Get paid every month without asking.
For memberships, tuition fees and regular donations. The customer signs up once, the bank approves the mandate, and the deductions run on a fixed schedule.
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What you get
Stop monthly chasing, see who is active and run it all from a regular payment form.
Monthly, until they cancel
Choose weekly or monthly payments. Your customer authorises one time at their bank, and BCL takes the payment on schedule until they cancel.
Its own form, on purpose
Direct Debit has its own form, apart from other payment options. Members sign up for it knowingly, not by accident.
Clear for the member
Before they sign up, the member sees the monthly amount and a note that it is charged every month. The first payment comes in the next month.
Find who is waiting or active
Filter your mandates by status, transaction type and frequency. Waiting Approval shows sign-ups the bank is still checking, which usually takes 3 to 5 days, while Active shows the ones being deducted. Open View Details on any mandate to see each deduction and its history.
What you can do
Pick weekly or monthly, let customers choose a duration, track mandates and send updates to your system.
Weekly or Monthly
Set the Frequency under Direct Debit Settings on the form.
Let them choose how long
Offer Total Recurring Months options such as Never End (Until Cancelled) or 1 year (12 months). The customer picks one when they sign up.
Track each mandate
View Details shows the customer's deductions and Application Histories. View Mandate opens the record on Bayarcash.
Send it to your system
The Direct Debit webhook sends each new mandate and deduction.
Ask your AI
A connected AI agent can look up a mandate by its order number.
Used by
Tuition fees deducted early each month, open-ended gym memberships and monthly donor pledges run on it.
Jobs it helps with
Good to know
Limits to check before you build, and the add-ons that some features need.
- Direct Debit cannot be combined with other payment options on the same form. Make a separate form for one-off payments.
- Affiliates cannot be turned on for a Direct Debit form.
- The bank verifies each sign-up first (3 to 5 days). Monthly deductions start the next month; weekly ones on a Friday two weeks later.
- A failed monthly deduction is retried once, between the 25th and 28th of the same month.
- Direct Debit is listed in Payment Option only when your Bayarcash portal offers it.
See it live
Opens a live example page. Please do not pay.
- Payment form Monthly Membership at Iron Kampung Fitness Direct Debit, monthly Iron Kampung Fitness, a neighbourhood gym selling a monthly membership Open the example
- Payment form Monthly Tuition Fee: Form 3 Maths Single Amount Cerdik Tuition Centre, a tuition centre collecting its RM 120 monthly class fee Open the example
Questions owners ask
Payment option limits, the wait before money moves, missed deductions and whether affiliates can promote it.
Why can't I add FPX or DuitNow QR to my Direct Debit form?
Direct Debit cannot be combined with other payment options. Create a separate form for one-off payments.
My customer signed up today. Why has nothing been deducted yet?
The bank verifies the application first, which usually takes 3 to 5 days. The first monthly deduction runs early in the month after sign-up, and the first weekly deduction runs on a Friday two weeks later.
What happens if a deduction fails?
For a monthly mandate, the bank retries once between the 25th and 28th of the same month. Failed and successful deductions both show on the mandate under Payments → Direct Debit.
Can affiliates promote my Direct Debit form?
No. Affiliates cannot be enabled on a form that uses Direct Debit.
What is BCL, and how does it work with Bayarcash?
BCL is a no-code selling platform for Malaysian small businesses: you build payment forms, payment links, tickets and bookings, share one link and see every sale. Bayarcash is the payment gateway behind it: it collects the payment and pays it out to your bank, minus its fee. To take real payments you need an approved Bayarcash merchant account.
Which payment methods can my customers use?
FPX online banking, DuitNow QR and cross-border QR (Singapore, Indonesia, Thailand and China) come as standard. Cards (Visa and Mastercard), e-wallets (Touch 'n Go eWallet, Boost, GrabPay) and Buy Now Pay Later (SPayLater, PayLater by Grab, Boost PayFlex) appear once Bayarcash switches them on for your account. Prices are in RM.
Step-by-step guides
Set it up with the help pages on docs.bcl.my.
Ready when you are.
Set up your first form today and try it out. When you are ready for real payments, connect Bayarcash and the same form goes live.