Direct debit enables you to accept payments seamlessly by:

• Linking your customer’s bank accounts safely, supporting repeat and subsequent purchases
  
• Pulling funds directly from your customer’s bank account, completing payments on the same platform
  
• Settling funds instantly, allowing better visibility and immediate access to your funds.
  

Here's the simple direct debit API flows:

Some keywords that will help you in the following steps

1. Customer ID
   
2. LAT: Linked Account Token, the ID will have “lat-” as the prefix
   
3. LA: Linked Account ID will have “la-” as the prefix
   
4. PM: The ID will have “pm-” as the prefix
   
5. Direct Debit Payment ID: the id would have “ddpy-”
   

Step 1. Create Customer

1. Send request to POST https://api.xendit.co/customers
2. Use version 2020-05-19
3. Body request (as the example below)
   
4. Then, you will get the response as below
   

Step 2. Initiated Linked Account Token

1. Send request to POST https://api.xendit.co/linked_account_tokens/auth
2. Retrieve the customer ID from the previous request
3. Body request (as the example below)
   
4. Then, you will get the response as below
   

Step 3. Validate OTP for Linked Account Token

1. Send request to POST https://api.xendit.co/linked_account_tokens/lat-a26ad044-d698-4e20-85fc-7d93fa267f93/validate_otp
2. Open the Binding - Validate OTP for Linked Account Token request
3. Add the LAT from step 2 into the endpoint
4. Set the OTP Code as “333000”
   

Step 4. GET Bank Account Token

1. Send request to POST https://api.xendit.co/linked_account_tokens/{linked_account_token_id}/accounts
2. Enter the Linked Account Token (LAT) ID from the initiate LAT response
3. Put the ID in the endpoint, like below
4. The request should be GET
   
   Example of body request:
   
   
   Example of response:
   
   
   

Step 5. Create Payment Method

1. Using this endpoint: https://api.xendit.co/payment_methods
2. Provide the Customer ID from step 1 as “customer_id” 
3. Add the LA ID from step 4 in the “id” under “properties”
4. Make sure the type is “debit_card”
   
   Example of body request:
   
   Example of response:
   

Step 6a. Create Payment (One Time Payment) if without OTP

Note: Maximum amount that can be charged without OTP is 999,999

1. Using this endpoint: https://api.xendit.co/direct_debits
2. Use the payment_method_id from step 5
3. Use currency as IDR
4. Set the callback URL
   
   Example of body request:
   
   Example of response:
   

Step 6b. Create Payment (One Time Payment) with OTP

Note: Minimum amount that can be charged with OTP is 1,000,000

1. Using this endpoint: https://api.xendit.co/direct_debits
2. Use the payment_method_id from step 5
3. Use currency as IDR
4. Set the callback URL
5. Set enable OTP as true
   
   Example of body request:
   
   
   Example of response:
   

Step 7. Validate OTP

1. Using this endpoint: https://api.xendit.co/direct_debits/ddpy-16bc8826-fbd9-4ce4-a2fb-e48117dada0f/validate_otp/
2. Add the DDPY into the endpoint of the request
3. Set the OTP to be “222000”, please also take a look at this other OTP codes
4. Completed means your payment is successful and please kindly check your Xendit dashboard
   
   Example of body request and response:
   

(Optional) Step 8. Recurring Payment

1. Set the OTP to be “222000”, please also take a look at this other OTP codes
2. Completed means your payment is successful and please kindly check your Xendit dashboard
   
   Example of body request:
   

If you need any assistance during this simulation, please do not be hesitate to contact us via live chat or email: help@xendit.co