I'm surprised to see that some ppl call themselves bankers and they don't know new QCB regulations. QCB has already announced that they are implementing a new electronic credits/debits system to replace PDCs which is currently used. This system will connect QCB with all banks in the country in order to deploy Direct Debit and Direct Credit payment transactions. Direct Credit is primarily used for processing payment of wages and salaries. The most prominent examples of Direct Debit are for payments of utility bills, insurance premiums and installment loan payments.