food or produce<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">childcare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">rental services\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">freelance and general contractors<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">One of the most obvious benefits of direct debit is surety of payment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can depend on being paid a set amount for your products or services at regular intervals. This not only ensures you receive immediate compensation for work completed or goods provided, but it also helps you forecast cashflow better.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another advantage to direct debit is that of \u2018inertia\u2019. You remove the constant decision-making process and instead the customer will have to make a conscious choice to <\/span><i><span style=\"font-weight: 400;\">stop<\/span><\/i><span style=\"font-weight: 400;\"> services.<\/span><\/p>\n<h2><strong>Invoicing vs direct debit<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">If your business model is one which would regularly invoice a bill to clients, you may find that direct debit is a much more suitable method.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The drawbacks of invoicing:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you\u2019ll have to send out each invoice individually<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you\u2019ll need to wait lengthy periods of time for your client to arrange payment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you may need to chase unpaid invoices repeatedly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you run the risk of \u2018bad debts\u2019 and unpaid work<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you\u2019ll have higher administrative and reporting burdens<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Direct debit solves all these issues. You never have to wait for payment or have to undertake manual processes.<\/span><\/p>\n<h2><strong>What is a variable direct debit?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">While set pricing and regularity lend themselves perfectly to direct debit payment collection, many overlook how versatile direct debit can be.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With variable direct debit, you gain authorisation from your customer to debit variable amounts depending on what was used by the client or delivered by your business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Think about your phone or electricity bill \u2013 while the monthly amount you\u2019re charged for can vary, you don\u2019t have to authorise every payment.<\/span><\/p>\n<h2><strong>Difference between direct debit and automatic payment<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">What are the differences between direct debit and automatic payment? These two terms essentially refer to the same practice but from different perspectives.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While direct debit is initiated by the business receiving payment, an automatic payment is a recurring expense set up and controlled by the individual or customer through their own bank account.<\/span><\/p>\n<h2><strong>How to set up direct debit<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">There are two primary options when setting up direct debit for your small business.<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">You can set it up and manage it yourself through your bank.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">While you can manage the entire process yourself, there are also a range of dedicated direct debit providers in New Zealand who will manage the direct debit process on your behalf.\u00a0<\/span><\/li>\n<\/ol>\n<h2><strong>Manage direct debits directly from your invoicing software<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">The most efficient way to manage a direct debit service is by linking it with your <\/span><a href=\"https:\/\/www.reckon.com\/nz\/accounting-software\/\"><span style=\"font-weight: 400;\">accounting<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/www.reckon.com\/nz\/accounting-software\/invoices\/\"><span style=\"font-weight: 400;\">invoicing<\/span><\/a><span style=\"font-weight: 400;\"> software. This allows to you record and report on your cashflow and manage compliance tasks such as GST, while keeping your business finances and bank feeds under one roof.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Hopefully you now have a better understanding of what direct debit is, the benefits of direct debit and ways to go about it. You should now be able to make a clear decision on whether or not direct debit is a suitable payment solution for your small business.<\/span><\/i><\/p>\n<p>[\/et_pb_text][ba_social_share icon_bg=&#8221;#03002e&#8221; icon_padding=&#8221;10px|12px|10px|12px|true|true&#8221; layout=&#8221;classic&#8221; show_text=&#8221;off&#8221; btn_padding=&#8221;0px|0px|0px|0px|false|false&#8221; btn_bg_color=&#8221;RGBA(255,255,255,0)&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;50px||||false|false&#8221; custom_padding=&#8221;25px||||false|false&#8221; custom_css_before=&#8221; content: %22SHARE THIS%22;|| font-size: 16px;|| font-weight: 700;|| line-height: 22px;|| letter-spacing: 0em;|| text-align: center;|| color: #ff5447;|| margin-bottom: 10px;|| display: inline-flex;|| position: absolute;|| margin-top: 10px;&#8221; border_width_top_main=&#8221;1px&#8221; border_color_top_main=&#8221;#e4e4e4&#8243; border_radii_icon=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221; custom_css_before_last_edited=&#8221;off|desktop&#8221;][ba_social_share_child _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;facebook&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;linkedin&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;email&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][\/ba_social_share][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Direct debit is an important facility used when running your business. Read on to find out how you can make it work for your small business.<\/p>\n","protected":false},"author":6,"featured_media":281080,"menu_order":0,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"sbh_category":[105],"class_list":["post-281552","sbh","type-sbh","status-publish","format-standard","has-post-thumbnail","hentry","sbh_category-invoicing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is Direct Debit? | Small Business Resources | Reckon NZ<\/title>\n<meta name=\"description\" content=\"Direct debit is an important facility used when running your business. 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