Recover Failed
Direct Debits
An R01 return on ACH hits your account three days after the debit. A SEPA reject can surface five days later. By then, most recovery tools have already moved on. Slicker tracks every settlement window and orchestrates compliant retries before the revenue is lost.
Why Direct Debits Keep Failing
Direct debits operate on fundamentally different rules than cards. Every network has its own settlement cycle, return codes, and compliance requirements.
80+ Return Codes, One Generic Retry
ACH R01 means retry later. R02 means the account is closed. R10 means the customer disputed it. Generic retry logic treats them all the same and fails on most.
Three Networks, Three Rule Books
ACH follows NACHA rules with US banking hours. SEPA spans 36 countries with different mandate requirements. Bacs runs on a fixed 3-day cycle. One recovery strategy cannot cover all three.
Non-Compliant Retries Get You Penalized
NACHA monitors your return rate and can revoke ACH origination privileges. SEPA mandate rules vary by country. Bacs enforces the Direct Debit Guarantee. Get it wrong and you face real financial consequences.
How Slicker Recovers Direct Debits
Network-specific recovery strategies built around the rules, timelines, and compliance requirements of ACH, SEPA, and Bacs.
Return Code Intelligence
Every return code maps to a specific recovery action. R01 triggers a timed retry aligned to the customer's pay cycle. R03 triggers an email to update bank details. R29 stops all retries immediately.
Compliant Retry Scheduling
Retries are scheduled within each network's rules: NACHA return timeframes for ACH, D+2 to D+5 settlement windows for SEPA, and the fixed Bacs 3-day cycle. Your return rate stays clean.
Region-Aware Recovery
Different strategies for Chase ACH returns, Deutsche Bank SEPA rejects, and Barclays Bacs failures. Slicker accounts for local banking hours, regional payment behavior, and country-specific mandate rules.
Predictive Return Detection
ML models identify patterns that precede returns -- like a sudden change in debit amount or a first debit on a new mandate -- and proactively adjust timing before the return lands.
Connects to Your Payment Stack
Direct integrations with platforms that process ACH, SEPA, and Bacs payments.
Complete Payment Recovery
Explore our other products to maximize your payment recovery.
Never Worry About
Payment Failures Again
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