Embedded Payments

Allow direct debit request

Allow an external party to pull funds from a platform or client account to an external account using a Received Direct Debit Transfer (RDDT). In this ACH transaction, an external counterparty or third-party account initiates a transfer of funds from an account on the embedded payments platform to their external bank account. For example, a third-party vendor collecting payment from your client’s account for recurring bills.

To receive a direct debit request, your account must have a Payment Routing Number (PRN). Assign a PRN when you create or update the account. Provide the PRN to the sender and authorize them to request direct debits. When the embedded payments platform receives a direct debit request, it debits the account with the PRN and transfers funds to the counterparty’s external bank account. If an exception occurs during processing, the platform initiates a return transaction and returns funds to the platform Demand Deposit Account (DDA) with the appropriate reason.

Allowed accounts

You can use the following accounts for direct debit transactions:

You can use the following accounts for direct debit transactions:
Debit Account (direct debit)	Credit Account
LIMITED_DDA_PAYMENTS	External/ Third-party account
TRANSACTION_ACCOUNT	External/ Third-party account
PROCESSING ACCOUNT	External/ Third-party account
MANAGEMENT ACCOUNT (if PRN is assigned)	External/ Third-party account

External parties initiate these transactions. Platforms and clients do not initiate them directly via the API. After the embedded payments platform completes a direct debit, it sends a notification with transaction details. The following is an example of a notification sent after a direct debit transaction is completed.

Sample response:

Sample notification for Payout collection unregistered Payee (Transaction Account)

Json

{
  "transactionReferenceId": "2ce3275d671047baa10b015f3758900",
  "type": "WIRE",
  "memo": "Memo for Transaction AUD",
  "currency": "USD",
  "amount": "9.99",
  "debtor": {
    "account": {
      "type": "REGISTERED_ACCOUNT",
      "registeredAccount": {
        "id": "e4576df0c68646608507fe92da1262e3"
      }
    }
  },
  "creditor": {
    "partyDetails": {
      "type": "INDIVIDUAL",
      "firstName": "Ivan",
      "lastName": "Petrov",
      "businessName": "Trading Kft.",
      "address": {
        "type": "BUSINESS_ADDRESS",
        "buildingNumber": "Suite 12B",
        "streetName": "90 Bedford Street",
        "city": "New York",
        "country": "US",
        "countrySubDivision": "NY",
        "postalCode": "10014"
      }
    },
    "account": {
      "type": "CHECKING",
      "externalAccount": {
        "number": "12345678",
        "bankName": "Test Bank",
        "branchCode": "825",
        "routingInformation": [
          {
            "routingNumber": "CHASAU2XXXX",
            "transactionType": "WIRE",
            "routingCodeType": "BIC"
          }
        ],
        "currency": "AUD",
        "country": "AU"
      }
    }
  }
}

Sample response:

Sample notification for payout collection registered payee (Limited DDA Payments)

Json

{
  "id": "LYcazECFZppbD",
  "transactionReferenceId": "2ce3275d671047baa10b015f3758900",
  "requestedExecutionDate": "2025-12-31"
}