---
updatedAt: 2026-04-30T10:42:29.000Z
agentTools:
  projectIndex: https://developers.korapay.com/llms.txt
---

# Debit a Customer's Account (Variable Authorizations Only)

Variable authorizations don't have a preset debit timeline, so each debit and amount must be triggered manually via the API. You can call this endpoint as soon as you receive the direct\_debit.auth webhook with status: "success" — there is no waiting period.

**Endpoint**

```
POST /api/v1/direct-debit/authorizations/{authorizationCode}/debits
```

Path Parameters

| PARAMETER         | TYPE   | REQUIRED | DESCRIPTION                                                             |
| :---------------- | :----- | :------- | :---------------------------------------------------------------------- |
| authorizationCode | string | Yes      | The `authorization_code` returned at creation (e.g. KPY-AUTH-7d2f9c0e). |

Request Parameters

| PARAMETER   | TYPE   | REQUIRED | DESCRIPTION                                                                                                                                |
| :---------- | :----- | :------- | :----------------------------------------------------------------------------------------------------------------------------------------- |
| `amount`    | number | Yes      | Amount to debit. Positive, max 2 decimal places. Must respect the merchant's transaction limits and (where set) the authorization ceiling. |
| `narration` | string | Yes      | Free‑text description shown to the customer / on statements.                                                                               |
| `currency`  | string | Yes      | Currently only `NGN` is supported.                                                                                                         |

Sample Request

```shell
{
    "reference: "test-reference
    "amount": 50000,
    "currency": "NGN",
    "narration": "April subscription"
  }
```

Sample Success Response (debit accepted for processing)

```json
{
  "status": true,
  "message": "success",
  "data": {
    "transaction_reference": "KPY-DD-TXN-1c92ff70",
    "authorization_code": "KPY-AUTH-7d2f9c0e",
    "status": "processing",
    "amount": 50000,
    "fee": 50,
    "vat": 3.75,
    "currency": "NGN",
    "nibss_transaction_id": "100008250419103245001",
    "processed_at": "2026-04-19T10:32:45.000Z"
  }
}
```

<br />

You can get the details of Direct Debit Payment by making a GET request to the [Charge Query API](https://docs.korapay.com/#8a602daa-6e83-4118-9ff3-ba8c09ab6f48) endpoint using the reference used to make the debit.

**Endpoint**

```curl
https://api.korapay.com/merchant/api/v1/charges/:reference
```

And here's what the response looks like:

```json
{
    "status": true,
    "message": "Charge retrieved successfully",
    "data": {
        "reference": "KPY-PAY-hna5DqhZDqByCcx",
        "status": "success",
        "amount": "100.00",
        "amount_paid": "100.00",
        "fee": 12.69,
        "currency": "NGN",
        "description": "Direct Debit: test",
        "customer": {
            "name": "vee Test",
            "email": "janedoe@gmail.com"
        }
    }
}
```

<br />

### List of supported banks

| BANKS                       | BANK CODE | STATUS      |
| :-------------------------- | :-------- | :---------- |
| ACCESS BANK PLC             | 044       | ✅ Supported |
| ECO BANK PLC                | 050       | ✅ Supported |
| FIDELITY BANK PLC           | 070       | ✅ Supported |
| FIRST BANK OF NIGERIA       | 011       | ✅ Supported |
| FIRST CITY MONUMENT BANK    | 214       | ✅ Supported |
| GLOBUS BANK LTD             | 103       | ✅ Supported |
| GUARANTY TRUST BANK PLC     | 058       | ✅ Supported |
| JAIZ BANK                   | 301       | ✅ Supported |
| KEYSTONE BANK               | 082       | ✅ Supported |
| KUDA MICROFINANCE BANK      | 50211     | ✅ Supported |
| LOTUS BANK                  | 303       | ✅ Supported |
| NOVA MERCHANT Bank          | 637       | ✅ Supported |
| OPTIMUS BANK LIMITED        | 000036    | ✅ Supported |
| PARALLEX BANK               | 526       | ✅ Supported |
| POLARIS BANK                | 076       | ✅ Supported |
| PREMIUM TRUST BANK LIMITED  | 105       | ✅ Supported |
| PROVIDUS BANK               | 101       | ✅ Supported |
| STANBIC IBTC                | 221       | ✅ Supported |
| STANDARD CHARTERED BANK PLC | 068       | ✅ Supported |
| STERLING BANK PLC           | 232       | ✅ Supported |
| SUN TRUST BANK              | 100       | ✅ Supported |
| TAJBANK LTD                 | 302       | ✅ Supported |
| TITAN TRUST BANK            | 102       | ✅ Supported |
| UNITED BANK FOR AFRICA      | 033       | ✅ Supported |
| UNION BANK OF NIGERIA PLC   | 032       | ✅ Supported |
| UNITY BANK PLC              | 215       | ✅ Supported |
| WEMA BANK                   | 035       | ✅ Supported |
| ZENITH INTERNATIONAL BANK   | 057       | ✅ Supported |

<br />