Save bank details for future payments

This guide describes how to save shopper's bank details and use it for subsequent payments.

Save bank details for the first time

Call Create a Customer API if it is a new customer and save the returned Customer ID.

Example request:

Shell
1curl --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/customers/create' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{ 
6  "request_id": "743c92db-289f-4e0c-a578-e902a56dbd46", 
7  "merchant_customer_id": "661b4105-55ae-4acc-b672-92bbc8bd1e30", 
8  "email": "[email protected]", 
9  "phone_number": "15566668888", 
10  "first_name":"John", 
11  "last_name":"Doe", 
12  "additional_info": { 
13   "register_via_social_media": true, 
14   "registration_date":"2012-12-30", 
15   "first_successful_order_date": "2012-12-30" 
16  } 
17}'

Example response:

JSON
1{
2    "id": "cus_sgstpkhp5ga4vn7rqyo",
3    "request_id": "743c92db-289f-4e0c-a578-e902a56dbd46",
4    "merchant_customer_id": "661b4105-55ae-4acc-b672-92bbc8bd1e30",
5    "first_name": "John",
6    "last_name": "Doe",
7    "email": "[email protected]",
8    "phone_number": "15566668888",
9    "created_at": "2022-05-26T08:12:26+0000",
10    "updated_at": "2022-05-26T08:12:26+0000"
11}

Create a PaymentConsent API with the Customer ID from Step 1, and save Consent ID for subsequent transactions.

Example request

Shell
1curl --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/payment_consents/create' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{ 
6    "request_id": "e06ba29c-aabc-4a17-accf-c08fe06f418d", 
7    "customer_id": "cus_sgstpkhp5ga4vn7rqyo", 
8    "currency": "USD", 
9    "next_triggered_by": "merchant", 
10    "merchant_trigger_reason": "unscheduled" 
11}'

Example response

JSON
1{
2    "id": "cst_sgstr8wqfga4vna9wc1",
3    "request_id": "e06ba29c-aabc-4a17-accf-c08fe06f418d",
4    "customer_id": "cus_sgstpkhp5ga4vn7rqyo",
5    "next_triggered_by": "merchant",
6    "merchant_trigger_reason": "unscheduled",
7    "status": "PENDING_VERIFICATION",
8    "created_at": "2022-05-26T08:12:30+0000",
9    "updated_at": "2022-05-26T08:12:30+0000",
10    "client_secret": "eyJhbGciOiJIUzI1NiJ9.eyJpYXQiOjE2NTM1NTI3NTEsImV4cCI6MTY1MzU1NjM1MSwiYWNjb3VudF9pZCI6ImRiMGJkMDgzLTlkZDUtNDk3ZC05ZGFkLWI3NGNkOGNiMWE4ZiIsImRhdGFfY2VudGVyX3JlZ2lvbiI6IlNHIiwiY29uc2VudF9pZCI6ImNzdF9zZ3N0cjh3cWZnYTR2bmE5d2MxIiwicGFkYyI6IlNHIn0.gqCk3eANNbn5DX7UpsA6uG8JoXksn3Yy7JSJaVTcqZg",
11    "mandate": {
12        "accepted_at": "2022-05-26T08:12:30+0000",
13        "version": "1.0"
14    }
15}

Verify a PaymentConsent through a transaction authorization or verification. You have two options to get the PaymentConsent verified.

Option 1: Save bank account details without a payment

The shopper only attaches the bank account details for future payments. Airwallex offers two verification methods for SEPA Direct Debit: TrueLayer and micro-deposit verification.

TrueLayer verification

TrueLayer is an open banking solution that helps you verify bank accounts instantly and securely.

TrueLayer requires bank_name when confirming the PaymentIntent. You can call Get available bank names API with payment_method_type and country_code to get the supported banks.

Example request

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/config/banks?payment_method_type=sepa_direct_debit&country_code=DE' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{
6    "has_more": false,
7    "items": [
8        {
9            "bank_name": "revolut",
10            "display_name": "Revolut",
11            "resources": {
12                "logo_url": "https://truelayer-provider-assets.s3.amazonaws.com/global/icons/revolut.svg"
13            }
14        }
15    ]
16}'

Set the verification method to truelayer using thepayment_method_options.sepa_direct_debit.verification_method field. You can also provide owner_name and owner_email in the request so that the shopper will see these fields pre-filled on the confirmation page.

