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Raise BACS Direct Debit indemnity claim [beta]

post
https://sandbox.pismolabs.io/bacs/v1/payments/bacs/directdebit/claims

Create a BACS Direct Debit Indemnity Claim (DDIC).

A DDIC reclaims money that was incorrectly debited from a payer's account under the Direct Debit Guarantee. The claim is validated and persisted, then submitted asynchronously to the BACS scheme via Form3.

Notes:

  • The operation is idempotent via the Idempotency-key header.

  • The claim is persisted with status = CREATED and submitted asynchronously. Creation itself returns immediately.

  • Subsequent status transitions generate a BACS direct debit claim status changed event.

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Body Params

Raise claim request body

Payload to create a DDIC claim

string
required
^[0-9]{6}$

The six-digit Bacs Service User Number (SUN) of the institution raising the claim

string
required
length ≤ 18
^DDIC[A-Za-z0-9]{2,14}$

Claim reference. Must begin with DDIC followed by 2-6 alphanumeric characters (maximum length 18).

BACS reserves the DDIC prefix for indemnity-claim references.

string
enum
required

Direct Debit Indemnity Claim (DDIC) reason code. BACS DDIC scheme rules that indicate why the indemnity claim is being raised:

  • 1— The amount and/or date collected differs from the advance notice.

  • 2— No advance notice was received (or the payment was collected earlier than notified).

  • 3— The Direct Debit Instruction (DDI) is disputed / no valid mandate is held.

  • 4— The payer canceled the DDI directly with the service user.

  • 5— The account holder is deceased.

  • 6— The payer canceled the DDI with their bank.

  • 7— Claim raised at the service user's request.

  • 8— Service user name disputed / the payer does not recognise the collecting service user.

Conditional fields:

  • 3—processing_date is REQUIRED.

  • 7—contact_name and request_date are REQUIRED.

original_instruction
object
required

Original Direct Debit Instruction (DDI) the claim relates to

disputed_transactions
array of objects
required
length between 1 and 12
disputed_transactions*

Single disputed Direct Debit collection included in the claim

string
required
length ≤ 20

Disputed transaction amount

date
required

Disputed transaction date. Format = YYYY-MM-DD.

int32
≤ 12

If passed, it must equal the number of disputed_transactions. Maximum 12.

date

Processing date.

REQUIRED when reason_code = 3. Do NOT pass otherwise.

Format = YYYY-MM-DD.

string
length ≤ 51

Service user contact name.

REQUIRED if reason_code = 7. Do NOT pass otherwise.

Must NOT be all spaces.

date

Service user request date. Format = YYYY-MM-DD.

REQUIRED when reason_code = 7. Do NOT pass otherwise.

string
length ≤ 255

Free-text reason for the claim

Headers
string
required

Account token - access token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a 401 Unauthorized message

string
required
length ≤ 32

A UUID (without hyphens) to ensure the operation remains idempotent, allowing for operation repetition without causing unintended effects or duplication. Identifies the transaction on future events.

Responses

Updated 21 days ago

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Updated 21 days ago

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