# Trigger a direct debit

Trigger a direct debit.

Deprecation notice: The user_id field is deprecated, optional, and will be removed in a future version. For business account direct debits, ownership is determined by the mandate linked to the business.

Endpoint: POST /payments/direct_debits
Version: 1.135.0
Security: oauth-client-credentials

## Header parameters:

  - `upvest-client-id` (string, required)
    Tenant Client ID
    Example: "363f3305-7ab0-4e82-a158-f9d382ad08b6"

  - `Authorization` (string, required)
    Bearer (access) token from the OAuth flow with correct scopes.
https://datatracker.ietf.org/doc/html/rfc6750
    Example: "Bearer c2VjcmV0Cg=="

  - `signature` (string, required)
    https://tools.ietf.org/id/draft-ietf-httpbis-message-signatures-01.html#name-the-signature-http-header

  - `signature-input` (string, required)
    https://tools.ietf.org/id/draft-ietf-httpbis-message-signatures-01.html#name-the-signature-input-http-he

  - `idempotency-key` (string, required)
    A UUID to be used as an idempotency key.  This prevents a duplicate request from being replayed.
https://docs.upvest.co/documentation/concepts/api_concepts/idempotency
    Example: "ccb07f42-4104-44ad-8e1f-c660bb7b269c"

  - `upvest-api-version` (string)
    Upvest API version (Note: Do not include quotation marks)
    Enum: "1"

## Request fields (application/json):

  - `account_group_id` (string, required)
    Account group unique identifier.

  - `mandate_id` (string, required)
    Direct Debit Mandate unique identifier.

  - `cash_amount` (string, required)

  - `currency` (string)
    Alphabetic three-letter [ISO 4217](https://www.iso.org/iso-4217-currency-codes.html) currency code.
* EUR - Euro
* GBP - Pound Sterling
    Enum: "EUR", "GBP"

  - `remittance_information` (string)
    Payment reference the end user will see in their bank statement for the corresponding direct debit booking (“Verwendungszweck”). We recommend that you keep this info concise and avoid special characters or non-standardised formatting ([see more](/documentation/guides/payments/direct_debit/direct_debit_submitting)).

  - `purpose_code` (string)
    Purpose of the payment based on ExternalPurpose1Code from [ISO 20022](https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets).

  - `user_id` (string)
    The ID of the user. This field is optional and will be removed in a future version.

## Response 200 fields (application/json):

  - `id` (string, required)
    Direct debit funding request unique identifier

  - `created_at` (string, required)
    Date and time when the resource was created. [RFC 3339-5](https://datatracker.ietf.org/doc/html/rfc3339#section-5.6), [ISO8601 UTC](https://www.iso.org/iso-8601-date-and-time-format.html)

  - `account_group_id` (string, required)
    Account group unique identifier.

  - `mandate_id` (string, required)
    Direct Debit Mandate unique identifier.

  - `cash_amount` (string, required)

  - `currency` (string, required)
    Alphabetic three-letter [ISO 4217](https://www.iso.org/iso-4217-currency-codes.html) currency code.
* EUR - Euro
* GBP - Pound Sterling
    Enum: same as `currency` (2 values)

  - `remittance_information` (string)
    Payment reference the end user will see in their bank statement for the corresponding direct debit booking (“Verwendungszweck”). We recommend that you keep this info concise and avoid special characters or non-standardised formatting ([see more](/documentation/guides/payments/direct_debit/direct_debit_submitting)).

  - `status` (string)
    Status of the direct debit
* NEW - Direct debit is created but not started processing.
* PROCESSING - Direct debit is in processing.
* CONFIRMED - Direct debit was successfully processed.
* CANCELLED - Direct debit was cancelled.
    Enum: "NEW", "PROCESSING", "CONFIRMED", "CANCELLED"

  - `cancellation_reason` (string)
    Reason the direct debit was cancelled. The field is present in case the direct debit has a status of CANCELLED.
* CANCELLED_BY_BANK - The payment was not completed by your bank. Please check your account details or contact support.
* CANCELLED_BY_UPVEST - The payment was cancelled. Contact support for details.
* CANCELLED_BY_CLIENT - The payment was cancelled at your request.
* OTHER - Reason not available (applies to historical data only).
    Enum: "CANCELLED_BY_BANK", "CANCELLED_BY_UPVEST", "CANCELLED_BY_CLIENT", "OTHER"

  - `purpose_code` (string)
    Purpose of the payment based on ExternalPurpose1Code from [ISO 20022](https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets).

  - `user_id` (string)
    The ID of the user. For business-initiated direct debits, this field will be absent.

## Response 400 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.

## Response 401 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.

## Response 403 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.

## Response 404 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.

## Response 406 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.

## Response 429 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.

## Response 500 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.

## Response 503 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.

## Response 504 fields (application/problem+json):

  - `type` (string, required)
    URL to a document describing the error condition.

  - `status` (integer, required)
    Transmission of the HTTP status code so that all information can be found in one place, but also to correct changes in the status code due to the use of proxy servers.

  - `title` (string)
    A short, human-readable title for the general error type; the title should not change for given types.

  - `detail` (string)
    A human-readable description of the specific error.

  - `instance` (string)
    This optional key may be present, with a unique URI for the specific error; this will often point to an error log for that specific response.

  - `request_id` (string)
    Correlation ID for the original request.