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

# Directdebit Php

A payment method where a merchant or service provider, with the customer's prior authorization, directly debits funds from the customer's bank account on a recurring or scheduled basis.

# How It Works

* **Authorization:** The customer fills out and signs a direct debit mandate (also known as a Direct Debit Instruction or DDI), granting permission to the merchant to debit their bank account. This can be done through paper forms or increasingly through online or mobile banking platforms.
* **Bank Setup:** The merchant submits the mandate to their bank or a third-party payment processor. The customer's bank then acknowledges this instruction.
* **Payment Initiation:** On the agreed-upon date(s), the merchant (or their payment processor) initiates a debit request to the customer's bank for the specified amount.
* **Fund Transfer:** The customer's bank automatically transfers the funds from their account to the merchant's account.
* **Notification:** The customer may receive notifications from their bank or the merchant about upcoming or processed direct debit payments.
* **Key Features:**
  * **Automated Recurring Payments:** Ideal for regular bills like utilities, loan installments, subscriptions, and insurance premiums.
  * **Convenience for Customers:** Eliminates the need for manual bill payments and reduces the risk of missed payments.
  * **Efficiency for Merchants:** Ensures timely payments and can improve cash flow by automating the collection process.
  * **Potentially Lower Transaction Fees:** Compared to some other payment methods, direct debit can have lower processing fees for merchants.
  * **Security:** Transactions are processed through established banking networks, offering a secure method for recurring payments. The Direct Debit Guarantee (where applicable, though specifics in the Philippines may vary) can offer protection to customers in case of erroneous debits.

# Payment Method type

Users can use the below payment method type to create a transaction using Direct Debit in the available geography

* Philippines: `directdebit_php`

# Functionality

| Functionality               | Yes/No | Description                                                                                                    |
| --------------------------- | ------ | -------------------------------------------------------------------------------------------------------------- |
| **Refund Support**          |        |                                                                                                                |
| Full Refund                 | ❌      |                                                                                                                |
| Partial Refund              | ❌      |                                                                                                                |
| **Generally Available**     | ✅      | Means that the payment method is available by default and does not need any additional configuration/approval. |
| **Dispute and Chargebacks** | ❌      |                                                                                                                |

# Limits and Expiration

The following is the upper and lower limits for ShopeePay transactions:

* **Minimum Limit**: USD 0.01
* **Maximum Limit**: USD 860

The default expiration for a transaction is **30 minutes.**

# User Experience

Redirect Experience

For more details, please click [here](https://tazapay.com/country-list/philippines).