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FeaturesagentOS Direct DebitUpdated March 13, 2026

Mandate Form — Payment Details Step

Mandate Form — Payment Details Step

Step 3 of the tenant mandate form. This step lets the tenant review collection details, choose their preferred collection day, and see exactly when money will leave their account and when it will arrive with the agent.

Overview

The Payment Details step is the third step in the public-facing mandate form. It bridges the information provided in the letting agent's invite with the BACS scheduling engine, giving the tenant full transparency over their payment schedule before they commit.

What the Tenant Sees

Pre-filled Collection Details

When a tenant reaches this step, the following fields are automatically populated from the mandate invite:

FieldSource
Collection amount (£)Invite
Collection frequencyInvite

These values are shown to the tenant and cannot be changed by them — they reflect what was agreed with the letting agent.

Choosing a Collection Day

The tenant can confirm or adjust their preferred day-of-month for the Direct Debit to be collected. The selected day is validated in real time against BACS rules, including:

  • Working-day adjustments — if the selected day falls on a UK bank holiday or weekend, the collection is moved to the next valid BACS working day.
  • Month-end edge cases — months with fewer days than the selected date (e.g. selecting the 31st when the month has 30 days) are handled gracefully.
  • BACS submission lead time — the engine accounts for the required BACS processing window between submission and settlement.

If the selected day is invalid or requires adjustment, the form displays a clear explanation.

BACS Date Display

Once a collection day is selected, the step displays two key dates calculated by the BACS working-day engine:

  1. Collection date — the date funds will leave the tenant's bank account.
  2. Receipt date — the date the agent (and ultimately the landlord) will receive the funds.

These two dates will typically differ by the standard BACS settlement period. Both dates account for UK bank holidays and weekends.

Upcoming Collections Preview

To give tenants a clear picture of their ongoing commitment, the step shows the next 3 upcoming collection dates as a preview list. Each entry shows the collection date and the corresponding receipt date.

Example preview:

Collection 1:  15 Aug 2025  →  received by agent 19 Aug 2025
Collection 2:  15 Sep 2025  →  received by agent 17 Sep 2025
Collection 3:  15 Oct 2025  →  received by agent 17 Oct 2025

(Exact dates depend on UK bank holiday calendar and BACS working-day rules.)

Validation Rules

The tenant cannot proceed to the next step unless:

  • A valid collection day-of-month has been selected.
  • The selected day passes BACS rule validation.
  • The calculated collection and receipt dates have been successfully computed.

Relationship to Other Steps

StepDescription
Step 1Personal Information
Step 2DD Terms & Conditions
Step 3Payment Details ← this step
Step 4Bank Details
Step 5Video Verification
Step 6ID Verification
Step 7Right to Rent (property mandates only)
Step 8Confirmation

BACS Working-Day Engine

The date calculations in this step are powered by the same BACS working-day engine used throughout the service. It accounts for:

  • UK bank holidays (England & Wales)
  • Weekends (Saturday and Sunday)
  • BACS submission and settlement lead times
  • February 29th and month-end edge cases
  • Sunday-to-Monday adjustments

This ensures that dates shown to the tenant are always accurate and actionable, never landing on a non-processing day.