Direct Debit Request (DDR/BECS)

Detects direct debit requests, BECS authorizations, and recurring payment arrangements under Australian banking standards.

Type

keyword_list

Confidence

medium

Confidence justification

Medium confidence: keyword-based detection requires corroborative evidence for accurate identification.

Jurisdictions

global

Regulations

AML/CTF Act (Cth), IPA 2009 (Qld), NDB Scheme (Cth), Privacy Act 1988 (Cth), SOCI Act 2018 (Cth)

Frameworks

ISO 27001, ISO 27701, PCI-DSS, SOC 2

Data categories

financial, banking

Scope

narrow

Risk rating

8

Should match

• Direct debit request received — Exact 65 discovery probe with a mandate phrase and no account or schedule details
• Direct debit request: BSB 062000 — Exact 75 probe with one banking-detail evidence family
• Direct debit request: BSB 062000, first debit date 01/03/2026 — Exact 85 probe with banking authority and payment schedule evidence
• Direct Debit Request: I authorise debit my account — Direct debit authority wording
• DDR/BECS form with BSB and account number details — Test match 2
• Recurring debit arrangement with first debit date 01/03/2026 — Test match 3

Should not match

• Credit card payment processed successfully — Non-match 1
• Please debit the inventory count — Non-match 2
• User ID: 123456 architecture workshop — BECS-shaped user identifier in technical prose without mandate or payment details

Known false positives

• Use of debit in general accounting contexts. Mitigation: Require DDR, BECS, or bank authority language alongside debit terms.