Here, we will introduce you to the concept of Authorised Payment on the Bud platform. When we talk about an Authorised Payment at Bud, we are referring to direct debits, standing orders and scheduled payments.

Authorised payment types

Direct debits give a company permission to take money from your bank account on dates agreed with you. For example, you might use a Direct Debit to pay your gas and electricity bills.

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Supported types

Note that currently only direct debits are supported, but the endpoint will be expanded in the future to include scheduled payments and standing orders.

A scheduled payment is a recurring or one-off payment from your account where you specify how much and when to send the money.

Standing orders give the bank an instruction to pay an exact amount to an account regularly. Standing orders are recurring scheduled payments, for the same amount, with a frequency you choose. For example, you might set up a standing order to pay your rent.

Connect your account

Create an account connection by following the guide here. If you have the feature enabled and the provider supports authorised payments, the account connection will also retrieve a list of an account's authorised payments.

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Try it out

Currently, this feature is not enabled by default. Raise a support ticket here to enable it.

Retrieve authorised payments

The api reference is located here.

Below is an example JSON representation of an Authorised Payment from the Natwest Sandbox. We will use this example to talk through the attributes.

{
	"operation_id": "financial_v2_authorised_payments_get",
	"data": [
		{
			"type": "direct_debit",
			"account_id": "22289",
			"id": "DD03",
			"reference": "Streaming subscription",
			"status": "active",
			"name": "TV streaming subscription",
			"frequency": "monthly",
			"details": [
				{
					"credit_debit_indicator": "debit",
					"amount": {
						"value": "3.45",
						"currency": "GBP"
					},
					"date": "2017-04-05T10:43:07+00:00",
					"type": "previous_payment"
				}
			]
		}
	],
	"metadata": {
		"results": 1
	}
}

By default, the endpoint returns up to 100 payments, if the next page token is present in the response it means there is more than one page and over 100 payments.

account_id refers to the customer's Account.

id is a unique id associated with the authorised payment.

details currently contains information about the previous payment for the direct debit. In the future the authorised payment will be linked with the transactions and using the unique id it will be possible to retrieve all the transactions for an authorised payment.

Supported Providers

Please note, not all providers currently support authorised payments. In the table below you can find a list of providers that do support authorised payments.

If you have any questions, please contact us via the chatbot (bottom-right of screen 👉) or via a support request or check our FAQs.