# Direct Debit Webhooks (https://docs.tryacme.com/reference/webhooks-direct-debit)
> For AI agents: the documentation index is at [llms.txt](https://docs.tryacme.com/llms.txt), with every page in one file at [llms-full.txt](https://docs.tryacme.com/llms-full.txt). Each page is also available as Markdown by appending `.md` to its URL.
Example webhook bodies for direct debit authorizations, payments and payment batches.
See [how to read the webhook examples](https://docs.tryacme.com/guides/webhook-examples). The values are made up, but every
field, its order and its format match what Acme sends.
## Direct Debit Authorizations [#direct-debit-authorizations]
Successful direct debit authorization (`direct-debit-authorizations.succeeded`):
Singapore (eGIRO)
Malaysia
Hong Kong
```json
{
"id": "wbh_0RWF7FWW5Y563",
"createdAt": "2026-10-08T05:06:58.325593865Z",
"mode": "LIVE",
"event": "direct-debit-authorizations.succeeded",
"object": {
"id": "dda_0RWF7FW49Y7ZN",
"billReferenceNumber": "ROCKETCUST10482",
"payerSwiftBic": "OCBCSGSGXXX",
"payerBankCode": null,
"payerSegment": "RETAIL",
"payerName": "TAN WEI MING",
"payerBankAccountNumber": "5012846731",
"payerIdHash": "9f2c4e81a6b03d57e1f4a8c26b9d0e73f5a1c84b2d6e09f7a3b5c18d4e2f6a90",
"payerIdType": "NRIC",
"status": "SUCCEEDED",
"failureReason": null,
"underlyingErrorMessage": null,
"startDate": "2026-10-08",
"precheckMinAmount": null,
"precheckMaxAmount": 100000,
"precheckCurrency": "SGD",
"maxAmount": 100000,
"maxAmountCurrency": "SGD",
"payerAuthorizedMaxAmount": 50000,
"endDate": null,
"authorizeUrl": "https://api.tryacme.com/redirection/direct-debit-authorizations/dda_0RWF7FW49Y7ZN/authorize",
"cancelUrl": null,
"returnUrl": "https://rocketshop.com/egiro/return",
"cancelReturnUrl": null,
"transactionReference": "ROCKETSG0120261008130336065141",
"createdAt": "2026-10-08T05:03:36.065Z",
"updatedAt": "2026-10-08T05:06:58.318Z"
}
}
```
```json
{
"id": "wbh_0RWF7FX0NY5BE",
"createdAt": "2026-10-08T06:20:41.991203477Z",
"mode": "LIVE",
"event": "direct-debit-authorizations.succeeded",
"object": {
"id": "dda_0RWF7FX0HY76J",
"billReferenceNumber": "RSMY-CUST-2291",
"payerSwiftBic": "MBBEMYKLXXX",
"payerBankCode": null,
"payerSegment": "RETAIL",
"payerName": "AHMAD BIN HASSAN",
"payerBankAccountNumber": null,
"payerIdHash": null,
"payerIdType": null,
"status": "SUCCEEDED",
"failureReason": null,
"underlyingErrorMessage": null,
"startDate": "2026-10-08",
"precheckMinAmount": 0,
"precheckMaxAmount": 50000,
"precheckCurrency": "MYR",
"maxAmount": null,
"maxAmountCurrency": null,
"payerAuthorizedMaxAmount": 0,
"endDate": null,
"authorizeUrl": "https://bit.ly/3E1Lk0b",
"cancelUrl": null,
"returnUrl": "https://rocketshop.com.my/edda/return",
"cancelReturnUrl": null,
"transactionReference": "DDA0RWF7FX0HY76J",
"createdAt": "2026-10-08T06:18:02.774Z",
"updatedAt": "2026-10-08T06:20:41.980Z"
}
}
```
```json
{
"id": "wbh_0RWFS5YQ3AZKG",
"createdAt": "2026-10-08T07:45:12.410388264Z",
"mode": "LIVE",
"event": "direct-debit-authorizations.succeeded",
"object": {
"id": "dda_0RWFS5YQ3AZKF",
"billReferenceNumber": "RSHK000918",
"payerSwiftBic": "HSBCHKHHHKH",
"payerBankCode": "004",
"payerSegment": null,
"payerName": "CHAN TAI MAN",
"payerBankAccountNumber": "004123456838",
"payerIdHash": null,
"payerIdType": null,
"status": "SUCCEEDED",
"failureReason": null,
"underlyingErrorMessage": null,
"startDate": "2026-10-08",
"precheckMinAmount": 0,
"precheckMaxAmount": 500000,
"precheckCurrency": "HKD",
"maxAmount": null,
"maxAmountCurrency": null,
"payerAuthorizedMaxAmount": 0,
"endDate": null,
"authorizeUrl": null,
"cancelUrl": null,
"returnUrl": null,
"cancelReturnUrl": null,
"transactionReference": null,
"createdAt": "2026-10-08T07:44:58.302Z",
"updatedAt": "2026-10-08T07:45:12.398Z"
}
}
```
Failed direct debit authorization (`direct-debit-authorizations.failed`). An authorization the payer
did not complete in time also arrives as this event, with `failureReason` set to
`PAYER_AUTHORIZATION_TIMEOUT`:
```json
{
"id": "wbh_0RWF7FX0DY607",
"createdAt": "2026-10-08T05:09:14.508116730Z",
