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Direct Debit

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Direct debit is the process of funds transfer from one bank account to another. Currently, the following direct debit systems are supported within the system: ACH for US and Canada, BACS for UK, SEPA for EU and Direct Entry for Australia and New Zealand.

For direct debit transactions, two fields are required:

  • Bank identification number, submitted as accountAccessory
  • Bank account number, submitted as accountNumber

To format these fields correctly, please use guidelines below depending on the country.

US ACH​

For ACH transaction processing in the US, the routing number is used as accountAccessory and its format is a nine-digit number. For example, 325070760.

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See this link for more information.

Canada ACH​

For ACH (EFT) transaction processing in Canada, the routing number is submitted as a nine-digit number including three required fields: three-digit institution number, five-digit branch number, and account number. For processing purposes of Canadian ACH, the institution number and branch number are combined in a single routing number value using the rules below:

  • The Canadian routing number is comprised of three parts: a leading zero (0), three-digit institution number (YYY) and five-digit branch number (XXXXX), which go respectively all together with no dashes: 0YYYXXXXX. Please, note that the institution number (YYY) should never be all zeros (000). See this link for complete list of institution numbers.
  • The XXXXX-YYY format with a dash between the branch number and the institution number is only valid for paper-type transactions, such as checks. Thus, if a check reads XXXXX-YYY, the corresponding EFT code will be 0YYYXXXXX.

EU SEPA​

For SEPA transaction processing in the European Union:

Bank Identification Number (BIC)​

  • Consists of 8-11 characters
  • Comprised of:
    • Four-letter institution code or bank code
    • Two-letter country code
    • Two-letter or two-digit location code
    • Three-letter or three-digit branch code (optional)
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See this link to have better understanding of BIC format.

Account Number (IBAN)​

  • Consists of up to 34 alphanumeric characters
  • Comprised of:
    • Two-letter country code
    • Two check digits
    • Bank account number
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See this link to have better understanding of IBAN format.

UK BACS​

For BACS transaction processing in the United Kingdom:

Bank Identification Number​

  • Consists of 6 digits
  • Comprised of:
    • Two-digit bank code
    • Four-digit branch number
  • Example: 12-34-56
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See this link to have better understanding of sort codes.

Account Number​

  • Consists of 8-10 digits

Australia/New Zealand Direct Entry​

For Direct Entry transaction processing in Australia:

Bank Identification Number (BSB)​

  • Consists of 6 digits
  • Comprised of:
    • Two-digit bank code
    • Four-digit branch number
  • Example: 033088
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See these links for complete lists of bank codes:

Account Number​

  • Consists of up to 17 characters