Direct debit payment failures
Direct debit payments can be declined for a number of reasons, such as:
- your bank account details have changed but your Linkt account hasn’t been updated
- your BSB or account number might have an error, such as a typo
- you don’t have enough money in your bank account to cover the direct debit amount
In these situations, the bank will decline the payment request. We charge a $2.50 dishonour fee (also called a direct debit return fee) each time a direct debit payment request is declined.
If this happens, we’ll notify you by email, and via the Linkt app if you have push notifications enabled.
After a payment is declined, our system automatically tries again. If the second attempt also fails, the failed payment amount is subtracted from your account balance, and the direct debit return fee is applied.
To avoid repeated retries and additional dishonour fees, we remove your direct debit autopay details from your account after the second failed payment attempt.
If this happens, you may need to make a once-off manual payment using a credit or debit card to get your account back into good health, and then reactivate your auto payments.
If you continue to travel and your balance remains below $0, your account will be suspended, and you’ll start receiving toll invoices and additional fees.
Viewing direct debit payments in your account
When a direct debit payment is requested, it may take 3-5 business days for your payment to clear with the bank. While the payment is processing, your account balance will be updated assuming the payment will be successful.
If the payment subsequently fails, the failed payment amount is subtracted from your account balance, and the direct debit return fee is applied.
Both the payment attempt and the reversal will appear in your financial history, as below.
Getting your account back into good health
If your auto-payment has failed and your account balance is below $0, you will need to make a quick once off manual payment by debit or credit card to get your account back into good health. Card payments are processed immediately but do incur a small payment card surcharge.
Update your auto payment details
Once your account is back in good health, you can reactivate auto payments by:
Updating your BSB and account number details
Enter your account details to either update to a new account, or to confirm your account details are correct. For security reasons, you won’t be able to view the existing account number, or
Switching to auto pay by debit or credit card
Card payments incur a small payment card surcharge, but because they are processed immediately, there are no fees if the payment is declined.