# Received debits Authorize and manage third-party-initiated debits. You can authorize third parties to debit funds from a financial account. Any transaction initiated after this authorization generates a [ReceivedDebit](https://docs.stripe.com/api/v2/money-management/received-debits/object.md?api-version=preview) object on the financial account, detailing how funds were sent and from what account, where possible. Stripe supports the following types of externally-initiated debits: | Debit type | Description | | --- | --- | | Card spending | Spending money on a card through [Stripe Issuing](https://docs.stripe.com/issuing/purchases/transactions.md#transactions) | | ACH debit1 | Pulling money from a financial account into an external account using ACH debits | | Direct debit 2 | Pulling money from a financial account into an external account using direct debits | | Top-up | Pulling money from a platform’s financial account into that platform’s Stripe payments balance using [top-ups](https://docs.stripe.com/treasury/connect/moving-money/fund-a-financial-account.md#transfer-to-other-balance). | 1 Available in the US only. [Request access](https://docs.stripe.com/treasury/connect/prebuilt-embedded-finance.md) 2 Available in the UK only. [Contact support to request access](https://support.stripe.com/contact) ## Enable received debits Receiving ACH or Bacs direct debits requires the `money_manager.capabilities.received_debits.bank_accounts` capability. You can request this capability when [creating](https://docs.stripe.com/api/v2/core/accounts/create.md?api-version=preview) or [updating](https://docs.stripe.com/api/v2/core/accounts/update.md?api-version=preview) a connected account, then complete any requirements that Stripe returns. For details, see [money_manager capabilities](https://docs.stripe.com/treasury/connect/account-management/connected-accounts.md#how-capabilities-work). ## Manage mandates Available in: GB When a third party initiates a debit from a financial account for the first time, Stripe creates a [ReceivedDebitMandate](https://docs.stripe.com/api/v2/money-management/received-debit-mandates/object.md?api-version=preview). The mandate authorizes the third party to initiate debits. Stripe also sends the `v2.money_management.received_debit_mandate.created` webhook event. When you make API calls to manage mandates on behalf of a connected account, specify the connected account’s ID in the `Stripe-Account` header. ### Retrieve a mandate You can retrieve the mandate using the ID from the webhook event to review the details of the debit request and validate its legitimacy. ```curl curl https://api.stripe.com/v2/money_management/received_debit_mandates/{{RECEIVED_DEBIT_MANDATE_ID}} \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-07-29.preview" \ -H "Stripe-Account: {{CONNECTEDACCOUNT_ID}}" ``` The response includes information about the initiating party. If you don’t cancel the mandate within one day of its creation, Stripe schedules the associated debit and sends the `v2.money_management.received_debit.scheduled` webhook event. ```json { "id": "rdm_1234", "object": "v2.money_management.received_debit_mandate", "livemode": false, "financial_account": identifier("financialAccountId"), "type": "bank_transfer", "currency": "gbp", "bank_transfer": { "network": "bacs", "account_holder_name" : "Rocket Rides", "reference": "R/1234", "financial_address": "{{FINANCIAL_ADDRESS_ID}}" }, "status": "active", "status_transitions": { "created_at": "2026-04-26T23:12:35.952Z", "activated_at": "2026-04-26T23:12:35.952Z" } } ``` Any subsequent debits from the third party authorized by the mandate automatically generate a `ReceivedDebit` with `scheduled` status. The `settles_at` field indicates when Stripe expects the debit to arrive. Once the debit arrives, it will transition to either `succeeded` or `failed`. ### Cancel a mandate You can cancel a mandate to end debit authorization at any time. Canceling while an upcoming debit is still `scheduled` prevents that debit from completing and also prevents any future debits from the third party without a new mandate authorization. > #### Individual debits > > You can’t cancel or decline a scheduled received debit without canceling the mandate. ```curl curl -X POST https://api.stripe.com/v2/money_management/received_debit_mandates/{{RECEIVED_DEBIT_MANDATE_ID}}/cancel \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-07-29.preview" \ -H "Stripe-Account: {{CONNECTEDACCOUNT_ID}}" ``` The response confirms the mandate is `pending_cancellation`. After the cancellation completes, Stripe sends the `v2.money_management.received_debit_mandate.canceled` webhook event signaling the transition to `canceled`. ### List mandates You can retrieve the set of mandates in place for a connected account. Use inline parameters, such as `statuses=active`, to filter the results. ```curl curl https://api.stripe.com/v2/money_management/received_debit_mandates \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-07-29.preview" \ -H "Stripe-Account: {{CONNECTEDACCOUNT_ID}}" ``` The result includes information about each mandate’s originator and when they created it, its status and type, and the financial account it applies to. ```json { "data": [ { "id": "rdm_test_61UxLhI8gPhKNsOwu16Ux87t0BE9ZVFsBHMMih6wSNPM", "object": "v2.money_management.received_debit_mandate", "bank_transfer": { "account_holder_name": "Test Originator", "financial_address": "{{FINANCIAL_ADDRESS_ID}}", "network": "bacs", "reference": "R/1234" }, "created": "2026-06-30T09:14:00.475Z", "currency": "gbp", "financial_account": identifier("financialAccountId"), "status": "active", "status_details": null, "status_transitions": { "activated_at": "2026-06-30T09:14:00.475Z", "canceled_at": null, "created_at": "2026-06-30T09:14:00.475Z", "expired_at": null, "pending_cancellation_at": null }, "type": "bank_transfer", "livemode": false } ] } ``` ## Monitor received debits Available in: GB, US After you authorize a third party’s mandate to directly