Currently the "Process Days Before Due" setting in Automation is a global setting, applies to all Gateways.
Ideally this should be a setting per Gateway.
That way credit card payments can be one setting, EG 3 days before
SEPA could then be set to a larger value, eg 10 days, as these typically take much longer , and varied, to process.
Having the setting per Gateway means you only need to notify the client using that gateway of any changes to the Process Days Before Due setting, instead of chaining it for all clients to just suit SEPA.
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