> ## Documentation Index
> Fetch the complete documentation index at: https://docs-openpay.nipuntheekshana.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Direct Debit Overview

> Pre-authorized recurring and on-demand crypto charges

# Direct Debit API

The Direct Debit API enables merchants to establish pre-authorization contracts with customers, allowing recurring or on-demand cryptocurrency charges without requiring user interaction for each payment.

## How It Works

1. **Scenario Discovery** - Retrieve supported scenario codes that define transaction types and limits
2. **Contract Creation** - Generate a pre-authorization contract with QR code and deep link
3. **User Signing** - Customer approves the contract via their payment provider app
4. **Status Verification** - Query the provider to confirm the contract has been signed
5. **Payment Execution** - Charge amounts against the signed contract
6. **Contract Management** - Sync status, execute payments, or terminate as needed

## Contract Lifecycle

```
INITIATED → SIGNED → TERMINATED
    ↓                    ↑
  EXPIRED           (by merchant)
```

## Endpoints

| Method | Path                              | Description                        |
| ------ | --------------------------------- | ---------------------------------- |
| `GET`  | `/v1/direct-debit/scenario-codes` | List available scenario codes      |
| `POST` | `/v1/direct-debit`                | Create a new contract              |
| `GET`  | `/v1/direct-debit/list`           | List contracts with pagination     |
| `GET`  | `/v1/direct-debit/{id}`           | Get contract details               |
| `POST` | `/v1/direct-debit/{id}/sync`      | Sync contract status from provider |
| `POST` | `/v1/direct-debit/{id}/terminate` | Terminate a signed contract        |
| `POST` | `/v1/direct-debit/{id}/payment`   | Execute payment against contract   |

## Key Concepts

### Scenario Codes

Provider-specific pre-authorization types that define maximum transaction limits. Each scenario has a unique ID and is associated with a payment provider (Binance Pay, Bybit Pay, KuCoin Pay).

### Single Upper Limit

The maximum amount that can be charged in a single payment execution against the contract.

### Fee Breakdown

Each executed payment includes a detailed fee breakdown with exchange fees and platform fees, showing gross amount, deductions, and net settlement amount.