Example request

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/payment_consents/cst_sgstr8wqfga4vna9wc1/verify' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{
6    "request_id": "c8812204-0b15-4ae0-8758-26c4b601b055",
7    "payment_method": {
8        "type": "sepa_direct_debit",
9        "sepa_direct_debit": {
10            "country_code": "DE",
11            "bank_name": "revolut"
12        }
13    },
14    "payment_consent_reference": {
15    "id": "cst_sgstfvwszgf1fm9uk9w"
16  },
17  "payment_method_options": {
18      "sepa_direct_debit": {
19          "verification_method": "truelayer"
20      }
21  }
22}'

Example response

JSON
1{
2    "id": "int_sgstpf54lgf6t7z71eh",
3    "request_id": "c38579ad-4c08-4aad-9dbb-8965bd7c11ac",
4    "amount": 4.4,
5    "currency": "EUR",
6    "merchant_order_id": "ea95b90f-2ba5-43f8-a6ab-9fa2ce476426",
7    "customer_id": "cus_sgsts772qgf6t6fjpxb",
8    "payment_consent_id": "cst_sgstpf54lgf6t6h2i0r",
9    "descriptor": "For internal testing",
10    "status": "REQUIRES_CUSTOMER_ACTION",
11    "captured_amount": 0,
12    "latest_payment_attempt": {
13        "id": "att_sgstpf54lgf6t817nlq_7z71eh",
14        "amount": 4.4,
15        "currency": "EUR",
16        "payment_method": {
17            "type": "sepa_direct_debit"
18        },
19        "payment_intent_id": "int_sgstpf54lgf6t7z71eh",
20        "payment_consent_id": "cst_sgstpf54lgf6t6h2i0r",
21        "status": "AUTHENTICATION_REDIRECTED",
22        "captured_amount": 0,
23        "refunded_amount": 0,
24        "created_at": "2022-11-07T08:29:12+0000",
25        "updated_at": "2022-11-07T08:29:16+0000",
26        "settle_via": "airwallex",
27        "authentication_data": {
28            "ds_data": {},
29            "fraud_data": {
30                "score": "0"
31            },
32            "avs_result": "U",
33            "cvc_result": "U"
34        }
35    },
36    "created_at": "2022-11-07T08:29:09+0000",
37    "updated_at": "2022-11-07T08:29:16+0000",
38    "next_action": {
39        "type": "redirect",
40        "method": "GET",
41        "url": "https://checkout-staging.airwallex.com/#/page/sg/truelayer/pay/txn_sgst9xh7gggzwh2ajrx_gxzhij?auth_url=https%3A%2F%2Fauth.truelayer-sandbox.com%3Fclient_id%3Dsandbox-airwallex-3066c0%26redirect_uri%3Dhttps%3A%2F%2Fcheckout-staging.airwallex.com%2Ftruelayer%2Fcallback%26providers%3Dmock%26state%3D6136811274633599%26response_type%3Dcode%26scope%3Dinfo%2520accounts%2520balance%2520offline_access%2520verification"
42    },
43    "base_amount": 4.4
44}

Micro-deposit verification

Airwallex will send the micro-deposit verification email to the shopper to complete the verification process.

Example request

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/payment_consents/cst_sgstr8wqfga4vna9wc1/verify' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{ 
6  "request_id": "c38579ad-4c08-4aad-9dbb-8965bd7c11ac",
7  "payment_method": {
8    "type": "sepa_direct_debit",
9    "id": "mtd_sgstbzd9ngf6lw52enq",
10    "sepa_direct_debit": {
11      "iban": "DE00001323232323311",
12      "owner_name": "John doe",
13      "owner_email": "[email protected]"
14    }
15  },
16  "payment_consent_reference": {
17    "id": "cst_sgstfvwszgf1fm9uk9w"
18  },
19  "payment_method_options": {
20      "sepa_direct_debit": {
21          "verification_method": "micro_deposit"
22      }
23  }
24}'

