Direct Debit UK

• Overview
• Countries & currencies
• Integration
• Process flows
• Testing
• Additional information
• Reporting

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.

1. Consumer chooses to pay by using Direct Debit and provides bank account details.
2. Consumer sends authorization for transaction in the form of a mandate
3. You submit the request to debit the amount from the consumer’s bank.
4. If the request is approved the funds are remitted to our bank account with an attached report detailing the transaction.
5. Funds are remitted to us and statements are gathered to process all incoming payments
6. You will be informed of the transaction’s status and if successful the funds are remitted to his bank account