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.

To start using the API, developers must register for the Bill24 Portal (demo), Once registered, Bill24 will review the request and send an authorization token, which is needed to access the API.

Businesses using Bill24

Customer Journey

Process subscribe auto direct debit jouney from Bank App.

Payment

Menu

Auto Pay

Input Info

Successful

Authorize Process

Proccess authorization to get access token

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 / open 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 Customer.

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.

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.