Register IBAN

Registers the IBAN of a customer through a pennydrop process. The purpose of the pennydrop is to securely retrieve the customer’s IBAN while minimizing the risk of typographical errors. During the pennydrop flow, a customer performs a payment of 0.01 € (or in Belgium, 0.02 €) as a means of authentication. By performing this micropayment, Riverty receives information about the customer and their bank details, which is used to verify their identity—for example, to confirm that an IBAN really belongs to a specific customer. After completing the payment, the charged amount is refunded. Customers complete this payment through iDEAL (NL) or Bancontact (BE). When the time comes, we will use this verified IBAN to execute direct debit charges.

Path

POST /api/v3/customers/{customerNumber}/direct-debit

Request Parameters

customerNumber

required

string

Account number

Request Body

application/json

iban

string

Max length: 34

Iban number

bic

string

Max length: 11

Bic / Swift Code

countryCode

required

string

Enum:

Country code

conversationLanguage

required

string

Enum:

The language code used for client communication. If not provided, the system will default to the language configured for the client.

mandateReference

string

Mandate Reference

contractAcceptedDate

string

yyyy-MM-ddTHH:mm:ss.fffffffzzz

Contract Accepted Date

object

Responses

outcome
string

Enum:
Accepted
Pending
Rejected
Expired
Revoked

Outcome of direct debit registration request
registrationID

string

RegistrationID

redirectUrl

string

RedirectURL

redirectUrlExpirationTime

string
yyyy-MM-ddTHH:mm:ss.fffffffzzz

ExpirationDate
type

string

Enum:
BusinessError
TechnicalError
NotificationMessage
code

string
Max length: 100

Confirmation or error code

message

string
Max length: 4096

Message content

customerFacingMessage

string
Max length: 4096

Message to display to customer
actionCode

string

Enum:
Unavailable
AskConsumerToConfirm
AskConsumerToReEnterData
OfferSecurePaymentMethods
RequiresSsn
AskConsumerToIdentify
ManualReview

Action codes
fieldReference

string
Max length: 100

Reference to field that caused an error
401 Authorization has been denied for this request.
413 Request body too large.
429 Too many requests.
500 Internal server error.

Successful Request

Request Example

    
        {
 "countryCode": "NL",
 "conversationLanguage": "NL"
}

Response Example

    
        {
 "outcome": "Pending",
 "redirectUrl": "https://bank-account.bnpl.riverty.io/bank-account/3237f09b40b9408dbadbccb8d556e8f2",
 "registrationID": "3237f09b40b9408dbadbccb8d556e8f2",
 "redirectUrlExpirationTime": "2024-05-31T06:49:03Z"
}