Direct Debit

What is Direct Debit?

Direct debit is a convenient and reliable payment solution in Indonesia that allows businesses to automatically withdraw funds from a customer's bank account.

This method is ideal for recurring payments, such as subscriptions or utility bills, as it ensures timely and consistent transactions with minimal manual intervention from the payer. Once authorized, the direct debit arrangement facilitates automatic transfers, reducing the risk of missed or late payments.

By integrating direct debit into your payment system, you can streamline collections and improve cash flow management. The process is secure and compliant with local regulations, offering both businesses and customers a hassle-free experience.

Supported Banks

Note* : BNI's unbinding flow supports both with OTP and without OTP, but they are limited to the inteded transaction use case of the original binding. For bindings which lead to OTP-based payments, unbinding would mandate OTP as well. For bindings which lead to non-OTP based payments, unbinding would not require OTP

Customer Flow:

1. Customer checks out a service/item on a merchant's platform
2. Customer selects "Direct Debit" as the payment method during checkout.
3. Customer will then be directed to Ayoconnect webview, where customer will see Ayoconnect's direct debit binding form
4. Depending on the bank selected, customer will be required to input all OR some of the following
   1. Full Card Number
   2. Bank Account Number
   3. Card Expiration Date
   4. Phone # registered to the card
5. Customer proceeds inputting the details, and completing the direct debit binding process
6. Upon successful binding, the customer will either be charged immediately and/or charged on a recurring basis, depending on the service/items purchased from the merchant platform
7. Additionally, the customer may/may not be required to input an OTP (one-time password) for each payment, depending on the configuration set by the merchant