"mode": "LIVE",
"event": "direct-debit-authorizations.failed",
"object": {
"id": "dda_0RWF7FX01Y43X",
"billReferenceNumber": "ROCKETCUST10483",
"payerSwiftBic": "OCBCSGSGXXX",
"payerBankCode": null,
"payerSegment": "RETAIL",
"payerName": "TAN WEI MING",
"payerBankAccountNumber": null,
"payerIdHash": null,
"payerIdType": null,
"status": "FAILED",
"failureReason": "PAYER_AUTHORIZATION_FAILED",
"underlyingErrorMessage": "BA3002: Consent not given by applicant on bank website for eDDA creation. eDDA creation unsuccessful",
"startDate": "2026-10-08",
"precheckMinAmount": null,
"precheckMaxAmount": 100000,
"precheckCurrency": "SGD",
"maxAmount": 100000,
"maxAmountCurrency": "SGD",
"payerAuthorizedMaxAmount": 0,
"endDate": null,
"authorizeUrl": "https://api.tryacme.com/redirection/direct-debit-authorizations/dda_0RWF7FX01Y43X/authorize",
"cancelUrl": null,
"returnUrl": "https://rocketshop.com/egiro/return",
"cancelReturnUrl": null,
"transactionReference": "ROCKETSG0120261008130840117302",
"createdAt": "2026-10-08T05:08:40.117Z",
"updatedAt": "2026-10-08T05:09:14.496Z"
}
}
```
Canceled direct debit authorization (`direct-debit-authorizations.canceled`):
```json
{
"id": "wbh_0RWFS5YQ7AXFQ",
"createdAt": "2026-10-09T01:02:44.133720198Z",
"mode": "LIVE",
"event": "direct-debit-authorizations.canceled",
"object": {
"id": "dda_0RWFS5YQ3AZKF",
"billReferenceNumber": "RSHK000918",
"payerSwiftBic": "HSBCHKHHHKH",
"payerBankCode": "004",
"payerSegment": null,
"payerName": "CHAN TAI MAN",
"payerBankAccountNumber": "004123456838",
"payerIdHash": null,
"payerIdType": null,
"status": "CANCELED",
"failureReason": null,
"underlyingErrorMessage": null,
"startDate": "2026-10-08",
"precheckMinAmount": 0,
"precheckMaxAmount": 500000,
"precheckCurrency": "HKD",
"maxAmount": null,
"maxAmountCurrency": null,
"payerAuthorizedMaxAmount": 0,
"endDate": null,
"authorizeUrl": null,
"cancelUrl": null,
"returnUrl": null,
"cancelReturnUrl": null,
"transactionReference": null,
"createdAt": "2026-10-08T07:44:58.302Z",
"updatedAt": "2026-10-09T01:02:44.120Z"
}
}
```
## Direct Debit Payments [#direct-debit-payments]
Successful direct debit payment (`direct-debit-payments.succeeded`):
Singapore FAST
Singapore GIRO (batch)
Malaysia
```json
{
"id": "wbh_0RWF7FX65Y4V3",
"createdAt": "2026-10-08T05:49:56.143613113Z",
"mode": "LIVE",
"event": "direct-debit-payments.succeeded",
"object": {
"id": "dpymt_0RWF7FX59Y4W0",
"type": "FAST",
"amount": 1250,
"currency": "SGD",
"directDebitAuthorizationId": "dda_0RWF7FW49Y7ZN",
"customerReference": "OCTSUBFEE10482",
"receiver": {
"bankAccountNumber": "0721845093"
},
"status": "SUCCEEDED",
"resultCode": null,
"underlyingErrorMessage": null,
"createdAt": "2026-10-08T05:49:54.557Z",
"updatedAt": "2026-10-08T05:49:56.135Z"
}
}
```
```json
{
"id": "wbh_0RWF7GYFMEPVG",
"createdAt": "2026-10-10T02:31:18.702556120Z",
"mode": "LIVE",
"event": "direct-debit-payments.succeeded",
"object": {
"id": "dpymt_0RWF7GYDREPY1",
"type": "GIRO",
"amount": 8900,
"currency": "SGD",
"directDebitAuthorizationId": "dda_0QK6P9D2VF7WS",
"customerReference": "SUB-OCT26-00187",
"receiver": {
"bankAccountNumber": "0721845093"
},
"status": "SUCCEEDED",
"resultCode": null,
"underlyingErrorMessage": null,
"batchId": "bddp_0QK7P3R8CW2NA",
"createdAt": "2026-10-08T08:47:05.902Z",
"updatedAt": "2026-10-10T02:31:18.664Z",
"metadata": {
"fileName": "UFF1_ROCKETSG01_20261008_1652.txt"
}
}
}
```
```json
{
"id": "wbh_0RWF7GYACEP3H",
"createdAt": "2026-10-08T01:00:19.889305127Z",
"mode": "LIVE",
"event": "direct-debit-payments.succeeded",
"object": {
"id": "dpymt_0RWF7GY9MENG0",
"type": "MY_FPX",
"amount": 9900,
"currency": "MYR",
"directDebitAuthorizationId": "dda_0QK6R4M8TB2XC",
"customerReference": "RSMY-OCT26-2291",
"receiver": {
"bankAccountNumber": "2213018475"
},
"status": "SUCCEEDED",
"resultCode": null,
"underlyingErrorMessage": null,
"createdAt": "2026-10-08T01:00:12.402Z",
"updatedAt": "2026-10-08T01:00:19.877Z"
}
}
```
* `batchId` and `metadata` are sent only for a payment that is part of a
[batch](#direct-debit-payment-batches).