Example response

JSON
1{
2    "id": "int_sgstbn2sxgai33j69xs",
3    "request_id": "c38579ad-4c08-4aad-9dbb-8965bd7c11ac",
4    "amount": 4.4,
5    "currency": "EUR",
6    "merchant_order_id": "ea95b90f-2ba5-43f8-a6ab-9fa2ce476426",
7    "payment_consent_id": "cus_sgstpkhp5ga4vn7rqyo",
8    "descriptor": "For internal testing",
9    "status": "REQUIRES_CUSTOMER_ACTION",
10    "captured_amount": 0,
11    "latest_payment_attempt": {
12        "id": "att_sgstjjpnbgf6o7wlijd_3j69xs",
13        "amount": 4.4,
14        "currency": "EUR",
15        "payment_method": {
16            "id": "mtd_sgstjjpnbgf6o7wftae",
17            "customer_id": "cus_sgstjjpnbgf6lw15hwy",
18            "type": "sepa_direct_debit",
19            "sepa_direct_debit": {
20                "iban": "DE00001323232323311",
21                "owner_name": "John doe",
22                "owner_email": "[email protected]"
23            },
24            "status": "CREATED",
25            "created_at": "2022-11-07T05:27:40+0000",
26            "updated_at": "2022-11-07T05:27:40+0000"
27        },
28        "payment_intent_id": "int_sgstbn2sxgai33j69xs",
29        "payment_consent_id": "cus_sgstpkhp5ga4vn7rqyo",
30        "status": "AUTHENTICATION_REDIRECTED",
31        "captured_amount": 0,
32        "refunded_amount": 0,
33        "created_at": "2022-11-07T05:27:41+0000",
34        "updated_at": "2022-11-07T05:27:49+0000",
35        "settle_via": "airwallex",
36        "authentication_data": {
37            "ds_data": {},
38            "fraud_data": {
39                "action": "VERIFY",
40                "score": "0"
41            },
42            "avs_result": "U",
43            "cvc_result": "U"
44        }
45    },
46    "created_at": "2022-11-07T05:27:22+0000",
47    "updated_at": "2022-11-07T05:27:49+0000",
48    "next_action": {
49        "type": "notify_micro_deposits",
50        "url": "https://checkout-staging.airwallex.com/#/page/direct-debit-verify-account/sg/vfy_sgstmfkqggf6o81nrm8_7lbs9n",
51        "micro_deposit_count": "2",
52        "email": "[email protected]"
53    },
54    "base_amount": 10
55}

Option 2: Save bank account details during payment

The shopper pays for the first order and attaches the bank account details for future payments. You can Create a PaymentIntent API and Confirm a PaymentIntent API with payment_consent_reference from Step 2. This will return SUCCEEDED status for the first payment if the verification is successfull.

TrueLayer verification

TrueLayer requires bank_name when confirming the PaymentIntent. You can call Get available bank names API with payment_method_type and country_code to get the supported banks.

Example request

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/config/banks?payment_method_type=sepa_direct_debit&country_code=DE' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{
6    "has_more": false,
7    "items": [
8        {
9            "bank_name": "revolut",
10            "display_name": "Revolut",
11            "resources": {
12                "logo_url": "https://truelayer-provider-assets.s3.amazonaws.com/global/icons/revolut.svg"
13            }
14        }
15    ]
16}'

Example request

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/payment_intents/int_sgstbn2sxgai33j69xs/confirm' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{
6  "request_id": "c38579ad-4c08-4aad-9dbb-8965bd7c11ac",
7  "payment_method": {
8    "type": "sepa_direct_debit",
9    "sepa_direct_debit": {
10      "country_code": "DE",
11      "bank_name": "revolut"
12    }
13  },
14  "payment_consent_reference": {
15    "id": "cst_sgstfvwszgf1fm9uk9w"
16  },
17  "payment_method_options": {
18      "sepa_direct_debit": {
19          "verification_method": "truelayer"
20      }
21  }
22}'

