Every disputed or reversed debit order costs you — in lost revenue, fees and the time spent chasing it. The good news is that most disputes are preventable. Here's where to focus.
1. Make mandates clear and specific
Many disputes come down to a customer not recognising or not remembering the collection. A clear mandate — with the correct amount, frequency and a recognisable reference that appears on their statement — removes a lot of that confusion before it starts.
2. Validate accounts before you collect
Submitting collections against incorrect or invalid account details guarantees failures and frustration. Account validation checks the details up front, so you only collect from accounts that can actually accept the debit order.
- Fewer failed transactions and associated fees.
- Cleaner customer data from the start.
- Fewer "wrong account" disputes.
3. Use authenticated collections where it counts
For higher-value or higher-risk collections, DebiCheck has the customer's bank confirm the mandate before any money moves. Because the authorisation is verified up front, the most common dispute — "I never agreed to this" — largely disappears.
Tip: you don't need to authenticate everything. Apply DebiCheck where the risk or value justifies it, and keep standard EFT for low-risk, established customers.
4. Recover failures intelligently
Not every failed collection is a dispute — sometimes it's just timing. Auto Recovery re-attempts failed collections on a smart schedule, recovering revenue that would otherwise be written off, without you having to chase each one manually.
Putting it together
Clear mandates, validated accounts, authenticated collections where they matter, and automated recovery work together to bring disputes down and collection success up. Linkserv offers all of these in one platform — talk to us about which combination fits your business.