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Use the Wise direct debits API to pull funds from a UK or European bank account to fund your transfers.

This guide provides step-by-step instructions for integrating with the direct debit API, from creating a payment instrument to managing transfers and webhooks.

## Core concepts 

To fund a transfer using direct debit, you need to 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.


## How Direct Debit payin can fund a transfer  

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.

## Overview of API 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 you receive.
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 

* [Create and connect a payment instrument](/guides/product/send-money/funding/direct-debit/create-payment-instrument).
* [Create and track payins](/guides/product/send-money/funding/direct-debit/create-payin).
* [Learn more about sending money](/guides/product/send-money).
* [Learn more about Direct Debit mandates and standards](/guides/product/send-money/funding/direct-debit/mandates-standards).