Create a Funding Source (direct debit)
Related endpoints reference.
“Funding source” is the money origin during transfer. It should be taken as a certain abstraction, which was created to have a consistent format for transferring money: it does not matter whether the origin is a wallet or Direct Debit, clients always refer to some funding source entity during the payment or schedule creation.
Customate will automatically create a set of initial, wallet-related funding sources for clients, after profile verification. Any other funding source types should be created manually (“wallet” type can not be created via Api call or in any other way except by Customate itself).
Direct Debit funding source requires verification before clients can use it for schedules or payments. Verification process is started automatically by Customate service itself and doesn’t require any additional actions from the client/owner side. Due to delays on the bank side, Direct Debit verification usually takes 7 calendar days. Clients can not specify a funding source that belongs to another profile during payment or schedule creation.
Appendix D. Direct Debit funding source validation codes
The codes below may occur during Direct Debit funding source’s validation and will be assigned to funding source record:
| { … “title”: “Sample DirectDebit Source”, “validation_status”: “invalid”, “validation_issue_code”: “dd_canceled_by_payer”, “validation_issue_message”: “Instruction cancelled”, “currency”: “GBP”, “type”: “direct_debit”, … } |
| Validation code | Additional information |
| dd_canceled_by_payer | Payer has instructed the paying bank to cancel Direct Debit initialization. Client must liaise with the payer to agree the payment method for collection of any outstanding funds. |
| dd_payer_deceased | |
| dd_account_transferred | Account transferred to another bank/building society. New Direct Debit source should be created with updated bank details. |
| dd_no_account | Account number is not recognised at the paying bank. Client should check Direct Debit information and/or liaise with the payer. |
| dd_no_instruction | Instruction does not exist on the paying bank’s database. Client should check Direct Debit information and/or liaise with the payer. |
| dd_account_closed | Payer has closed his account for an unknown reason. New Direct Debit source should be created with updated bank details. |
| dd_invalid_account_type | Paying bank does not allow Direct Debits on this type of account. Client will need to obtain new account details from the payer and create a new Direct Debit source. |
| dd_bank_rejects | Paying bank does not allow Direct Debits on this account. New Direct Debit source should be created with updated bank details. |
| dd_canceled_by_bank | Paying bank has cancelled the Direct Debit initialization. Customate cannot collect funds via Direct Debit on this account. |
| dd_invalid_account_details | Direct Debit initialization faced invalid account details. Customate has verified the sort code and account number, but bank service declined them. |
| dd_transaction_not_allowed | Paying banks have expressly disallowed Direct Debit initialization. New Direct Debit source should be created with updated bank details. |