Direct Debit actions

We have introduced a new generic endpoint which you can use to take a specific action on your payment or direct debit. Currently we support only 'Reject' action for a direct debit, however more actions such as 'Cancel' and 'Recall' will be supported in future.

You can use the 'possibleActions' property from Get singles endpoint response to know which actions can be taken for a specific payment or direct debit. You will find more details on the same in change log.

Endpoint

Post: /api/v1/payments/invoke

Content specifications body

Reject Sepa Direct Debit

Banking Circle is introducing an enhanced process for handling direct debit rejections and returns. This new procedure will replace the current email-based method, providing you with a more efficient way to manage your transactions.
Currently, you communicate with Banking Circle via email when you need to reject or return a direct debit against one of your accounts. While this email method will remain available during a test period as a safety net, it will be decommissioned after this transition phase.

The new self-service option allows you to manage direct debit rejections and returns more efficiently through API integration. You will be able to reject direct debits using our newly designed API endpoint: POST api/v1/payments/invoke. This integration provides you with increased control over your transactions and streamlines the rejection and return process.

Before you reject a direct debit, please note the following:

1. You will be able to reject a SEPA direct debit before the collection date.
2. You will be able to request a refund of a direct debit after the collection date, up to 8 weeks.
   a. If you would like to request refund of a direct debit post 8 weeks, then you need to contact the client service team.
3. It is not possible to reject and/or request - refund the same direct debit twice.
4. After rejecting a direct debit or requesting a refund via the API, you can expect to see the status changes reflected in the same manner as they are currently.

Note: Currently, we support only the 'Reject' action via our new endpoint. However, it covers both what is defined as 'Rejection' and 'Refund' by EPC (European Payment Council).

Reject request via the API

To initiate a rejection, a POST request should be sent to the /api/v1/payments/invoke endpoint.

"id": "8b4e9e3c-dd28-b3de-2925-96a195993cc3",  
"action": "Reject"

Response:

You should expect a response with 200 code, meaning that your request has been successfully submitted for further processing.