---
title: "Request a SEPA Direct Debit (SDD)"
method: POST
path: "/v2/moneyins/sdd/init"
tags: ["MoneyIns | Direct Debits"]
---

# Request a SEPA Direct Debit (SDD)

`POST /v2/moneyins/sdd/init`

SEPA Direct Debit requests are sent to our bank every working day at 10:30am (CET).<br />
Prequisites:<br />
1. You allow your client to fill in a mandate, and pre-registers it with Lemonway, by calling POST /moneyins/sdd/mandate<br />
2. Follow the SignDocumentInit process in order to electronically sign the mandate<br />
Request the direct debit:<br />
1. You call POST /moneyins/sdd/init to request a debit<br />
2. Lemonway sends the request to the bank every working day at 10:30am (CET).<br />
3. Once the request is sent to the bank, the debit on the customer's bank account will happens about 1 working day later. If you indicate a date, the debit will happen on the given date.<br />
4. When Lemonway receives the payment, the SDD payment will be validated and the client payment account will be credited<br />
5. You can call GET /moneyins/sdd once a day in order to know which payments have been validated.You can also use our notification functionality.<br />
**Important: Setting up an SDD with Italian Banks**. This rule **only applies to the first** B2B direct debit request for an Italian IBAN.    
Thereafter, **all future debits** take place within the **standard 1-2 day** time frame. The mandate validation process for Italian banks  
takes approximately 14 calendar days from the reception of the first SDD request. Even if you initially specify a debit date, the funds  
will only be debited 14 days after the request date.  
**Example:** If you specify that you would like the first Direct Debit to take place on 4th April 2022 and you submit a request before 10:30am (CET)  
on the 30th March 2022. The direct debit will take place on 18th April 2022.

## Headers

- `Authorization` string, required
- `PSU-Accept-Language` string
- `PSU-IP-Address` string, required
- `PSU-User-Agent` string

## Request body

- MoneyInSddInitInput
  - `sddMandateId` integer — Mandate ID
  - `collectionDate` string — Debit date of the bank account, must be later than the default date. Leave empty in order to use the default date: current date + 1 working days before 10:30 AM or current date + 2 working days after.
  - `reference` string — Unique ID of the call, generated by your server. This ID can be used as a search field when looking for operation details
  - `accountId` string, required — Payment Account ID to Credit
  - `totalAmount` integer, required — Amount to Debit Amounts are given as integer numbers in cents
  - `commissionAmount` integer — Your Fee Amounts are given as integer numbers in cents
  - `comment` string — Comment Regarding the Transaction
  - `autoCommission` boolean — If true: 1. [amountCom] will be ignored and will be replaced with Lemonway's fee 2. You will not receive any fee

## Response `200`

OK

- MoneyInSddInitOutput
  - `transaction` TransactionIn
    - `receiverAccountId` string — Credited Account
    - `creditAmount` integer — Credited Amount Amounts represented in integer (cents)
    - `scheduledDate` string
    - `scheduledNumber` string
    - `maskedLabel` string
    - `PSP` PSP
      - `message` string — Get the Error Message from PSP
    - `card` Card
      - `id` integer
      - `is3DS` boolean — Card with 3-DS authentication
      - `country` string — Card issuing country
      - `authorizationNumber` string — Authorization number
      - `maskedNumber` string — Masked card number
      - `expiration` string — Expiration date (if available)
      - `type` string — Card type (example: Visa or Mastercard)
      - `isRegistered` boolean — Card is registered
      - `holderName` string — Card's holder name
    - `bankStatus` string
    - `refundAmount` number, double
    - `bankReference` string — Bank reference
    - `ChequeSendingAddress_CorporateName` string — A specified postal address for the cheque
    - `ChequeSendingAddress_Street` string — Cheque sending address street name
    - `ChequeSendingAddress_City` string — Cheque sending address city name
    - `ChequeSendingAddress_PostCode` string — Cheque sending address post code
    - `threeDS` ThreeDs
      - `threeDSModeRequested` string — 3DS Exemption Request Possible value: NO_PREFERENCE: The issuing Bank can choose to activate or not 3DS v2.
      - `threeDSResult` string — 3DS Authentication Result Possible values: - CHALLENGE: 3DS v2 was activated and the card owner was asked to be strongly authenticated. - FRICTIONLESS: 3DS v2 was not activated. - NONE: We could not get the SCA result.
    - `buyNowPayLaterInfo` BnplInfo
      - `paymentPlanId` integer — Payment Plan ID
      - `type` string — Payment plan type.
      - `secondInstallmentPaymentDate` string — Second installment payment date. Format: yyyy-MM-dd
      - `deferredPaymentDate` string — Deferred payment date. Format: yyyy-MM-dd
    - `id` integer — Transaction ID
    - `method` integer — Payment Method 0 Card 1 Bank transfer (MoneyIn) 3 Bank transfer (MoneyOut) 4 P2P 13 iDEAL 14 SEPA DirectDebit 15 Cheque 19 Multibanco 21 MBWAY 30 BNPL 35 PayPal --- **Important:** The following services have been discontinued. 16 Neosurf 17 Sofort 18 PFS Physical Card 20 Payshop 22 Polish Instant Transfer 23 Pagare 24 MobilePay 25 Paytrail 26 WeChat 27 P24 28 MoneyIn by TPE 29 Trustly
    - `methodDetails` 0 | 1 — Payment Method Details 0 Standard 1 Pay By Bank<br/>0 = STANDARD.<br/>1 = PAY_BY_BANK.<br/>
    - `date` integer — Transaction initialization date, UTC Unix timestamp
    - `commissionAmount` integer — Your fee Amounts are given as integer numbers in cents
    - `comment` string — Comment
    - `status` integer — **For the following endpoints uses the below status code** /v2/accounts/{accountId}/transactions /v2/moneyins /v2/moneyins/card/direct /v2/moneyins/card/{cardid}/rebill /v2/moneyins/card/{cardid}/subscription /v2/moneyins/{transactionid}/validate /v2/moneyins/sdd/init /v2/moneyins/sdd /v2/moneyins/{transactionid}/cancel /v2/refund/{transactionid} /v2/refundcreate/{transactionId} 0: Success 3: Lemonway Error 4: Pending 6: PSP error 7: Cancelled 16: Validation pending **For the following endpoints uses the below status code** /v2/disputes /v2/moneyins/bankwire /v2/moneyins/card/direct/3dinit /v2/moneyouts /v2/p2p /v2/p2p/{transactionid?} 0: Waiting for finalization 3: Success 4: Lemonway Error
    - `executionDate` integer — Transaction execution date
    - `lemonWayCommission` LemonWayCommission
      - `idp2p` string
      - `amount` integer — Amounts are represented as integer in cents (Euro) Represented as an integer in cents (Euro)
    - `reference` string — Unique ID generated by your server
    - `remainingAmount` integer
    - `substatus` string — Is Payment token consumed?
  - `error` Error
    - `code` integer
    - `message` string
    - `psp` PSP
      - `message` string — Get the Error Message from PSP

## Other responses

- `401` — Unauthorized
- `500` — InternalServerError

---

[API](https://skmtc.net/lemonway/apis/account-onboarding-management-api.md) · [All operations](https://skmtc.net/lemonway/apis/account-onboarding-management-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/lemonway/account-onboarding-management-api/revisions/73309fe68e2d/schema)