Example response

JSON
1{
2    "id": "int_sgstpf54lgf6t7z71eh",
3    "request_id": "c38579ad-4c08-4aad-9dbb-8965bd7c11ac",
4    "amount": 4.4,
5    "currency": "EUR",
6    "merchant_order_id": "ea95b90f-2ba5-43f8-a6ab-9fa2ce476426",
7    "customer_id": "cus_sgsts772qgf6t6fjpxb",
8    "payment_consent_id": "cst_sgstpf54lgf6t6h2i0r",
9    "descriptor": "For internal testing",
10    "status": "REQUIRES_CUSTOMER_ACTION",
11    "captured_amount": 0,
12    "latest_payment_attempt": {
13        "id": "att_sgstpf54lgf6t817nlq_7z71eh",
14        "amount": 4.4,
15        "currency": "EUR",
16        "payment_method": {
17            "type": "sepa_direct_debit"
18        },
19        "payment_intent_id": "int_sgstpf54lgf6t7z71eh",
20        "payment_consent_id": "cst_sgstpf54lgf6t6h2i0r",
21        "status": "AUTHENTICATION_REDIRECTED",
22        "captured_amount": 0,
23        "refunded_amount": 0,
24        "created_at": "2022-11-07T08:29:12+0000",
25        "updated_at": "2022-11-07T08:29:16+0000",
26        "settle_via": "airwallex",
27        "authentication_data": {
28            "ds_data": {},
29            "fraud_data": {
30                "score": "0"
31            },
32            "avs_result": "U",
33            "cvc_result": "U"
34        }
35    },
36    "created_at": "2022-11-07T08:29:09+0000",
37    "updated_at": "2022-11-07T08:29:16+0000",
38    "next_action": {
39        "type": "redirect",
40        "method": "GET",
41        "url": "https://checkout-staging.airwallex.com/#/page/sg/truelayer/pay/txn_sgst9xh7gggzwh2ajrx_gxzhij?auth_url=https%3A%2F%2Fauth.truelayer-sandbox.com%3Fclient_id%3Dsandbox-airwallex-3066c0%26redirect_uri%3Dhttps%3A%2F%2Fcheckout-staging.airwallex.com%2Ftruelayer%2Fcallback%26providers%3Dmock%26state%3D6136811274633599%26response_type%3Dcode%26scope%3Dinfo%2520accounts%2520balance%2520offline_access%2520verification"
42    },
43    "base_amount": 4.4
44}

Micro-deposit verification

Example request

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/payment_intents/int_sgstbn2sxgai33j69xs/confirm' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{
6  "request_id": "c38579ad-4c08-4aad-9dbb-8965bd7c11ac",
7  "payment_method": {
8    "type": "sepa_direct_debit",
9    "id": "mtd_sgstbzd9ngf6lw52enq",
10    "sepa_direct_debit": {
11      "iban": "DE00001323232323311",
12      "owner_name": "John doe",
13      "owner_email": "[email protected]"
14    }
15  },
16  "payment_consent_reference": {
17    "id": "cst_sgstfvwszgf1fm9uk9w"
18  },
19  "payment_method_options": {
20      "sepa_direct_debit": {
21          "verification_method": "micro_deposit"
22      }
23  }
24}'

Example response

JSON
1{
2    "id": "int_sgstbn2sxgai33j69xs",
3    "request_id": "c38579ad-4c08-4aad-9dbb-8965bd7c11ac",
4    "amount": 4.4,
5    "currency": "EUR",
6    "merchant_order_id": "ea95b90f-2ba5-43f8-a6ab-9fa2ce476426",
7    "payment_consent_id": "cus_sgstpkhp5ga4vn7rqyo",
8    "descriptor": "For internal testing",
9    "status": "REQUIRES_CUSTOMER_ACTION",
10    "captured_amount": 0,
11    "latest_payment_attempt": {
12        "id": "att_sgstjjpnbgf6o7wlijd_3j69xs",
13        "amount": 4.4,
14        "currency": "EUR",
15        "payment_method": {
16            "id": "mtd_sgstjjpnbgf6o7wftae",
17            "customer_id": "cus_sgstjjpnbgf6lw15hwy",
18            "type": "sepa_direct_debit",
19            "sepa_direct_debit": {
20                "iban": "DE00001323232323311",
21                "owner_name": "John doe",
22                "owner_email": "[email protected]"
23            },
24            "status": "CREATED",
25            "created_at": "2022-11-07T05:27:40+0000",
26            "updated_at": "2022-11-07T05:27:40+0000"
27        },
28        "payment_intent_id": "int_sgstbn2sxgai33j69xs",
29        "payment_consent_id": "cus_sgstpkhp5ga4vn7rqyo",
30        "status": "AUTHENTICATION_REDIRECTED",
31        "captured_amount": 0,
32        "refunded_amount": 0,
33        "created_at": "2022-11-07T05:27:41+0000",
34        "updated_at": "2022-11-07T05:27:49+0000",
35        "settle_via": "airwallex",
36        "authentication_data": {
37            "ds_data": {},
38            "fraud_data": {
39                "action": "VERIFY",
40                "score": "0"
41            },
42            "avs_result": "U",
43            "cvc_result": "U"
44        }
45    },
46    "created_at": "2022-11-07T05:27:22+0000",
47    "updated_at": "2022-11-07T05:27:49+0000",
48    "next_action": {
49        "type": "notify_micro_deposits",
50        "url": "https://checkout-staging.airwallex.com/#/page/direct-debit-verify-account/sg/vfy_sgstmfkqggf6o81nrm8_7lbs9n",
51        "micro_deposit_count": "2",
52        "email": "[email protected]"
53    },
54    "base_amount": 10
55}

