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Receive bank transfers to Global Accounts
Add funds via direct debits from Linked Accounts
Review direct debit mandate requirementsRetrieve your depositsDirect debit deposit statusesDirect debit deposit error codesUnderstanding direct debit flight times and funding limits
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Authorize direct debit payouts
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Add funds via direct debits from Linked Accounts

Direct debit deposits allow you to directly pull funds from an external financial account into your Airwallex account, so it can be used to fund payouts or card expenses.

You will need to first create Linked Accounts, which are external financial accounts linked to your Airwallex account. See Get started on how to create Linked Accounts and retrieve account details.

Before you start, please check Supported regions and currencies to ensure your desired use case is supported.

Step 1: Create a direct debit mandate

Before you can add funds via direct debit from a Linked Account, you must obtain authorization from the external bank account owner in the form of a signed mandate (or signed agreement). You may have already submitted them when calling Create a Linked Account API. If not, call Update a direct debit mandate API to submit or update a signed mandate for an existing Linked Account.

To create and sign direct debit mandates via API, as a first step, please contact your Airwallex Account Manager to walk you through the direct debit mandate requirements and to enable this capability on your account.

Provide the following mandate details in the request:

  • email: Email of the signatory. A pdf copy of the mandate will be sent to this email address.
  • signatory: Name of the mandate’s signatory. This should be the external bank account owner.
  • type: Payment methods in different regions. Possible values are: AU_BECS_DEBIT, US_ACH_DEBIT, GB_BACS_DEBIT, EU_SEPA_DEBIT, CA_EFT_DEBIT. Recall that US_ACH_DEBIT is only supported if your Linked Account entity_type is BUSINESS.
  • version: Version of the signed mandate. The latest versions are:
    • AU_BECS_DEBIT: 1.1.1
    • US_ACH_DEBIT: 1.0
    • GB_BACS_DEBIT: 1.0
    • EU_SEPA_DEBIT: 1.0
    • CA_EFT_DEBIT: 1.0
  • preferred_reference: Reference that will show up for all direct debit deposits under this Linked Account. We may add a unique ID after your preferred reference per scheme requirements. Applies only to GB_BACS_DEBIT.

If the mandate is successfully updated, a mandate status of ACTIVE will be returned. You can retrieve the mandate anytime using Get a direct debit mandate API.

Example request

Shell

If you are registered as a platform account, you can call this endpoint on behalf of your connected accounts by specifying the open ID in the x-on-behalf-of header.

Example response

JSON

Step 2: Check for funding limits

After creating a Linked Account and authorizing direct debits via a signed mandate, use Get funding limits API to confirm that your existing funding limits are sufficient. Funding limits are the maximum amount of direct debit deposits you can create over a certain period of time. They are shared across all Airwallex accounts under a single legal entity, and may be counted against regular direct debits (flight time 2-5 business days) and Faster Direct Debits (flight time 0-2 business days).

The response will provide all the funding limits currently available to the legal entity associated with your Airwallex account.

Example request

Shell

If you are registered as a platform account, you can call this endpoint on behalf of your connected accounts by specifying the open ID in the x-on-behalf-of header.

You can also call this endpoint directly to check funding limits available to the legal entity associated with your own account. Depending on configurations agreed upon with your Account Manager, direct debit deposits created on behalf of your connected accounts may draw from either the platform account or the connected account.

To learn more, see Understanding direct debit flight times and funding limits.

Step 3: Check Linked Account balance

If your Linked Account was created using Open Banking, you will be able to use Check available balances API to ensure that the external bank account has sufficient balance for your direct debit.

We recommend checking balances ahead of larger transactions. This is because an overdraft of the Linked Account would still be processed, only to return as REJECTED a few days later.

Step 4: Create a direct debit deposit

After ensuring that you have sufficient limit for the direct debit and that the Linked Account has sufficient balance, use Create a deposit via Direct Debit API to receive funds into your Wallet. If the deposit amount exceeds the remaining direct debit limit or Faster Direct Debit limit, the request will return a 400 error with the code INSUFFICIENT_DD_LIMIT or INSUFFICIENT_FASTER_DD_LIMIT.

For GB_BACS_DEBIT, you can only create one direct debit deposit per working day for each Linked Account. You may use this endpoint to create both regular direct debit deposits (flight time 2-4 business days) or Faster Direct Debit deposits (flight time 0-1 business day).

Provide the following parameters in your request:

  • amount: The amount you want to collect.
  • currency: The currency of the amount in 3-letter ISO-4217 code
  • deposit_type: The type of deposit you would like to create, either DIRECT_DEBIT or FASTER_DIRECT_DEBIT. If not specified, it will default to DIRECT_DEBIT.
  • funding_source_id: The unique id of your Linked Account as returned in Create a Linked Account API.
  • request_id: A unique ID for this deposit request (should be a valid UUID).
  • reference: An optional reference that will be displayed to the bank account owner on the bank statement. Not applicable to GB_BACS_DEBIT, which uses the preferred_reference field when calling Create a Linked Account API or Update a direct debit mandate API, and CA_EFT_DEBIT, which does not support references to the bank account owner.

A successful request will return a PENDING status. This status will transition to SETTLED and the funds will subsequently appear in your available balance after a holding time. If the request is rejected before the holding time, either by Airwallex or the external bank, the status will transition to REJECTED. If we receive a rejection from the external bank after the holding time, the status will transition to REVERSED, and corresponding funds will be deducted from your balance.

Subscribe to Deposit webhook events to receive any deposit status transitions. See Direct debit deposit statuses for all the possible statuses. The transaction id returned in the webhook payload can be used to retrieve further details of a deposit by calling Get a deposit by ID API. If the deposit is in a failure status (REJECTED or REVERSED), you can review Direct debit deposit error codes to learn about all possible errors.

Example request

Shell

If you are registered as a platform account, you can call this endpoint on behalf of your connected accounts by specifying the open ID in the x-on-behalf-of header.

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