Direct Debit in the Philippines allows automatic fund transfers from a customer’s bank account for seamless payments.

Integrating on your website / application

Step 1: Create a payin

Tazapay uses a payin object to represent your intent to collect a payment from your customer. The payin object tracks state changes from directdebit transaction creation to payment completion.
Create a payin on your server with an amount, invoice_currency PHP and a transaction_description using the create payin API

A payin is created with the status requires_payment_method.

Sample cURL

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin \
     --header 'accept: application/json' \
     --header 'authorization: Basic YWtfdGVzdF9ZTFNVQUUwVjRCSEpIOFg0ODZPQzpza190ZXN0X0hNOEM3SEVSV1BmODVPZnFCMXhLTUJJMWlENnVWYTEyUWN2VE5ZeVJhSHhRZjVTOW9pZUtoOVZzejg3cnhtSEpaSlcyTHdVc0NSY2RWbUR0d0U4Q0VkdWNIUXRnNVQzVjl1NkltQWludkdiMjhWeXhTVVlsTTFMWWllbU80THFt' \
     --header 'content-type: application/json' \
     --data '{
  "invoice_currency": "PHP",
  "amount": 100000,
  "transaction_description": "1 X Goods",
  "webhook_url": "https://webhook.site/ref8y92937922"
}'

Step 2: Confirm a payin

Confirm the payin created in step 1 using the confirm payin API. Upon confirmation of the payin, a redirection URL is generated. The status of the payin moves to requires_action

Sample cURL

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin/pay_uiabfuiahfanwofihwnwon/confirm \
     --header 'accept: application/json' \
     --header 'authorization: Basic YWtfdGVzdF9ZTFNVQUUwVjRCSEpIOFg0ODZPQzpza190ZXN0X0hNOEM3SEVSV1BmODVPZnFCMXhLTUJJMWlENnVWYTEyUWN2VE5ZeVJhSHhRZjVTOW9pZUtoOVZzejg3cnhtSEpaSlcyTHdVc0NSY2RWbUR0d0U4Q0VkdWNIUXRnNVQzVjl1NkltQWludkdiMjhWeXhTVVlsTTFMWWllbU80HFt' \
     --header 'content-type: application/json' \
     --data '
{
  "customer_details": {
    "name": "Lily",
    "email": "[email protected]",
    "country": "PH"
  },
  "payment_method_details": {
    "type": "directdebit_php"
  }
}'

Combining Steps 1 and 2 into a single step

Instead of making 2 API calls, you can also combine steps 1 and 2 into a single API call. To do so, pass the parameters in both the create payin and confirm payin endpoints to the create payin API.

Also, pass the following field and set confirm equals true.

Sample cURL

curl --location 'https://service-sandbox.tazapay.com/v3/payin' \
--header 'accept: application/json' \
--header 'authorization: Basic YWtfdGVzdF9ZTFNVQUUwVjRCSEpIOFg0ODZPQzpza190ZXN0X0hNOEMSEVSV1BmODVPZnFCMXhLTUJJMWlENnVWYTEyUWN2VE5ZeVJhSHhRZjVTOW9pZUtoOVZzejg3cnhtSEpaSlcyTHdVc0NSY2RWbUR0d0U4Q0VkdWNIUXRnNVQzVjl1NkltQWludkdiMjhWeXhTVVlsTTFMWWllbU80THFt' \
--header 'content-type: application/json' \
--data-raw '{
  "invoice_currency": "PHP",
  "amount": 100,
  "transaction_description": "1 X Good",
  "webhook_url": "https://webhook.site/ref8y92937922",
	"success_url":"https://mypage.success",
  "cancel_url":"https://mypage.failure",
  "confirm":true,
  "customer_details": {
    "name": "Lily",
    "email": "[email protected]",
    "country": "PH"
  },
  "payment_method_details": {
    "type": "directdebit_php"
    }
  }
'

Step 3: Redirect the customer to the payment URL

After confirming the payin, you will receive the following response. You will receive a redirect_url where you can redirect your customer to. You must redirect the customer to latest_payment_attempt_data.redirect_url in order to enable them to complete the payment.

