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Title: Bacs Direct Debit Indemnity Claim _:{fa-check-circle} _Prerequisite_ note: * ClearBank **IBAN** is mapped to Mambu Deposit account & **Virtual Account ID** is linked to Deposit Account * **Client Money Account** & **Bacs Suspense Account** are Available and Active * **Deposit Account** is Active | Approved * **Direct Debit Instruction** was previously created and is Active group:**Bacs: three-day processing cycle** _: **`Day 1 of Bacs Processing Cycle`** Bacs --> Bacs: **Input Day**: The Service User submits the DD payment to Bacs _: **`Day 2 of Bacs Processing Cycle`** ClearBank --> ClearBank: **The Processing Day**: Payment details are validated Bacs --> ClearBank: _Bacs_ outputs to _ClearBank_ ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectDebitInboundPaymentCreated** webhook is sent MPO -->> ClearBank: Confirm received webhook _: **`Day 3 of Bacs Processing Cycle`** ClearBank --> ClearBank: **The Entry Day**: Settlement of the funds ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** (_Debit_) webhook is sent MPO -->> ClearBank: Confirm received webhook ClearBank -->> ClearBank: **Client Money Account** balance is updated (_Direct Debit Payment_) note_: Process `Inbound Direct Debit - Withdrawal [API]` is triggered Mambu -->> MPO: Search **Deposit Account** by Virtual Account ID Mambu -->> MPO: Get Mambu Client/Group & **Deposit** Details ClearBank -->> MPO : Verify **Virtual Account ID** and **IBAN** linkage in ClearBank Mambu -->> MPO: Verify **Mandate ID** linkage in Mambu _: **IF** *virtualAccountStatus* is `enabled` and *virtualAccountIBAN* `equals` *depositIban* and *isMandateLinked* is `true` MPO ->> Mambu: **Withdrawal** transaction is posted in Mambu Mambu -->> Mambu: Deposit Account **Total/Available Balance** is updated _: **`Indemnity Claim`** _: {fa-file-exclamation} An error is identified by the client in the Direct Debit payment if:** Service User Accepts the claim, or the challenge was not successful ** Service User ->> ClearBank: Service User account is debited with the refunded amount in **14 working days** after the indemnity claim was submitted and credit to ClearBank Suspense Account ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** (_Credit_) with reference _DDIC_ webhook is sent MPO -->> ClearBank: Confirm received webhook Mambu -->> MPO: Search **Deposit Account** by Virtual Account IBAN Mambu -->> MPO: Get Mambu Client/Group & **Deposit** Details MPO ->> Mambu: **Deposit** transaction is posted in Mambu (_adjust Withdrawal transaction_) _:{fa-bell} Send **Notification** else:** Service User Rejects the claim, or the challenge was successful** Service User ->> ClearBank: No refund to ClearBank Suspense Account, the indemnity claim is Cancelled no later then Day 11 after the claim was submitted end