Successful verification will change the status of PaymentConsent to VERIFIED. If the PaymentConsent is not verified, the status will remain as PENDING_VERIFICATION, and next_action will appear in the response.

Initiate a subsequent transaction using stored bank account details

Create a PaymentIntent API with the corresponding Customer ID.

Example request:

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/payment_intents/create' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{
6    "request_id": "e71db33e-e191-48b1-82ae-ed19fdcc3fd9",
7    "amount": 4.4,
8    "currency": "EUR",
9    "customer_id": "cus_sgstpkhp5ga4vn7rqyo",
10    "merchant_order_id": "ea95b90f-2ba5-43f8-a6ab-9fa2ce476426",
11    "return_url": "https://www.airwallex.com",
12    "descriptor": "For internal testing",
13    "additional_data": "131231232"
14}'

Example response:

JSON
1{
2    "id": "int_sgstbzd9ngf6oc3f6ce",
3    "request_id": "e71db33e-e191-48b1-82ae-ed19fdcc3fd9",
4    "amount": 4.4,
5    "currency": "EUR",
6    "merchant_order_id": "ea95b90f-2ba5-43f8-a6ab-9fa2ce476426",
7    "customer_id": "cus_sgstjjpnbgf6lw15hwy",
8    "descriptor": "For internal testing",
9    "status": "REQUIRES_PAYMENT_METHOD",
10    "captured_amount": 0,
11    "created_at": "2022-11-07T05:31:54+0000",
12    "updated_at": "2022-11-07T05:31:54+0000",
13    "available_payment_method_types": [
14        "sepa_direct_debit"
15    ],
16    "client_secret": "eyJhbGciOiJIUzI1NiJ9.eyJpYXQiOjE2Njc3OTkxMTQsImV4cCI6MTY2NzgwMjcxNCwidHlwZSI6ImNsaWVudC1zZWNyZXQiLCJwYWRjIjoiU0ciLCJhY2NvdW50X2lkIjoiMTc1MjY1YWMtMGVmZi00ODg4LTlhNDgtMzI4NTE3YmJmNGFhIiwiaW50ZW50X2lkIjoiaW50X3Nnc3RiemQ5bmdmNm9jM2Y2Y2UiLCJjdXN0b21lcl9pZCI6ImN1c19zZ3N0ampwbmJnZjZsdzE1aHd5IiwiYnVzaW5lc3NfbmFtZSI6IkdveWV0dGUgTExDIn0.bE164aOthTfFQYqcBro5fGbwvhw5w0RS3Y1MruCyHg0",
17    "base_amount": 4.4
18}

Confirm a PaymentIntent API with payment_consent_reference.id to request payment with reference to the stored PaymentConsent.

Example request:

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/payment_intents/int_sgstbn2sxgai33j69xs/confirm' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \
5--data '{
6  "request_id": "c38579ad-4c08-4aad-9dbb-8965bd7c11ac",
7  "payment_consent_reference": {
8    "id": "cst_sgstr8wqfga4vna9wc1"
9  }
10}'

Example response:

