Bank direct debit is an authorized withdrawal from your customer's bank account. Direct debits are typically used in recurring transactions such as bill payments, memberships and subscriptions. Direct debit functionality is only available in select countries where the capability exists as part of a banking network.

Popular direct debit capable schemes include:

Bacs in the UK.
ACH in the US, Canada (ACSS).
BECs in Australia.
GIRO in Singapore.
SEPA in the EU

See List of SEPA Supported Countries (You must be domiciled here in order to accept SEPA payments)

Andorra, Austria, Belgium, Bulgaria, Cypress, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Holy See, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Monaco, Malta, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Spain, Slovenia, Slovakia, Sweden, Switzerland

The direct debit process below explains how to:

Add direct debit payments to your business workflow.
Create direct debit payment request.
Capture the payment response.

📘
Rapyd Network Rules
Participants in the Rapyd Network are subject to the Rapyd Network Rules. Any use of or participation of the Rapyd Network not covered in the Rapyd Network Rules will be governed by applicable participation agreements and associated documentation.

Bank Direct Debit Checkout

The following example represents an ACH Direct Debit checkout page workflow.

📘
Proof of Authorization Form
Your customer must sign a proof of authorization form that complies with Rapyd's ACH network rules. For more information, see section 13 - Web Initiated ACH Entries of Rapyd Network Rules. You must maintain a copy of this form in your records.

Bank Direct Debit Workflow

Finding the specific bank direct debit payment methods you'll accept and the corresponding required fields that customers fill out is described under How it Works.

First Time SEPA Mandate Process Request

Customer selects SEPA payment
You ask Rapyd to process request
Rapyd processes the request and sends the redirect URL
You present the redirect URL to customer
Customer signs the SEPA mandate.

Process Payment Request

Customer completes the ACH bank transfer payment.
Your website back end asks Rapyd to process the ACH bank transfer payment.
Rapyd processes the payment and responds with details of the transaction.
The website back end is notified by Rapyd when the payment is completed successfully.

How It Works

Find Available Payment Methods

Decide the bank direct debit payment methods you will accept, so your customer can specify their payment methods on your payment page. To do that, use List Payment Methods by Country with the following parameters:

Available countries can be listed with the List Countries API call.
For illustration purposes, we will use US and USD for country and currency in the sample codes below. US ACH is the direct debit payment type.

Query Parameter	Description
country	Enter US as the ISO ALPHA-2 country code country code for the United States.
currency	Enter USD as the currency code for United States dollars.

// Request URL: GET https://sandboxapi.rapyd.net/v1/payment_methods/country?country=US&currency=USD

// Message body absent

using System;

namespace RapydApiRequestSample
{
    class Program
    {
        static void Main(string[] args)
        {
            try
            {
                string country = "US";
                string currency = "USD";

                string result = RapydApiRequestSample.Utilities.MakeRequest("GET", $"/v1/payment_methods/country?country={country}&currency={currency}");

                Console.WriteLine(result);
            }
            catch (Exception e)
            {
                Console.WriteLine("Error completing request: " + e.Message);
            }
        }
    }
}

const makeRequest = require('<path-to-your-utility-file>/utilities').makeRequest;

async function main() {
  try {
    const result = await makeRequest('GET', '/v1/payment_methods/country?country=US&currency=USD');

    console.log(result);
  } catch (error) {
    console.error('Error completing request', error);
  }
}

<?php
$path = $_SERVER['DOCUMENT_ROOT'];
$path .= "/<path-to-your-utility-file>/utilities.php";
include($path);

try {
    $object = make_request('get', '/v1/payment_methods/country?country=US&currency=USD');
    var_dump($object);
} catch (Exception $e) {
    echo "Error: $e";
}
?>

from pprint import pprint

from utilities import make_request

country = 'US'
currency = 'USD'
results = make_request(method='get',
                       path=f'/v1/payment_methods/country?country={country}&currency={currency}')
pprint(results)

List Payment Methods by Country Response

The Payment Object describes the fields in the response.

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "90ebf1ec-9e40-49f6-9175-b3a764ab3cd0"
    },
    "data": [
        {
            "type": "us_ach_bank",
            "name": "Evolve Bank & Trust ",
            "category": "bank_transfer",
            "image": "https://iconslib.rapyd.net/checkout/us_ach_bank.png",
            "country": "us",
            "payment_flow_type": "bank_transfer",
            "currencies": [
                "USD"
            ],
            "status": 1,
            "is_cancelable": false,
            "payment_options": [],
            "is_expirable": false,
            "is_online": false,
            "minimum_expiration_seconds": null,
            "maximum_expiration_seconds": null
        }
    ]
}

The data section of this response shows that us_ach_bank is a supported payment method.

Note: A full API response typically lists many payment methods.

Find Required Fields for the Payment Method

Identify the fields that your customer needs to complete for the payment method. To do that, use Get Payment Method Required Fields with the following parameter:

Path Parameter	Description
type	Enter us_ach_bank as the payment method type.

