Direct Debit Payment

The Direct Debit Payment feature (Direct Debit Payment API) can be utilized after binding has been done.

Through this feature, merchants can:

Initiate a payment on behalf of your customer, directly deducting their binded bank account
Choose to request OTP from customer to confirm payment, or a non-OTP flow

After a payment attempt, a callback will also be sent to the partner's charge payment URL with the status of the payment. The structure of the callback is mentioned in the Callback section of the Direct Debit Payment API.

Limitations

Please note the following limitations:

OTP & Non-OTP flows are approved on case-by-case basis, specifically as part of a merchant's onboarding process through Ayoconnect. Our APIs only allows merchants to select between these 2 flows once they have been approved for both by Ayoconnect