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

POST /payments/direct_debits

The following flow diagram illustrates the direct debit flow including all related direct debit status changes, and cash balance updates:

Direct debit

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.

WARNING

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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