Direct debit schemes and mandate requirements

The use case and front-end experience must be reviewed and signed off by Airwallex and, in some cases, our local banking partner before you can process any transactions.

Before you can create a Linked Account and add funds via direct debit, you must obtain authorization from the external bank account owner in the form of a signed mandate (or signed agreement).

If you are looking to add funds via direct debit from your own external bank account, set up the Linked Account on the Airwallex web app. To sign the mandate offline, contact your Account Manager.

If you are registered as a platform account and creating Linked Accounts on behalf of your customers, you must follow scheme-specific instructions for obtaining the direct debit agreement from the external bank account owners.

Create mandates via API

1. Confirm the scheme and mandate type in Linked Account requirements for direct debit.
2. Open the scheme page for that mandate type. Use it for eligibility, settlement and cut-off times, UI and consent text, API fields, and error codes.
3. Collect the signed mandate, then submit it on Create a Linked AccountAPI or Update a Direct Debit MandateAPI. For AU_PAYTO_DEBIT and SG_EGIRO_DEBIT, you must submit the mandate on create.
4. If direct debit mandates using the API are not yet enabled on your account, contact your Airwallex Account Manager to request enablement. Include the mandate types and whether you collect the mandate on create or on update.

By navigating through the sub-pages on the left menu, you can access comprehensive guides for each direct debit scheme. These scheme-specific guides are designed to ensure a smooth integration for Platforms looking to enable direct debit functionality. Each guide contains the following sections:

Platform and customer requirements

• Learn about prerequisites and eligibility criteria for your Platform and end customers before activating direct debit on each scheme

Settlement times

• Standard settlement cycles for each scheme
• Cut-off times on mandate creation or direct debit deposit submissions

UI requirements for mandate authorization

• Minimum UI components you must display to users when collecting their mandate authorization
• Disclosure and consent text required by the scheme

API integration walkthrough

• Step-by-step instructions for interfacing with our APIs, covering key flows such as creating a direct debit mandate and initiating a direct debit deposit
• Required parameters, payload examples, sample requests, and typical responses

Error code references

• A list of error codes encountered when Linked Accounts experience failures (e.g., invalid account details, account not supported, insufficient funds)
• Error codes specific to direct debit deposit failures (e.g., mandate not active, payment rejected)