Submitting a direct debit funding request
Prerequisites
Before triggering a direct debit request, you must ensure that the user is onboarded and active, and has a valid direct debit mandate assigned.
To request a direct debit funding, specify the mandate and funding amount for the user’s account group and call
The following flow diagram illustrates the direct debit flow including all related direct debit status changes, and cash balance updates:
Example request
{
"user_id": "83d83ec2-d2ca-49ff-bbea-b92b5c3be202",
"account_group_id": "1ea60f56-b67b-61fc-829a-0242ac130003",
"mandate_id": "95b8304e-19fc-4cd9-8e50-82532e6b8d8c",
"cash_amount": "200.00",
"remittance_information": "payment for green energy portfolio"
}
After a successful direct debit request, the sample response for the above will look as follows:
Example response
{
"id": "1ab4fef9-a097-4c6f-9345-647025d5fde6",
"created_at": "2020-08-24T14:15:22Z",
"user_id": "82b49999-1145-4e05-916a-567662daa7bc",
"account_group_id": "1ea60f56-b67b-61fc-829a-0242ac130003",
"mandate_id": "730b8719-0bc6-401d-98dd-b2de72afbf05",
"cash_amount": "200.00",
"currency": "EUR",
"status": "NEW"
}
You will also receive a direct debit NEW
webhook with exactly the same payload.
Webhooks notify you of events in business processes, not the success or failure of the initialisation of those processes.
Please be sure to check the HTTP status of the response to your requests and handle failure cases appropriately.
Direct debit update
Once all relevant payment checks have been passed and the payment instruction has been forwarded to our payment partner, the direct debit transitions into the PROCESSING
status and you will receive a direct debit event via webhook.
Afterwards, the direct debit gets executed and confirmed at our payment partner and you will receive a direct debit CONFIRMED
webhook.
Next steps
Now that the account group is sufficiently funded, you are ready to proceed with your first order request. Alternatively, you can also register a reference bank account if you would like to withdraw funds instead.
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