There a number of ways to initiate a Direct Debit Collection. This document explains the different workflows and how to implement them:

• The standard workflow, which is the most common way to initiate a Direct Debit Collection.
• The optimised workflow, which allows you to create both the mandate and the payment in a single API call.

Standard workflow

The most common server-to-server payment workflow is a Direct Debit with Click Mandate.

Optimised workflow

For improved efficiency, our optimised workflow enables you to combine multiple API calls into one.

By nesting CreateCustomer, CreateBankAccount, and CreateMandate within a single CreatePayment request, you can streamline the entire process into a single API call.

This reduces complexity and improves overall performance.