JSON
1{
2    "id": "int_sgstbn2sxgai33j69xs",
3    "request_id": "8faf0b58-858a-4be5-85fd-0048a303d04d",
4    "amount": 4.4,
5    "currency": "EUR",
6    "merchant_order_id": "ea95b90f-2ba5-43f8-a6ab-9fa2ce476426",
7    "payment_consent_id": "cst_sgstr8wqfga4vna9wc1",
8    "descriptor": "For internal testing",
9    "status": "PENDING",
10    "captured_amount": 0,
11    "latest_payment_attempt": {
12        "id": "att_sgstgg7zqgjlmzrl1cy_znl05a",
13        "amount": 4.4,
14        "currency": "EUR",
15        "payment_method": {
16            "id": "mtd_sgstfmh8lgjlmzkvbxp",
17            "customer_id": "cus_sgstjjpnbgf6lw15hwy",
18            "type": "sepa_direct_debit",
19            "sepa_direct_debit": {
20                "iban": "DE12345678901234",
21                "owner_name": "John Doe",
22                "owner_email": "[email protected]"
23            },
24            "status": "CREATED",
25            "created_at": "2023-03-31T09:48:02+0000",
26            "updated_at": "2023-03-31T09:48:02+0000"
27        },
28        "payment_intent_id": "int_sgstbn2sxgai33j69xs",
29        "payment_consent_id": "cst_sgstr8wqfga4vna9wc1",
30        "status": "PENDING_AUTHORIZATION",
31        "provider_transaction_id": "2fcaf5a3-ce9e-47ed-8b4a-ccb59802cd92",
32        "captured_amount": 0,
33        "refunded_amount": 0,
34        "created_at": "2023-03-31T09:48:14+0000",
35        "updated_at": "2023-03-31T09:48:18+0000",
36        "settle_via": "airwallex",
37        "authentication_data": {
38            "ds_data": {},
39            "fraud_data": {
40                "action": "ACCEPT",
41                "score": "-1"
42            },
43            "avs_result": "U",
44            "cvc_result": "U"
45        }
46    },
47    "created_at": "2023-03-31T09:48:07+0000",
48    "updated_at": "2023-03-31T09:48:18+0000",
49    "base_amount": 5
50}

You can also get a list of PaymentConsents API with the corresponding Customer ID to render the list of shopper’s payment methods they previously saved.

Example request:

Shell
1url --request POST \
2--url 'https://api-demo.airwallex.com/api/v1/pa/payment_consents' \
3--header 'Content-Type: application/json' \
4--header 'Authorization: Bearer <your_bearer_token>' \

Example response:

JSON
1{
2    "has_more": false,
3    "items": [
4        {
5            "id": "cst_sgstr8wqfga4vna9wc1",
6            "request_id": "e06ba29c-aabc-4a17-accf-c08fe06f418d",
7            "customer_id": "cus_sgstjjpnbgf6lw15hwy",
8            "payment_method": {
9                "type": "sepa_direct_debit",
10                "id": "mtd_sgstr8wqfga4vnabxmy",
11                "sepa_direct_debit": {
12                    "iban": "DE00001323232323311",
13                    "owner_name": "John doe",
14                    "owner_email": "[email protected]",
15                }
16            },
17            "next_triggered_by": "merchant",
18            "merchant_trigger_reason": "unscheduled",
19            "status": "VERIFIED",
20            "created_at": "2022-05-26T08:12:30+0000",
21            "updated_at": "2022-05-26T08:12:30+0000",
22            "client_secret": "eyJhbGciOiJIUzI1NiJ9.eyJpYXQiOjE2NTM1NTI3NTEsImV4cCI6MTY1MzU1NjM1MSwiYWNjb3VudF9pZCI6ImRiMGJkMDgzLTlkZDUtNDk3ZC05ZGFkLWI3NGNkOGNiMWE4ZiIsImRhdGFfY2VudGVyX3JlZ2lvbiI6IlNHIiwiY29uc2VudF9pZCI6ImNzdF9zZ3N0cjh3cWZnYTR2bmE5d2MxIiwicGFkYyI6IlNHIn0.gqCk3eANNbn5DX7UpsA6uG8JoXksn3Yy7JSJaVTcqZg",
23            "mandate": {
24                "accepted_at": "2023-01-04T06:50:57+0000",
25                "version": "1.0",
26                "type": "sepa_direct_debit",
27                "sepa_direct_debit": {
28                    "creditor_identifier": "Airwallex",
29                    "reference": "WBGGYOK87GZT"
30                }
31            }
32        }
33    ]
34}

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