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

# Payments

Payments are issued against a mandate. Use the following snippet to issue a payment.

```bash theme={null}
curl -X POST https://api.debitdirect.io/payments \
    -H 'Content-Type: application/json' \
    -H 'Authorization: Basic XXXXXXXXXXXX' \
    -d '{
            "Mandate" : "md_xxxxxxxxxxxxxxxx"
            , "Currency" : "DKK"
            , "Amount" : 124500
            , "Description" : "Invoice INV48388"
            , "Reference" : "INV48388"
            , "PaymentDate" : "2022-03-03T00:00:00.0Z"
            , "Scheme" : "nets-bs"
        }'
```

# Timelines

You can issue any payment or credit for Betalingservice up to the day before the monthly deadline. If you issue a payment after the monthly deadline, the payment will be handled in the next coming payment window.

See the tables below for deadlines, Mastercard processing dates and payout months. Official deadlines are published here: [ Betalingsservice deadlines](https://www.betalingsservice.dk/betalingsservice/hjaelp/kalendere-tidsfrister/#kalender).

<Tabs>
  <Tab title="2026 deadlines">
    | month                 | deadline   | Mastercard processing | payout  |
    | :-------------------- | :--------- | :-------------------- | :------ |
    | january               | 22-01-2026 | 23-01-2026            | 02-2026 |
    | february              | 19-02-2026 | 20-02-2026            | 03-2026 |
    | march                 | 23-03-2026 | 24-03-2026            | 04-2026 |
    | april                 | 22-04-2026 | 23-04-2026            | 05-2026 |
    | may                   | 20-05-2026 | 21-05-2026            | 06-2026 |
    | june                  | 22-06-2026 | 23-06-2026            | 07-2026 |
    | july                  | 23-07-2026 | 24-07-2026            | 08-2026 |
    | august                | 21-08-2026 | 24-08-2026            | 09-2026 |
    | september             | 22-09-2026 | 23-09-2026            | 10-2026 |
    | october               | 22-10-2026 | 23-10-2026            | 11-2026 |
    | november              | 20-11-2026 | 23-11-2026            | 12-2026 |
    | december              | 18-12-2026 | 21-12-2026            | 01-2027 |
    | *(dd-mm-yyyy) format* |            |                       |         |
  </Tab>

  <Tab title="2025 deadlines">
    | month                 | deadline   | Mastercard processing | payout  |
    | :-------------------- | :--------- | :-------------------- | :------ |
    | january               | 23-01-2025 | 24-01-2025            | 02-2025 |
    | february              | 21-02-2025 | 22-02-2025            | 03-2025 |
    | march                 | 19-03-2025 | 20-03-2025            | 04-2025 |
    | april                 | 22-04-2025 | 23-04-2025            | 05-2025 |
    | may                   | 23-05-2025 | 24-05-2025            | 06-2025 |
    | june                  | 20-06-2025 | 21-06-2025            | 07-2025 |
    | july                  | 23-07-2025 | 24-07-2025            | 08-2025 |
    | august                | 21-08-2025 | 22-08-2025            | 09-2025 |
    | september             | 22-09-2025 | 23-09-2025            | 10-2025 |
    | october               | 23-10-2025 | 24-10-2025            | 11-2025 |
    | november              | 20-11-2025 | 21-11-2025            | 12-2025 |
    | december              | 17-12-2025 | 18-12-2025            | 01-2026 |
    | *(dd-mm-yyyy) format* |            |                       |         |
  </Tab>

  <Tab title="2024 deadlines">
    | month                 | deadline   | Mastercard processing | payout  |
    | :-------------------- | :--------- | :-------------------- | :------ |
    | january               | 23-01-2024 | 24-01-2024            | 02-2024 |
    | february              | 21-02-2024 | 22-02-2024            | 03-2024 |
    | march                 | 19-03-2024 | 20-03-2024            | 04-2024 |
    | april                 | 22-04-2024 | 23-04-2024            | 05-2024 |
    | may                   | 23-05-2024 | 24-05-2024            | 06-2024 |
    | june                  | 20-06-2024 | 21-06-2024            | 07-2024 |
    | july                  | 23-07-2024 | 24-07-2024            | 08-2024 |
    | august                | 22-08-2024 | 23-08-2024            | 09-2024 |
    | september             | 22-09-2024 | 23-09-2024            | 10-2024 |
    | october               | 23-10-2024 | 24-10-2024            | 11-2024 |
    | november              | 21-11-2024 | 22-11-2024            | 12-2024 |
    | december              | 17-12-2024 | 18-12-2024            | 01-2025 |
    | *(dd-mm-yyyy) format* |            |                       |         |
  </Tab>
</Tabs>

# Stages

Payments change stage as they are processed in Debitdirect.

<Steps>
  <Step title="Pending schedule">
    When created a payment status is marked **pending** (value = 0)
  </Step>

  <Step title="Scheduled for processing">
    When the payment is scheduled for scheme processing, status is marked **scheduled** (value = 16).
  </Step>

  <Step title="Completed succesfully">
    If a payment is processed succesfully, the payment is marked **settled** (value = 8).
  </Step>

  <Step title="Completed with fault">
    If a payment is not processed succesfully, the payment is marked **rejected** (value = 64).
  </Step>
</Steps>

Some schemes allow the end-user to dispute the payment. In this case, Mastercard Payment Services may issue a charge back. In this case, the payment status is
set to **chargeback** (value = 256) and a webhoook is sent.

# Testing

When issuing payments against a test mandate, the payment is marked a test payment and will not be sent to the scheme.