# 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.

## ACH Direct Debit

### Authorization Form

**ACH**  
🇺🇸  
**Mandate Ref.**  
MNDT-2024-8294  
**Creditor ID**  
CRED-US-00472  
**Debtor Bank Account**  
Chase  
RTN021000021/****6721  
**Amount**  
$149.00  
**Frequency**  
Monthly  
**Authorized**  
Jan 15, 2024  
**Signature**  
ACTIVE  
VERIFIED

### 80+ Return Codes Mapped to Actions
- 36 SEPA Countries Covered  
- 3 Networks Supported  
- 24/7 Settlement Monitoring

## 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.

### Stripe

Recover failed ACH and SEPA payments processed through Stripe, with full return code visibility and retry control.

### Adyen

Handle ACH, SEPA, and Bacs failures through Adyen with multi-network error analysis and compliant retry scheduling.

### Braintree

Recover ACH and direct debit payments routed through Braintree with gateway and processor-level error data.

### Recurly

Automatically recover failed direct debit subscription payments managed in Recurly across all supported networks.

## Complete Payment Recovery

Explore our other products to maximize your payment recovery.

### Smart Retries

AI-Powered Optimization for every failed payment, we answer three questions: whether to retry, when to retry, and how much to retry. Our ensemble of machine learning models reads network-level messages, gateway error codes, and customer behavioral signals.

### Dunning Emails

Hyper-Personalized Messaging tailored to the failure reason, sequence stage, and required action. We only reach out when customer action is the only path to recovery.

### Evaluation

Unrivaled Transparency. We run rigorous AABB testing to guarantee statistically significant results.

> 1M  
Recovered payment failures  
> 20%  
Recovery rate uplift  
<5min  
Time to go live  
SOC 2 in progress  
Enterprise-grade security  
Global coverage  
Stop the revenue leak

## Never Worry About Payment Failures Again

Retain your customers with the best-in-class AI payment recovery platform. Guaranteed ROI with success-based pricing.