Overview

This document describes the migration from the legacy Direct Debit Payment Initiation endpoint to the new endpoint with a simplified structure and aligned with ISO20022 payment terminology and structure.

The new endpoint provides:

• Simplified payload
• Simplified response model
• Explicit debtor and creditor sections
• Higher degree of structured object (e.g.
• ISO-aligned terminology 
• Date-only fields
• No nested resource creation
• No idempotency keys in payload

Deprecation Date & End-of-Life

Deprecation Date: To-be-announced

End-of-Life: To-be-announced

Legacy Endpoints

Instruction: (POST) https://sepaexpress-prod-fx.azurewebsites.net/api/services/v2/Payments

GET/Reporting: 

• https://docs.bankingcircleconnect.com/reference/get_api-services-v2-payments
• https://docs.bankingcircleconnect.com/reference/get_api-services-v2-payments-id

New Endpoints

Guide: Initiating Collections, Collection Status & Reconciling 

New Instruction: (POST) https://www.bankingcircleconnect.com/api/v1/direct-debits

New GET/Reporting: Customer Payment Status Report https://docs.bankingcircleconnect.com/docs/customer-payment-status-report

High-level Changes

Structural Changes

ISO 20022 Data Model

The new endpoint follows an ISO 20022 style payment structure, introducing dedicated objects for:

• Creditor
• Debtor
• Accounts
• Agent banks
• Mandate information
• Remittance information

The legacy endpoint embedded many of these values within the mandate or bankAccount objects.

Debtor & Creditor Information

Creditor Information

Previously managed separate and referenced under bankAccountId

The new endpoint separates this into explicit entities.

//new structure
"creditor": {
  "name": "string",
  "personId": "string",
  "postalAddress": {...}
},
"ultimateCreditor": { 
	"name": "string", 
	"organisationId": "string" 
}

Debtor Information

The debtor (payer) is also now explicitly modeled.

//new structure
"debtor": {
  "name": "string",
  "postalAddress": {...}
}

//new structure
"debtorAccount": {
  "iban": "string"
}

Bank (Agent) Information

The debtor bank is now specified separately - this replaces earlier bank-related fields embedded in the account object.:

//new structure
"debtorAgent": {
  "bicFi": "string",
  "country": "string"
}

Field-by-field mapping - Instruction & Reporting