* Payments in a batch can arrive several at a time, under `objects`.
* For a payment made with an authorization kept outside Acme, `directDebitAuthorizationId` is left
out and `directDebitAuthorizationInformation` is sent instead.
* `previousPaymentStatus` is sent only when the bank reports the payment as a duplicate.
Failed direct debit payment (`direct-debit-payments.failed`). `underlyingErrorMessage` is the bank's
code and description:
Singapore FAST
Hong Kong
```json
{
"id": "wbh_0RWF7FXADY4H2",
"createdAt": "2026-10-08T05:50:02.771904316Z",
"mode": "LIVE",
"event": "direct-debit-payments.failed",
"object": {
"id": "dpymt_0RWF7FXA9Y7VP",
"type": "FAST",
"amount": 1250,
"currency": "SGD",
"directDebitAuthorizationId": "dda_0RWF7FW49Y7ZN",
"customerReference": "OCTSUBFEE10483",
"receiver": {
"bankAccountNumber": "0721845093"
},
"status": "FAILED",
"resultCode": "INSUFFICIENT_FUNDS",
"underlyingErrorMessage": "1209: Insufficient funds",
"createdAt": "2026-10-08T05:50:00.204Z",
"updatedAt": "2026-10-08T05:50:02.760Z"
}
}
```
```json
{
"id": "wbh_0RWF7GYD4EQCK",
"createdAt": "2026-10-09T01:42:37.574812093Z",
"mode": "LIVE",
"event": "direct-debit-payments.failed",
"object": {
"id": "dpymt_0RWF7GYD4EQCJ",
"type": "HK_DDI",
"amount": 48000,
"currency": "HKD",
"directDebitAuthorizationId": "dda_0QK6S7B1HN4QE",
"customerReference": "RSHK-OCT26-0918",
"receiver": {
"bankAccountNumber": "447120983561"
},
"status": "FAILED",
"resultCode": "INSUFFICIENT_FUNDS",
"underlyingErrorMessage": "AM04: Insufficient Funds",
"createdAt": "2026-10-08T02:30:05.118Z",
"updatedAt": "2026-10-09T01:42:37.560Z"
}
}
```
## Direct Debit Payment Batches [#direct-debit-payment-batches]
Direct debit payment batch submitted (`direct-debit-payment-batches.submitted`):
```json
{
"id": "wbh_0RWF7FXFDY4TB",
"createdAt": "2026-10-08T08:52:41.079452816Z",
"mode": "LIVE",
"event": "direct-debit-payment-batches.submitted",
"object": {
"id": "bddp_0QK7P3R8CW2NA",
"type": "GIRO",
"paymentDate": "2026-10-09",
"currency": "SGD",
"status": "SUBMITTED",
"createdAt": "2026-10-08T08:47:02.318204Z",
"updatedAt": "2026-10-08T08:52:41.067913Z"
}
}
```
Direct debit payment batch rejected (`direct-debit-payment-batches.rejected`):
```json
{
"id": "wbh_0RWF7FXHHY5V0",
"createdAt": "2026-10-08T09:14:26.544190263Z",
"mode": "LIVE",
"event": "direct-debit-payment-batches.rejected",
"object": {
"id": "bddp_0QK7P5W1JD6TB",
"type": "GIRO",
"paymentDate": "2026-10-09",
"currency": "SGD",
"status": "FAILED",
"createdAt": "2026-10-08T08:47:02.318204Z",
"updatedAt": "2026-10-08T09:14:26.530718Z"
}
}
```