# Direct Debits (/data-api/api-reference/direct-debits)

Get direct debit information from the Fiskil API.



The Direct Debits endpoint provides information about direct debit arrangements on an end user's accounts.

Endpoints [#endpoints]

| Method | Endpoint            | Description                       |
| ------ | ------------------- | --------------------------------- |
| `GET`  | `/v1/direct-debits` | Get direct debits for an end user |

The Direct Debit Model [#the-direct-debit-model]

| Attribute           | Type   | Description                              |
| ------------------- | ------ | ---------------------------------------- |
| `id`                | string | Unique identifier for the direct debit   |
| `account_id`        | string | ID of the account the direct debit is on |
| `authorised_entity` | string | Name of the entity authorized to debit   |
| `last_debit_date`   | string | Date of the last debit                   |
| `last_debit_amount` | number | Amount of the last debit                 |

Example Response [#example-response]

```json
{
  "id": "dd_123",
  "account_id": "acc_123456789",
  "authorised_entity": "Netflix Australia",
  "last_debit_date": "2023-01-15",
  "last_debit_amount": 22.99
}
```

Get Direct Debits [#get-direct-debits]

Retrieve direct debit information for an end user.

```
GET https://api.fiskil.com/v1/direct-debits
```

Query Parameters [#query-parameters]

| Parameter     | Type   | Required | Description                   |
| ------------- | ------ | -------- | ----------------------------- |
| `end_user_id` | string | Yes      | The ID of the end user        |
| `account_id`  | string | No       | Filter by specific account ID |

Example Request [#example-request]

<Tabs items={['cURL', 'Node.js', 'Python']}>
  <Tab value="cURL">
    ```bash
    curl --request GET \
      --url 'https://api.fiskil.com/v1/direct-debits?end_user_id=482c0e2b-5866-46b1-b795-220b7bba45b5' \
      --header 'Authorization: Bearer {access_token}' \
      --header 'accept: application/json; charset=UTF-8'
    ```
  </Tab>

  <Tab value="Node.js">
    ```javascript
    const response = await fetch(
      'https://api.fiskil.com/v1/direct-debits?end_user_id=482c0e2b-5866-46b1-b795-220b7bba45b5',
      {
        method: 'GET',
        headers: {
          'Authorization': 'Bearer {access_token}',
          'accept': 'application/json; charset=UTF-8'
        }
      }
    );

    const directDebits = await response.json();
    ```
  </Tab>

  <Tab value="Python">
    ```python
    import requests

    response = requests.get(
        'https://api.fiskil.com/v1/direct-debits',
        params={'end_user_id': '482c0e2b-5866-46b1-b795-220b7bba45b5'},
        headers={
            'Authorization': 'Bearer {access_token}',
            'accept': 'application/json; charset=UTF-8'
        }
    )

    direct_debits = response.json()
    ```
  </Tab>
</Tabs>

Example Response [#example-response-1]

```json
{
  "data": [
    {
      "id": "dd_123",
      "account_id": "acc_123456789",
      "authorised_entity": "Netflix Australia",
      "last_debit_date": "2023-01-15",
      "last_debit_amount": 22.99
    },
    {
      "id": "dd_456",
      "account_id": "acc_123456789",
      "authorised_entity": "Spotify",
      "last_debit_date": "2023-01-10",
      "last_debit_amount": 11.99
    }
  ]
}
```

Use Cases [#use-cases]

* **Subscription Detection**: Identify recurring subscriptions for budgeting apps
* **Bill Management**: Help users track and manage their regular payments
* **Affordability Assessment**: Understand recurring financial commitments

Related Endpoints [#related-endpoints]

* [Accounts](/data-api/api-reference/accounts) - Get account details
* [Transactions](/data-api/api-reference/getBankingTransactions) - See the actual debit transactions
* [Scheduled Payments](/data-api/api-reference/scheduled-payments) - Get scheduled payments