{
    "status": "success",
    "message": "",
    "data": {
        "amount": 100,
        "amount_paid": 0,
        "billing_details": null,
        "cancel_url": "https://mypage.failure",
        "cancelled_at": null,
        "client_token": "vMivH-C9-yA-AvhDhBD4QugxDXWudk5IsQJlzwxz-PQ=",
        "confirm": true,
        "created_at": "2025-01-07T10:47:31.942393384Z",
        "customer": "cus_ctudcp970g0h95qqvb30",
        "customer_details": {
            "country": "PH",
            "email": "[email protected]",
            "name": "Lily",
            "phone": null
        },
        "holding_currency": "USD",
        "id": "pay_ctugcgs2ukmk385taqu0",
        "invoice_currency": "PHP",
        "items": [],
        "latest_payment_attempt": "pat_ctugcgs2ukmk385tar0g",
        "latest_payment_attempt_data": {
            "expires_at": "2025-01-07T10:52:31Z",
            "redirect_url": "https://checkout-sandbox.tazapay.com/single-payment.html?tzid=vMivH-C9-yA-AvhDhBD4QugxDXWudk5IsQJlzwxz-PQ=&spid=aHR0cHM6Ly9jaGVja291dC1zYW5kYm94LnRhemFwYXkuY29tL3NpbXVsYXRlL3ZNaXZILUM5LXlBLUF2aERoQkQ0UXVneERYV3VkazVJc1FKbHp3eHotUFE9L3BheV9jdHVnY2dzMnVrbWszODV0YXF1MC9kaXJlY3RkZWJpdF9waHA="
        },
        "metadata": null,
        "object": "payin",
        "paid_in_excess": false,
        "partially_paid": false,
        "payment_attempts": [],
        "payment_method_details": {
            "type": "directdebit_php"
        },
        "reference_id": "",
        "shipping_details": null,
        "statement_descriptor": "",
        "status": "requires_action",
        "status_description": "",
        "success_url": "https://mypage.success",
        "transaction_data": [],
        "transaction_description": "1 X Good",
        "transaction_documents": [],
        "webhook_url": "https://webhook.site/ref8y92937922"
    }
}

Step 4: Handle post-payment events

Tazapay sends a payin.succeeded event as soon as the funds are received from the customer. Tazapay sends these events to the endpoint configured from your dashboard. You can receive these events and run actions (for example, sending an order confirmation email to your customers, logging the sale in a database, starting a shipping workflow, etc.)

If the payment is not made by the customer within 30 minutes and the URL expires, Tazapay sends a payment_attempt.failed event. To generate a new URL, confirm the payin again using Step 2.

Expiration and cancellation

This payment method requests expire after 30 minutes and the customer cannot pay once the request has expired. After expiration, the status of the payin changes to requires_payment_method. At this point, you can confirm the payin with another payment method or cancel.

Test the Integration

You can simulate the following scenarios on the redirect_url

1. Successful Payment - Click on Simulate Success CTA. A payin.succeeded event will be triggered. The status of the payin will change to succeeded.
2. Failed Payment - Click on Simulate Failure CTA. A payment_attempt.failed event will be triggered. The status of the payin will change to requires_payment_method.

Integrating Refunds

You can refund a transaction in two ways - using the dashboard or using Refund API.

This method does not supports partial refunds, that is, only refunds with amount equal to the invoice amount are supported.

Refunding using dashboard

Refer to this guide: https://support.tazapay.com/how-do-i-request-a-refund-from-my-dashboard

Refund using API

Sample cURL

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/refund \
     --header 'accept: application/json' \
     --header 'authorization: Basic YWtfdGVzdF9ZTFNVQUUwVjRCSEpIOFg0ODZPQzpza190ZXN0X0hNEM3SEVSV1BmODVPZnFCMXhLTUJJMWlENnVWYTEyUWN2VE5ZeVJhSHhRZjVTOW9pZUtoOVZzejg3cnhtSEpaSlcyTHdVc0NSY2RWbUR0d0U4Q0VkdWNIUXRnNVQzVjl1NkltQWludkdiMjhWeXhTVVlsTTFMWWllbU80THFt' \
     --header 'content-type: application/json' \
     --data '
{
  "payin": "pay_ctrt9l1jbc4tc23vsmdg",
  "amount":1000,
  "currency": "PHP",
  "reason": "Customer Return",
  "webhook_url": "https://webhook.site/ref8y92937922"
}
'

For full refund, specifying the amount and currency is not required to initiate a refund.