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When Direct Debiting System (DDS) is used, bank undertakes to pay invoice amount. Therefore unpaid is not considered as inclusive of charge account risk, it is considered inclusive of DCS risk.
When payment type is specified as DCS for an AR/AP record selected in sales/purchase invoice or payment type is selected as DCS in invoice details tab, the "Will affect risk" box is unchecked automatically in Details tab. Unpaid debts of Direct Collateral System are tracked within DCS risk.

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See. Direct Collection System