---
title: Direct Credit
slug: direct-credit
docTags: 
createdAt: 2025-01-01T23:23:05.734Z
---

Direct credit payments allow you to transfer funds from your Monoova account to an external Australian bank account or [token](docId\:q4coqy4KuhlDxc6EqneOm) efficiently and securely.

Payments are processed in the next a Direct Entry window. Typically these payments take 1-2 business days when processed through a bank, however Monoova can settle to the payees account intraday if the payment is processed before 8pm.

## Making a Direct Credit Payment

When creating a direct credit transaction, include the following details:

- `paymentSource`**:** The mAccount or Ledger Account from which funds will be debited.
- `Disbursements`**:** The external bank account number or bank account token that you are paying.
- `Amount`**:** The payment amount.
- `lodgementReference`**:** The transaction reference that will appear on the payees bank statement.

Once submitted, retain the transaction ID included in the response as this is used for reconciliation and billing.

You can poll the payment status to confirm when it has been successfully processed using the get status endpoints:

- [Get Transaction Status By Unique Reference](docId:0pyHo8W4eKbNWPfFVa_k1) 
- [Get Transaction Status By Date](docId\:G9N8h7bzLbWT06aFceEG8) 

### Sample Direct Credit Payment

::::CodeDrawer{title="Sample Direct Credit Payment" isResponseExpanded="true" autoGeneratedAnchorSlug="sample-direct-credit-payment-1" legacyHash="CsZWbSw4u-TnM4dU7Ndxb"}
:::CodeblockTabsExamples
```json
{
  "uniqueReference": "D29281AB-1E85-4A3D-B5DC-F519631D4F01",
  "totalAmount": 100,
  "description": "Fred Smith",
  "disbursements": [
    {
      "disbursementMethod": "directCredit",
      "toDirectCreditDetails": {
        "bsbNumber": "032-000",
        "accountNumber": "2681849",
        "accountName": "Monoova"
      },
      "sourceBSB": "802-985",
      "sourceAccountNumber": "654378888",
      "lodgementReference": "monoova-123",
      "amount": 100,
      "description": "Fred Smith"
    }
  ]
}
```
:::

:::CodeblockTabsResponses
```javascript
{
  "durationMs": 22,
  "status": "Ok",
  "statusDescription": "Operation completed successfully",
  "transactionId": 1022,
  "feeAmountExcludingGst": 0.12,
  "feeAmountGstComponent": 0.012,
  "feeAmountIncludingGst": 0.132,
  "callerUniqueReference": "directcredit123",
  "feeBreakdown": {
    "transactionFee": {
      "feeAmountExcludingGst": 0.12,
      "feeAmountGstComponent": 0.012,
      "feeAmountIncludingGst": 0.132
    }
  }
}
```
:::
::::

## Batch Payments for Direct Credits

Monoova supports batch processing, allowing multiple direct credit payments to be made in a single request. Multiple disbursements can be included as an list in the API request, with each disbursement containing the necessary payment details and payment amount.

Batch processing helps streamline bulk payments, reducing manual effort and processing time.