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Fund transfers with direct debit

Pull funds from a bank account to fund your transfers.

To fund a transfer using direct debit, you must work with two primary resources: Payment Instruments and Payins.

  • A Payment Instrument is a saved pre-authorised funding source, such as a bank account, from which you can pull funds.
  • A Payin is the request you initiate to pull a specific payment from that instrument.

Supported schemes

SchemeCurrencyRegionStatus
BACSGBPUnited KingdomLive
SEPAEUREuropeLive
ACHUSDUnited StatesBeta
EFTCADCanadaBeta

ACH and EFT support is currently in beta. While fully functional and supported, the API may undergo changes based on partner feedback.

How direct debit payin funds transfers

The Direct Debit API uses the paymentInstrumentId and the payinSessionId from a new transfer to create a new Payin. Once the direct debit payin is received, the associated transfer is funded. The funds are never shown as a credit on your balance and are used immediately.

Summary of requests

Follow these steps to implement direct debits via the API.

  1. Create the Payment Instrument: Send a request to POST /v3/profiles/{{profileId}}/payment-instruments to initiate the authorization flow for a new funding source.
  2. Connect the Payment Instrument: Send a request to POST /v3/profiles/{{profileId}}/payment-instruments/{{paymentInstrumentId}}/manual-confirmation to confirm the payment instrument's details are correct.
    • This leads to a CONNECTED Payment Instrument, which then supports the submission of new Payins.
  3. Create a transfer: As with any process to send money on Wise Platform, you must create a quote and then create a transfer using POST /v1/transfers.
    • Capture the payinSessionId from the response.
  4. Create a Payin: Send a request, including the payinSessionId, to POST /v3/profiles/{{profileId}}/payment-instruments/{{paymentInstrumentId}}/payins.
    • Once this payin is complete, the transfer is funded and your money is sent to the transfer recipient.
  5. Check status: Send a GET request for either a payment instrument or a payin to retrieve its status at any time.

Next steps