debit a financial account, you can review received debits as they occur and dispute them if necessary. Listen for [events](https://docs.stripe.com/treasury/connect/moving-money/received-debits.md#webhooks) related to received debit activity and handle them accordingly. ### Retrieve a received debit [Retrieve a received debit](https://docs.stripe.com/api/v2/money-management/received-debits/retrieve.md?api-version=preview) by its ID to review details such as the `amount`, `status`, and `type` of transfer. ```curl curl https://api.stripe.com/v2/money_management/received_debits/{{RECEIVED_DEBIT_ID}} \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" ``` ```json { "id": "rd_123", "object": "v2.money_management.received_debit", "amount": { "value": 5000, "currency": "usd" }, "bank_transfer": { "financial_address": "{{FINANCIAL_ADDRESS_ID}}", "payment_method_type": "us_bank_account", "statement_descriptor": "Some statement descriptor", "us_bank_account": { "bank_name": "US BANK NAME", "network": "ach", "routing_number": "110000000" } }, "created": "2026-05-28T08:21:19.751Z", "description": "Some description", "dispute_details": { "debit_dispute": null, "dispute_window_closes_at": "2026-05-30T01:45:00.000Z" }, "financial_account": identifier("financialAccountId"), "receipt_url": "https://payments.stripe.com/transaction_receipt/session_123", "status": "succeeded", "status_details": null, "status_transitions": { "canceled_at": null, "failed_at": null, "succeeded_at": "2026-05-28T08:21:19.751Z" }, "type": "bank_transfer", "livemode": false } ``` ### List received debits [List received debits](https://docs.stripe.com/api/v2/money-management/received-debits/list.md?api-version=preview) to review debit transactions for a financial account. Use parameters in the request to limit responses or filter results by created date. UK users can also filter by a specific `received_debit_mandate`. ```curl curl https://api.stripe.com/v2/money_management/received_debits \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" ``` ## Dispute a received debit > The Debit Disputes API doesn’t support disputing a Bacs GBP direct debit. You must [contact support](https://support.stripe.com/contact) to initiate these disputes. You can dispute a `ReceivedDebit` within the dispute window specified in `dispute_details.dispute_window_closes_at`. Create a [DebitDispute](https://docs.stripe.com/api/v2/money-management/debit-disputes/object.md?api-version=preview) to initiate the dispute process. ```curl curl -X POST https://api.stripe.com/v2/money_management/debit_disputes \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "received_debit": "{{RECEIVED_DEBIT_ID}}", "bank_transfer": { "reason": "unauthorized" } }' ``` ### Retrieve a debit dispute [Retrieve a debit dispute](https://docs.stripe.com/api/v2/money-management/debit-disputes/retrieve.md?api-version=preview) by its ID to check its status. ```curl curl https://api.stripe.com/v2/money_management/debit_disputes/{{DEBIT_DISPUTE_ID}} \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" ``` ### List debit disputes [List debit disputes](https://docs.stripe.com/api/v2/money-management/debit-disputes/list.md?api-version=preview) to review all disputes for a financial account. Use parameters in the request to limit responses or filter results by `status` or `financial_account`. ```curl curl https://api.stripe.com/v2/money_management/debit_disputes \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" ``` ## Test received debits `ReceivedDebit` objects represent real direct debits initiated by a third party against a financial address. Because third parties initiate them, you can’t create them through the API in live mode. Use the [debit test helper](https://docs.stripe.com/api/v2/money-management/financial-addresses/debit.md?api-version=preview) to simulate a `ReceivedDebit` in a sandbox so you can verify that your integration handles incoming debits correctly. You can trigger a failed debit by making sure the financial account has an insufficient balance for the test payment. If you simulate a Bacs GBP debit, the helper also creates a `ReceivedDebitMandate`. The simulated debit remains `scheduled` for approximately five minutes before transitioning to `succeeded`. While it’s `scheduled`, its `settles_at` field indicates the expected settlement time. ```curl curl -X POST https://api.stripe.com/v2/money_management/test_helpers/financial_addresses/{{FINANCIAL_ADDRESS_ID}}/debit \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "amount": { "value": 1000, "currency": "usd" }, "statement_descriptor": "my descriptor", "network": "ach" }' ``` A successful response confirms the simulation was accepted: ```json { "object": "v2.money_management.financial_address_debit_simulation", "status": "accepted", "livemode": false } ``` ## Webhooks Listen for the following `v2.money_management` events to track and handle status changes related to received debits and associated disputes. | Event | Description | | --- | --- | | `received_debit_mandate.created` | A third party initiated a first debit and triggered creation of a mandate. | | `received_debit_mandate.canceled` | A received debit mandate is canceled, preventing further debits authorized by that mandate. | | `received_debit.scheduled` | A received debit is scheduled, but hasn’t debited the financial account yet. | | `received_debit.pending` | A received debit related to Issuing card spend is pending, but hasn’t debited the financial account yet. | | `received_debit.succeeded` | A received debit succeeds. | | `received_debit.returned` | A received debit is returned after it succeeds. | | `received_debit.failed` | A received debit fails. | | `received_debit.canceled` | A received debit related to Issuing card spend is canceled. | | `received_debit.updated` | A received debit is updated. | | `debit_dispute.submitted` | A debit dispute is submitted. | | `debit_dispute.succeeded` | A debit dispute succeeds. | | `debit_dispute.failed` | A debit dispute fails. |