# Instant Payment A direct debit is a financial transaction in which organisation (or system) that calls for the funds ("the payee") instructs their bank to collect an amount directly from another's ("the payer's") bank account designated by the payer and pay those funds into a bank account designated by the payee. Before bank account will allow the transaction to take place, the payer must have advised the bank that they have authorized the payee to directly draw the funds. After the authorities are set up, the direct debit transactions are usually processed electronically. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.finpay.id/api-reference/finpay-pg/copy-of-core-api/instant-payment.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.