Bacs Direct Debit Indemnity Claim Event

Bacs Direct Debit Indemnity Claim Advice Webhook event

Trigger: A DDICA file is imported into Nuapay, indicating that a Direct Debit Indemnity Claim Advice has been received from Bacs.

Tip: Webhooks may be updated from time to time and it is important to consider the Versioning and Backward Compatibility guidelines when developing your solution. We recommend that your handler ignores new fields it is not expecting; any new fields that may be added will provide new information, which may be safely ignored.

Webhook Message Details

Tip: This Webhook is only applicable to Bacs clients, processing GBP Direct Debits.

This Webhook notifies you that a payer has sought a refund for a previously-settled Direct Debit payment.

Note that:

The payer’s bank will initially refund the payer in the event of an error in the payment of a Direct Debit by you, the merchant (the Service User in Bacs terminology).
The payer’s bank then use the indemnity claim process to recover the refunded payment from you, the merchant.
An indemnity claim can only be raised for the full amount of the original Direct Debit payment.
This Webhook notifies you that a claim has been initiated.
The value of the Direct Debit is not debited immediately, you have the option to contest the claim, if you feel that you debited the payment in good faith and did not breach any Bacs guidelines in taking the payment.
Bacs allows you a number of business days to contest the claim.
If you are unsuccessful in contesting the claim, the value of the Direct Debit will be automatically debited from your account on Day 14 (this Webhook will be received on Day 1). (Each “Day” is a working day)

For more on the possible refund reasons and the challenges available, see DDIC Reason Codes.

We also recommend that you contact your Account Manager who will be able to assist you with the challenge process.

Webhook Event Message Details

The following table describes the details of the Webhook notification:

Parent	Parameter	Type	Mandatory/Optional	Description
root	eventTimestamp	number	Mandatory	The Unix epoch timestamp
root	eventType	string	Mandatory	IndemnityClaimReceived
root	resourceReference	string	optional	This can be the business reference of the resource, useful when filtering events via the Webhooks area of the Developer Dashboard.
root	resourceReferenceType	string	optional	This can be a business reference of the resource, useful when filtering events via the Webhooks area of the Developer Dashboard.
root	resourceUri	string	Mandatory	This is URI of the resource for RESTful API querying; a Direct Debit URI. You can use this to query the resource with a Retrieve Direct Debit call for example.
root	resourceType	string	Mandatory	This is the type of the resource to which the URI is related. In this case it is a Direct Debit resource.
root	reasonCode	string	optional	The Bacs DDIC Reason Code
root	resourceOwner	string	Mandatory	This is the identifier of the merchant resource to which this notification is linked.
root	resourceRemittanceInformation	string	optional	Remittance information related to the transaction.

JSON Sample

The following is an example of a Direct Debit Indemnity Claim Received event JSON:

Headers:

POST	http://example.com/webhooks
Content-Type:	application/json;charset=UTF-8
x-signature:	123ab01d030dee864fb44cc65a3be52ae591f46cde8d14d3e72fbc3790e4a304
Content-Length:	261
X-Request-Id:	dc645679-71a5-498d-bb29-ec027948c7c1

JSON Request Body

{
    "eventTimestamp": 1501169079000,
    "eventType": "IndemnityClaimReceived",
	"resourceReference": "MAND12345abcdefd",
	"resourceReferenceType": "EndToEndId",
	"resourceUri": "/schemes/p2lqa394mv/mandates/lbyjxj5ebd/directdebits/a2rexnvdmq",
	"resourceType": "DirectDebit",
	"reasonCode": "8",
	"resourceOwner": "tc47ygrg72",
	"resourceRemittanceInformation": null
	}