Say yes once. Get paid every month.
Your customer authorises once at their bank. After that, the same amount is deducted weekly or monthly.
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Before & after BCL
Swap the monthly reminder routine for a bank mandate that keeps paying on the same date.
How it works
Pick Direct Debit on a normal form, choose weekly or monthly, then track each mandate.
What you can do
Weekly or monthly schedules, one-time authorisation, a mandate list and retries when a deduction fails.
Weekly or Monthly
Choose the Frequency that fits your fee. Monthly forms can have a fixed number of months or run until cancelled.
Authorise once
The customer approves the mandate on their bank's online banking page.
Every mandate in one list
See applications, active mandates and deductions, with Application Histories for each customer.
Failed deductions
For a monthly mandate the bank retries once between the 25th and 28th of the same month.
Webhook
Send each new mandate and deduction to your own system.
Who uses it
Gyms, tuition centres and charities use it for memberships, monthly tuition and regular donors.
How your customers pay
Direct Debit deducts from the customer's bank account. It cannot be combined with other payment options, so keep a separate form for one-off payments.
It works only when your Bayarcash portal offers Direct Debit. Real payments need an approved Bayarcash account.
- Standard
- Cards
- E-wallets
- Buy Now, Pay Later
- Cross-border QR
- Recurring
Good to know
Limits to check before you build, and the add-ons that some features need.
- Frequency is Weekly or Monthly only.
- Direct Debit cannot be combined with other payment options, and affiliates cannot be turned on for the form.
- Deductions do not start on the day of sign-up. The bank first verifies the application, which usually takes 3 to 5 days.
- The first monthly deduction is in the month after sign-up. The first weekly deduction is on a Friday, two weeks after the week of sign-up.
- A rejected application shows Rejected and no money is taken.
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
Covers first-deduction timing, adding FPX or DuitNow QR, and what happens when a deduction fails.
Why has nothing been deducted yet?
The bank first verifies the application, which usually takes 3 to 5 days. The first monthly deduction runs early in the month after sign-up. The first weekly deduction runs on a Friday two weeks later.
Can I add FPX or DuitNow QR to a Direct Debit form?
No. Direct Debit cannot be combined with other payment options. Make a separate form for one-off payments.
What if a monthly deduction fails?
The bank retries once, between the 25th and 28th of the same month. Both the failed and the successful deductions show on the mandate.
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.
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.