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"Direct Debit" Payment Method?

Submitted by Stephan_M on Fri, 02/01/2008 - 08:36
Stephan_M
Posts: 27
 Joined: 01/31/2008

Hello,
Is there a way to let customers choose "direct debit" as a payment method? Has anybody done this already?

If the customer chooses "pay per direct debit", a field would pop up where he would be required to enter his bank-account details into a secure form and then be able to submit his order.

His entered data would have to appear in the final order overview for the customer, and the shopadmin would have to see it in shop administrations order list.

regards,
Stephan
permalink #1 Fri, 02/01/2008 - 10:42
Ryan

Posts: 4700
 Joined: 08/07/2007
AdministratorHead Code Monkey - I eat bugs.

Hasn't been done yet, but that was the logic behind my decision to separate payment methods from payment gateways. Basically, if someone were to create this sort of bank draft payment method module, then for any payment gateway that supports this sort of payment you could add the functionality to the payment gateway's module.

permalink #2 Fri, 02/01/2008 - 19:22
Stephan_M
Posts: 27
 Joined: 01/31/2008

Thank you for your reply, Ryan.

(Too bad! We a are a small publisher and sell magazines and magazin-subscriptions. Magazin subscriptions are often payed per direct debit.)

permalink #3 Fri, 02/08/2008 - 16:03
clemens.tolboom...
Posts: 37
 Joined: 11/16/2007

What is needed to build a "direct debit" payment method. That is without a payment gateway.

Maybe we could join forces to build this? I'm new to ubercart but able to program.

My thought are:
- create uc_direct_debit.module for providing a payment methode
- define an Direct debit API (DD-API)
- build modules for interfacing this DD-API. (I need a dutch clieop3.module copy/paste to bank web interface)

Am I on the right track for this? And what modules should I study to get this going?

Regards,
Clemens Tolboom

permalink #4 Thu, 02/14/2008 - 07:49
Stephan_M
Posts: 27
 Joined: 01/31/2008

Hello,
thanks for joining, Clemens. AS i can't program, i can help with thinking stuff through, suggestions and testing.

I'd start with taking the UC_bankdeposit module and model it into a direct debit module.
The bankdeposit-module is simple and doesn't do awfully much - in checkout it pops open a field where the customer gets presented the shops bank-account-details where to send the money to.

A directdebit module, instead of presenting the customer a bank acount, would have to ask for the customers acount details with some form fields. A checkbox ~"I agree to give [Shop-title] bank direct debit" might be in order.

Those entries would have to be passed to the checkout and also be in shop-administrations order overview.

permalink #5 Fri, 02/15/2008 - 05:43
clemens.tolboom...
Posts: 37
 Joined: 11/16/2007

Hi Stephan,

i'm about to start building! Can you sketch your situation especially on the payment side.

Customer Flow:
1. Fill Cart
2. Checkout with agreement of a Direct Debit
3. Order: status? state? ... we need a few status like pending, denied, retracted, credited?, final credit. (Customer can retract a payment next 3 weeks in The Netherlands)
4. When to send order???

Payment Flow (dutch: clieop3.module)
Sending DDs
1. add debit line to batch
2. Prepare batch
3. Submit batch to bank (by hand through https shop owner bank account)

Receiving statuses
1. Get status (by hand ... shop owner bank account)
2. Update order status

Some imagery would be welcome. And can you please send your email for faster communication through my drupal contact page http://drupal.org/user/125814

Regards,
Clemens

permalink #6 Fri, 02/15/2008 - 06:19
Stephan_M
Posts: 27
 Joined: 01/31/2008

YoW! That's great! Will answer soon.

permalink #7 Fri, 02/15/2008 - 16:22
Stephan_M
Posts: 27
 Joined: 01/31/2008

Sketch of checkout pane of "Direct Debit Module"

_[V]__ *Direct Debit* ____________________________________________________________________

Debit authorization with right of objection

--CREDITOR--
[Shop-Owner], [Shop-Adress]

--ACOUNT TO CHARGE--
Account holder: _ _ _ _ _ _ _
Name of bank: _ _ _ _ _ _ _ _
Branch office: _ _ _ _ _ _ _ _
Bank clearing no. (if known): _ _ _ _ _ _ _
Postal code and City: _ _ _ _ _ _ _
IBAN or: _ _ _ _ _ _ _ _ _ _ _ _ _
Account no.: _ _ _ _ _ _

--ADRESS OF ACOUNT HOLDER--
[ ] Account information is the same as the delivery information. (closes
Name: _ _ _ _ _ _
Surname:_ _ _ _ _ _
Street:_ _ _ _ _ _
City:_ _ _ _ _ _
PostalCode:_ _ _ _ _ _
Region:_ _ _ _ _ _
Country:_ _ _ _ _ _

[ ] (Checkbox) I hereby authorize my bank to deduct debits in [currency] from the above-listed creditor directly from my account until this authorization is revoked. My bank is not liable to charge my account if the amount is not covered. For each direct debit i receive a debit note from my bank. Any debit will be charged back if i send back a signed debit advice to my bank within 8 weeks.

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