Get Payment Method Required Fields Request

Request a set of required fields for a us_ach_bank payment.

// Request URL: GET https://sandboxapi.rapyd.net/v1/payment_methods/required_fields/us_ach_bank

// Message body absent

using System;

namespace RapydApiRequestSample
{
    class Program
    {
        static void Main(string[] args)
        {
            try
            {
                string type = "us_ach_bank";

                string result = RapydApiRequestSample.Utilities.MakeRequest("GET", $"/v1/payment_methods/required_fields/{type}");

                Console.WriteLine(result);
            }
            catch (Exception e)
            {
                Console.WriteLine("Error completing request: " + e.Message);
            }
        }
    }
}

const makeRequest = require('<path-to-your-utility-file>/utilities').makeRequest;

async function main() {
  try {
    const result = await makeRequest('GET', '/v1/payment_methods/required_fields/us_ach_bank');

    console.log(result);
  } catch (error) {
    console.error('Error completing request', error);
  }
}

<?php
$path = $_SERVER['DOCUMENT_ROOT'];
$path .= "/<path-to-your-utility-file>/utilities.php";
include($path);

try {
    $object = make_request('get', '/v1/payment_methods/required_fields/us_ach_bank');
    var_dump($object);
} catch (Exception $e) {
    echo "Error: $e";
}
?>

from pprint import pprint

from utilities import make_request

payment_method = 'us_ach_bank'
results = make_request(method='get',
                       path=f'/v1/payment_methods/required_fields/{payment_method}')
pprint(results)

Get Payment Method Required Fields Response

Payment Method Type Object describes the fields in the response.

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "058bc78e-49aa-4370-b0b4-3635950173ac"
    },
    "data": {
        "type": "us_ach_bank",
        "fields": [
            {
                "name": "proof_of_authorization",
                "type": "boolean",
                "regex": "",
                "description": "",
                "is_required": true,
                "is_updatable": false
            },
            {
                "name": "first_name",
                "type": "string",
                "regex": "",
                "description": "",
                "is_required": false,
                "is_updatable": false
            },
            {
                "name": "last_name",
                "type": "string",
                "regex": "",
                "description": "",
                "is_required": false,
                "is_updatable": false
            },
            {
                "name": "company_name",
                "type": "string",
                "regex": "",
                "description": "",
                "is_required": false,
                "is_updatable": false
            },
            {
                "name": "routing_number",
                "type": "string",
                "regex": "^([0-9]){9,9}$",
                "description": "",
                "is_required": true,
                "is_updatable": false
            },
            {
                "name": "payment_purpose",
                "type": "string",
                "regex": "(PAYMENT|VENDOR PMT)",
                "description": "",
                "is_required": true,
                "is_updatable": false
            },
            {
                "name": "account_number",
                "type": "string",
                "regex": "^([0-9]){1,34}$",
                "description": "",
                "is_required": true,
                "is_updatable": false
            }
        ],
        "payment_method_options": [],
        "payment_options": [],
        "minimum_expiration_seconds": null,
        "maximum_expiration_seconds": null
    }
}

The data section of this response shows that the following fields are required for a us_ach_bank payment:

proof_of_authorization
routing_number
payment_purpose
account_number

The following fields are optional:

first_name
last_name
company_name

Create a Bank Transfer Payment

When your customer pays a loan on your website, create a request called Create Payment, using the following parameters, for Rapyd to process the ACH bank transfer payment:

Body Parameter	Description
amount	Enter 2100 as the payment amount.
currency	Enter USD as the currency code for US dollars.
payment_method	Enter an object with the following fields: `type` - us_ach_bank `proof_of_authorization` - true . (Indicates that your customer filled in a proof of authorization form for the bank). `first_name` - Test* `last_name` - User `company_name` - Acme `routing_number` - 123UA34599 `payment_purpose` - Loan payment `account_number` - USA_2340234-098-0908g

Create Payment Request

Request Rapyd to process your customer's payment (of 2,100.00 USD) as an ACH bank transfer.

// Request URL: POST https://sandboxapi.rapyd.net/v1/payments

// Message body: 
{
    "amount": 2100,
    "currency": "USD",
    "payment_method": {
        "type": "us_ach_bank",
        "fields": {
            "proof_of_authorization": true,
            "first_name": "Test",
            "last_name": "User",
            "company_name": "Acme",
            "routing_number": "123UA34599",
            "payment_purpose": "Loan payment",
            "account_number": "USA_2340234-098-0908g"
        }
    }
}

using System;
using System.Text.Json;

namespace RapydApiRequestSample
{
    class Program
    {
        static void Main(string[] args)
        {
            try
            {
                var requestObj = new
                {
                    amount = 2100,
                    currency = "USD",
                    payment_method = new
                    {
                        type = "us_ach_bank",
                        fields = new
                        {
                            proof_of_authorization = true,
                            first_name = "Jane",
                            last_name = "Doe",
                            company_name = "Acme",
                            routing_number = "123UA34599",
                            payment_purpose = "Loan payment",
                            account_number = "USA_2340234-098-0908g",
                        }
                    }
                };

                string request = JsonSerializer.Serialize(requestObj);

                string result = RapydApiRequestSample.Utilities.MakeRequest("POST", "/v1/payments", request);

