---
title: Direct Debit
slug: direct-debit
createdAt: 2024-07-24T02:54:34.290Z
---

Unlike traditional direct debit systems that need manual file uploads, Monoova simplifies the process with an easy to use API for debiting Australian bank accounts. Direct debit is a “pull” transaction where the merchant requests payment, and the customer’s bank authorizes it.

Funds direct debited from a customers account are deposited within your account the next day, and can be deposited in your main mAccount or in a [ledger account](docId\:ELwCGPvaLvYNKPdyHyj4S).

If you are not utilising the API, direct debits can also be managed through the Monoova Portal.

## Single and Batch Direct Debits

The `paymentSource` parameter is used to determine whether the API will accept a single bank account or a list.

if the paymentSource is bulkDirectDebit, a list of accounts to be debited can be supplied, each with their own amount, lodgement reference and remitter name.

```json
{
  "uniqueReference": "uniqueReference123",
  "totalAmount": 160,
  "printUniqueReferenceOnStatement": true,
  "description": "Bulk Direct Debit to mAccount",
  "paymentSource": "bulkDirectDebit",
  "directDebits": [
    {
      "fromDirectDebitDetail": {
        "bsbNumber": "123-456",
        "accountNumber": "34444444",
        "accountName": "Direct Debit to mAccount",
        "remitterName": "Fairvine RoundUp remitterName 1"
      },
      "amount": 80,
      "lodgementReference": "bulkDirectDebit1"
    },
    {
      "fromDirectDebitDetail": {
        "bsbNumber": "123-456",
        "accountNumber": "24444444",
        "accountName": "Direct Debit to mAccount",
        "remitterName": "Fairvine RoundUp remitterName 2"
      },
      "amount": 80,
      "lodgementReference": "bulkDirectDebit2"
    }
  ]
}
```

 if the paymentSource is directDebit then only one account can be debited at a time.

```json
{
  "totalAmount": 100,
  "paymentSource": "directDebit",
  "lodgementReference": "monoova-123",
  "uniqueReference": "f484ec18-6e1f-481b-a4bf-bea515d8lk34",
  "description": "Direct debit transaction for bills",
  "directDebit": {
    "bsbNumber": "032-000",
    "accountNumber": "56654983",
    "accountName": "Monoova"
  }
}
```

To receive the status of a direct debit, subscribe to the [Direct Debit Clearance Webhook](docId\:HwvT7a7xeg214dPB7ebDT) and [Direct Entry Dishonour](docId\:ScEwYOf3ZZzsZ0B4CDfPR) webhooks. 

## Direct Debit Using the Portal

To enable direct debit via the Monoova portal, contact Monoova support. Like the API, you can direct debit a single account or upload a file to debit accounts as a batch.

## Inbound Direct Debits

You can set up direct debits for your virtual account numbers with external merchants. Stay informed about these transactions through the [Receive Inbound Direct Debits  Webhook](docId\:uxASIxExxjP6WEnyx-bc5) or by accessing the [Inbound Direct Debit Report](docId\:sFyB8a8sH8qaTMJY-VLgn).