The debit endpoint allows you to simulate an outgoing processed payment, bypassing the initiation steps. The payment will be created with payment status processed.

Payment lifecycle

After successful creation, the payment will follow the same lifecycle as a payment in production.

In other words, it will appear in reports, in relevant endpoints (e.g. GET /api/v1/payments/singles) and trigger notifications if set up (e.g. OutgoingPaymentBooked and OutgoingPaymentProcessed)

Payment rails

You can simulate which payment rail is used to make the payment by setting the scheme parameter. The following options are currently supported.

For EUR payments:

SEPA_DD - SEPA Direct Debit

For GBP payments:

BACS_DD - BACS Direct Debit

Note: the currency field must match the scheme currency, otherwise the endpoint will return a validation error.

FX conversions

To simulate an FX conversion, simply select a debtorAccount that has a different currency than the scheme / amount currency set.

Finding the payment after creation

To easily find a payment after creation, use the remittanceInformationLine1 field which is returned in the 200 success response.

Note: due to system limitations, we cannot immediately return a payment ID or transaction reference