Overview

The Auto Direct Debit is a service that enables businesses to automatically collect payments from their customers. Through Auto Direct Debit, customers can conveniently pay their bills without manual intervention.

The process involves setting up a issuing bills, allowing the business to automatically debit from the customer's account when have new invoices and amount update.

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Customer Journey

Process subscribe auto direct debit jouney from Bank App.

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Authorize Process

Proccess authorization to get access token

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Subscribe Flow from Merchant side.

1.0 - Customer choose customer in Merchant platform to subscribe service.

1.1 - The Merchant will call to Bill24 to init subscription.

1.2 - The Bill24 will return Subscription No with URL.

1.3 - The Merchant will redirect to web URL / opne SDK.

1.4 - The Bill24 will display customer information.
1.5 - The Customer choose Bank and subscribe service Auto Direct Debit.

1.6 - The Bill24 process to subscribe service.

1.7 - Return result to Merchant side.

1.8 - Return result to Custmoer.

Subscribe Flow

This is full subscribe flow.

1.0 - The customer initiates the process by entering the Biller Code and their Consumer Code into the Bank App.

1.1 - The Bank receives the consumer and starts the validation process. It sends a request to Bill24 to validate the consumer information.

1.2 - Bill24 takes the consumer information received from the Bank and forwards an inquiry to the Biller to retrieve the consumer details. Through endpoint inquiry consumer validate .

1.3 - The Biller processes the inquiry and returns the relevant consumer information back to Bill24.

1.4 - Bill24 sends the validated consumer information back to the Bank, confirming that the customer details are correct.

1.5 - The Bank shows the validated consumer information to the Customer on their interface for verification.

2.0 - The Customer checks the displayed information and confirms to proceed with the subscription. This confirmation on the Bank App.

2.1 - The Bank processes the subscription request and sends this request to Bill24 for further processing.

2.2 - Bill24 handles the subscription process and returns the result (whether the subscription is successful or not) to the Bank.

2.3 - The Bank then displays the subscription result (success or failure) to the Customer, completing the process.

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Payment Flow

This is full Payment flow.

1.0 - The Biller updates the consumer's debt status. This triggers a process to inform other entities of the debt update.

1.1 - The Biller sends a list of consumer codes that have had debt updates (this could involve multiple consumers) to Bill24. Through endpoint consumer's debt update .

1.2 - Bill24 filters or selects only the consumers who are subscribed to the biller. This step ensures only relevant consumers' debt information is processed.

1.3 - Bill24 sends an inquiry to the Biller to get detailed information on the updated debt for the selected consumers. Through endpoint inquiry consumer debt .

1.4 - The Biller responds to Bill24 with detailed information about the consumers' updated debt.

1.5 - Once the debt details are received, Bill24 processes the payment by sending a payment request to the Bank.

1.6 - The Bank processes the payment and sends the result (whether successful or failed) back to Bill24.

2.0 - When the payment is successful, Bill24 informs the Biller via a webhook to update the status on their end.

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