This guide will allow you to implement the collection of Bank Account payment data to process debits through the BECS (Bulk Electronic Clearing System) / ACH (Automated Clearing House). The technical aspects of implementation are quite simple however due to the compliance regulations a DDR (Direct Debit Request) agreement must be in place with the payer.
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Refer to our eDDR and Payment Page Requirement guides to assist in compliance. When collecting Bank Account payment details through your own Payment Page a few key details are highlighted below:
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In order to begin and understand the API workflow of saving Bank Account data to a payer record, the typical API flow is outlined below:
Create a Payer Record - POST Add a new Payer
Collect Bank Account Details via form fields - POST Add or update payers bank account details
Schedule single or multiple payments - Implement Scheduling API to debit payer
Determine result of scheduled debit - GET Search for transaction status change
Remove transaction from data set - POST Acknowledge transaction status change
Step 1 - Create a Payer Record
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Step 2 - Add or Update Payer Bank Account Details
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POST Add or update payers bank account details Minimum property fields:
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POST Add or update payers bank account details Minimum property fields:
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Step 3 - Initiate a scheduled debit via API to debit payer
Refer to Implement Scheduling API to debit payer
This concludes the API workflow of implementing the Bank Account Payments through your own payment page and implementing schedule debits once data recorded. Refer to the next steps in implementation or our other methods available for accepting payments.