# Direct Debit

### End-to-end flow

Use these diagrams to understand the Direct Debit lifecycle.

### Binding

{% @mermaid/diagram content="sequenceDiagram
participant merchant as Merchant
participant finnet as Finpay
participant bank as Bank
participant user as Customer

merchant->>finnet: Req binding
finnet-->>merchant: Res binding
merchant->>user: Redirect to finpay binding page
user->>finnet: Entry card data
finnet->>bank: Req binding
bank->>user: Send OTP
bank-->>finnet: Res binding
finnet->>user: Show OTP page
user-->>finnet: Entry OTP
finnet->>bank: Req OTP verification
bank-->>finnet: Res OTP verification
finnet->>user: Show result page
finnet->>merchant: Send notification
merchant-->>finnet: Res notification" %}

***

### Transaction with OTP

{% @mermaid/diagram content="sequenceDiagram
participant merchant as Merchant
participant finnet as Finpay
participant bank as Bank
participant user as Customer

merchant->> finnet : Req initiate
finnet->>bank: Req initiate
bank->>user: Send OTP
bank-->>finnet: Res initiate
finnet-->>merchant : Res initiate
merchant->>user: Show merchant's otp page
user->>merchant: Entry otp
merchant->> finnet : Req otp verification
finnet->>bank: Req otp verification
bank-->>finnet: Res otp verification
finnet-->>merchant : Res otp verification
merchant->>user: Show result page
bank->>finnet: Send notification
finnet->>merchant: Send notification
merchant-->>finnet: Res notification" %}

***

### Unbinding

{% @mermaid/diagram content="sequenceDiagram
participant merchant as Merchant
participant finnet as Finpay
participant bank as Bank

merchant->> finnet : Req unbinding
finnet->>bank: Req unbinding
bank-->>finnet: Res unbinding
finnet-->>merchant : Res unbinding" %}

***

### Direct Debit Services

<table><thead><tr><th width="102">Source of Fund</th><th width="100">Binding</th><th width="116">Unbinding</th><th width="112">Purchase</th><th width="111">Purchase with OTP</th><th width="124">Purchase OTP Verification</th><th width="81">Limit</th><th width="111">Request OTP Limit</th></tr></thead><tbody><tr><td>BRI</td><td><i class="fa-check">:check:</i></td><td><i class="fa-check">:check:</i></td><td></td><td><i class="fa-check">:check:</i></td><td><i class="fa-check">:check:</i></td><td></td><td></td></tr><tr><td>Mandiri</td><td><i class="fa-check">:check:</i></td><td><i class="fa-check">:check:</i></td><td><i class="fa-check">:check:</i></td><td><i class="fa-check">:check:</i></td><td><i class="fa-check">:check:</i></td><td><i class="fa-check">:check:</i></td><td><i class="fa-check">:check:</i></td></tr></tbody></table>


---

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