Request a Direct Debit (SDD)



In test mode: we won't validate the SDD. Instead, please use the Backoffice (Dashboard) to validate it manually.

How it works



SDD requests are sent to our bank every working day at 10:30am (CET).


You allow your client to fill in a mandate, and pre-register it with Lemonway, by calling Register a SDD Mandate

Follow the SignDocumentInit process in order to electronically sign the mandate

Request the direct debit:

  1. You call MoneyInSddInit to request a direct debit
  2. Lemonway sends the request to the bank every working day at 10:30 am (CET).
  3. Once the request is sent to the bank, the end-user account is debited one work day later. If you indicate a date, the debit will happen on the given date. (See Important note below, if you bank in Italy)
  4. When Lemonway receives the payment, the SDD payment is validated and the Client Wallet will be credited
  5. You can call List of money-in by SDD once a day to know which payments have been validated.


Important: Italian bank mandate process

This rule only applies to the first B2B direct debit request for an Italian IBAN. Subsequently, all future debits take place within the standard 1-2 day time frame. The mandate validation process for Italian banks takes approximately 14 calendar days from the reception of the first SDD request. Even if you initially specify a debit date, the funds will only be debited 14 days after the request date.

Example: If you specify that you would like the first Direct Debit to take place on 4th April 2022 and you submit a request before 10:30am (CET) on the 30th March 2022. The direct debit will take place on 18th April 2022.


<MoneyInSddInit xmlns="Service_mb">

<?xml version="1.0" encoding="utf-8"?>
        <DATE> string </DATE>
        <SEN> string</SEN>


  "TRANS": {
    "HPAY": {
      "ID": "string",
      "MLABEL": "string",
      "DATE": " string ",
      "SEN": " string",
      "REC": "string",
      "DEB": "string",
      "CRED": "string",
      "COM": "string",
      "MSG": "string",
      "STATUS": "string"

Request Input Description

walletID of the payment account to creditYes[0 : 256] char33612345678 or taxi67
amountTotAmount to debit from the client's bank accountYes2 decimals15
amountComAmount of the fees you want to keepNo2 decimals1
commentCommentNo[0 :140] char245
autoCommissionTells if you want us to automatically calculate the correct fee to get from the client.Yes[1] char0: no (default)
If yes: [amountTot] will be debited from the bank account, [payment account] will receive [amounTot- Lemonway's automatic fee], and you will not receive any fee1: yes
sddMandateIdID of the mandateYesinteger356
collectionDateDebit date of the bank account must be later than the default date.Nodd/mm/yyyy21/03/2015
Leave empty in order to use the default date: current date + 1 working days before 10:30 AM or current date + 2 working days after. (See Important note above if you bank in Italy)

Response Output Description

IDID of the transaction677
MLABELNot used
DATEInitialization date18/06/2014 16:11:10
SENNot used
RECPayment account to creditPizza56
DEB0.00 in this case0
CREDAmount to credit (total minus your fee)15
COMYour fee2
STATUSAlways 0: pending0