Process flows
In order to integrate Direct Debit UK, please refer to our API Reference.
State transition diagram
Create payment
- CREATED – initial state of a transaction. If a transaction remains in this state, it indicates a problem.
- PENDING APPROVAL – the transaction is awaiting your approval to capture the funds. This applies to transactions requiring manual merchant approval before processing.
- CAPTURED – the transaction was completed successfully, and we have received confirmation that the funds are on their way.
- PAID – we have collected the funds and will begin the remittance process to you.
- REJECTED – the transaction was rejected by either us or the bank. This is the final state.
- CANCELLED – the transaction was canceled by either you or the consumer. This is the final state.
- REJECTED CAPTURE – the capture request was rejected by us or the acquiring bank. This is a final state for the capture attempt.
- REFUNDED – final state indicating the funds have been refunded to the consumer.
- Consumer chooses to pay by using Direct Debit and provides bank account details.
- Consumer sends authorization for transaction in the form of a mandate
- You submit the request to debit the amount from the consumer’s bank.
- If the request is approved the funds are remitted to our bank account with an attached report detailing the transaction.
- Funds are remitted to us and statements are gathered to process all incoming payments
- You will be informed of the transaction’s status and if successful the funds are remitted to his bank account