Crediting the end-user is done with the DirectCredit instruction. Note that credit is not available in the SEPA region, instead a refund will have to be used.
This method is used to credit the end-user, eg transferring funds from your account to the consumer. As this feature is a bit different depending on market, please check the differences below
[BACS] - Crediting the user can be archived either by specifying the accountId or the full account number (sort-code and account number). If you know the accountId for the consumer, it’s a convenient way to send funds to the account behind that account number.
[Bankgiro] - Crediting the user can be done in two ways, either via Autogiro or via “Leverantörsutbetalningar”. Using Autogiro, you must use the merchantReference as that is mapped to the payerNumber in Autogiro which is to whom the credit is sent. Please note that for this, the mandate must be active. For this, there must be an active mandate. With “Leverantörsutbetalningar”, you may send funds to another bankgiro-number or any other swedish bank account. You will however need to have this enabled with your bank.
[SepaDD] - Credit is not available using the direct debit rails, however, if needed, you may use the Trustly AccountPayout functionality but that will require your Trustly account to be funded.
For Bankgiro, it's important to use the merchantReference if accountId is used, as it's basically the merchantReference that is mapping to the correct account number. If just AccountNumber/BankIdentifier fields are used, then the merchantReference is not in use at all.
{
"method":"DirectCredit",
"params":{
"UUID":"258a2184-2842-b485-25ca-293525152425",
"Data":{
"Username":"merchant_username",
"Password":"merchant_password",
"MessageID":"your_unique_order_id",
"EndUserID":"unique_end_user_id",
"NotificationURL":"https://URL_to_your_notification_service",
"AccountID":"1234567890",
"Amount":"25.00",
"Currency":"GBP",
"Country": "GB",
"Attributes":{
"PaymentDate":"2022-11-17",
"MerchantReference": "AAADESF0F1"
}
},
"Signature":"f4ThjuMqbsdG6u ... S16VbzD4h==",
},
"version":"1.1"
}{
"result": {
"signature":"QBuLx ... JDGM/GVq5EBaPnGmvxA==",
"uuid":"258a2184-2842-b485-25ca-293525152425",
"method":"DirectCredit",
"data":{
"result":"1",
"rejected":"",
"orderid":"1234512345"
}
},
"version":"1.1"
}