When a recurring invoice is generated, we set the issue date to that day.
If direct debit is then enabled, we ask GoCardless for the earliest collection date, which as you right say is normally around 3 days but this does differ depending on a few factors (e.g. if it’s a new mandate, or if it falls on a weekend or bank holiday, it would be longer).
If you’ve specified a delay on the recurring template (as shown below), then this is added to the earliest collection date.
To put that into an example - I have a client which already has an existing direct debit in place. Today, 11th Feb, a new recurring invoice is generated with direct debit enabled. This is then requested at the earliest possible date GoCardless says is possible, which is currently 15th February. This can also be seen from the Direct Debit options for that client:
And also on GoCardless itself (when creating a payment):
In this case, we’re adding a delay of 1 day, so the request will be submitted to be collected on Friday 16th February. It then takes a further few days before being deposited into your bank account.
I hope that all makes sense? Apologies that the post is a bit lengthy, but I hope that with an example, it should be clear to anyone who comes across it