                Console.WriteLine(result);
            }
            catch (Exception e)
            {
                Console.WriteLine("Error completing request: " + e.Message);
            }
        }
    }
}

const makeRequest = require('<path-to-your-utility-file>/utilities').makeRequest;

async function main() {
  try {
    const body = {
      amount: 2100,
      currency: 'USD',
      payment_method: {
        type: 'us_ach_bank',
        fields: {
          proof_of_authorization: true,
          first_name: 'Jane',
          last_name: 'Doe',
          company_name: 'Acme',
          routing_number: '123UA34599',
          payment_purpose: 'Loan payment',
          account_number: 'USA_2340234to098to0908g'
        }
      }
    };
    const result = await makeRequest('POST', '/v1/payments', body);

    console.log(result);
  } catch (error) {
    console.error('Error completing request', error);
  }
}

from pprint import pprint

from utilities import make_request

payment_body = {
    "amount": 2100,
    "currency": "USD",
    "payment_method": {
        "type": "us_ach_bank",
        "fields": {
            "proof_of_authorization": True,
            "first_name": "Jane",
            "last_name": "Doe",
            "company_name": "Acme",
            "routing_number": "123UA34599",
            "payment_purpose": "Loan payment",
            "account_number": "USA_2340234-098-0908g"
        }
    }
}

create_payment_response = make_request(method='post',
                                       path='/v1/payments',
                                       body=payment_body)
pprint(create_payment_response)

Create Payment Response

The Payment Object describes the fields in the response.

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "3ae269bc-11ff-477b-9f2a-ce69786876dc"
    },
    "data": {
        "id": "payment_a7ed3e41026614bc9e1d50981c099e07",
        "amount": 0,
        "original_amount": 2100,
        
//      ...          
          
        "currency_code": "USD",
        "country_code": "us",
        "status": "ACT",

        //      ...

        "customer_token": "cus_722c2234e6f83c5249b5376d743737cc",
        "payment_method": "other_1a06a5f97f4b0ff901d61f3ea704b296",

        //      ...

        "created_at": 1583408200,

        //      ...

        "paid": false,

        //      ...

        "payment_method_type": "us_ach_bank",
        "payment_method_type_category": "bank_transfer",

        //      ...

    }
}

The data section of this response shows:

The payment id is payment_a7ed3e41026614bc9e1d50981c099e07. When you run this in your own sandbox, you will get a different ID, which you will need for a later step.
The original_amount of the payment is 2100. You will need this value for a later step.
The currency_code is USD.
The status is ACT. This means that the payment process is active and awaiting completion. Payment Object lists possible values for status.

Close the Transaction

👍
Simulate Payment Completion
The sandbox does not directly simulate the action that completes a payment. You can simulate this action with the procedure described in Complete Payment. To do that, you will need the following values from the response you received when you ran 'Create Payment' in your sandbox:

payment id

code (in the textual_codes object)

original_amount

When a payment is completed, Rapyd sends a webhook. Before you run 'Complete Payment', configure your system to receive webhooks with the procedure described in Setting a Webhook Endpoint for eWallet and POS API Sandboxes.

After you simulate the transfer of funds by your customer's bank, Rapyd sends you a webhook Webhook - Payment Completed to confirm that the payment was completed.

Rapyd Docs and API Reference

Rapyd Documentation and API Reference

Bank Direct Debit

📘
Rapyd Network Rules

Bank Direct Debit Checkout

📘
Proof of Authorization Form

Bank Direct Debit Workflow

First Time SEPA Mandate Process Request

Process Payment Request

How It Works

Find Available Payment Methods

List Payment Methods by Country Response

Find Required Fields for the Payment Method

Get Payment Method Required Fields Request

Get Payment Method Required Fields Response

Create a Bank Transfer Payment

Create Payment Request

Create Payment Response

Close the Transaction

👍
Simulate Payment Completion

What's Next

Bank Direct Debit

Suggested Edits are limited on API Reference Pages

📘Rapyd Network Rules

Bank Direct Debit Checkout

📘Proof of Authorization Form

Bank Direct Debit Workflow

First Time SEPA Mandate Process Request

Process Payment Request

How It Works

Find Available Payment Methods

List Payment Methods by Country Response

Find Required Fields for the Payment Method

Get Payment Method Required Fields Request

Get Payment Method Required Fields Response

Create a Bank Transfer Payment

Create Payment Request

Create Payment Response

Close the Transaction

👍Simulate Payment Completion

What's Next

📘
Rapyd Network Rules

📘
Proof of Authorization Form

👍
Simulate Payment Completion