# Direct Debit Setup
source: https://developer.mastercard.com/open-finance-europe/documentation/licensed/use-cases/direct-debit-setup/index.md

Direct Debit Setup for new user into your business can involve multiple checks which need to be performed. You may also need to verify that the account has balance to process your direct debits. Using AIS data alongside onboarding data has the potential to automate these checks, whilst also bringing richer data, which has the potential to improve the overall onboarding experience for the TPPs and their customers.

We can help you to verify account owner name before you onboard them using our [Account Owner Verification](https://developer.mastercard.com/open-finance-europe/documentation/licensed/insights/account-owner/index.md) product to find out if the name they provide matches the name on their bank account and verify that they have a bank account in process. You can also verify that the account has enough balance using our [Balance Check](https://developer.mastercard.com/open-finance-europe/documentation/licensed/insights/balance/index.md) product where you can get the amount available in the user account.

Our solution simplifies the direct debit mandate set up by verifying the account details of a consumer registering for your service, for example, when billing a consumer for a monthly mobile subscription. Account Owner Verification can help to automate the process through pre-population of bank account information and prevent manual errors when a consumer enters their bank account information.

### How it works {#how-it-works}

![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/AoV/licensed/AoV_1.png) The customer selects "Connect bank accounts now". ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/AoV/licensed/AoV_2.png) The customer selects their bank. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/AoV/licensed/AoV_3.png) Information is displayed to confirm how the customers data will be used. The customer click "Continue". ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/AoV/licensed/AoV_4.png) The customer selects the bank to use. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/AoV/licensed/AoV_5.png) The customer authenticates themselves using the bank's existing authentication method. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/AoV/licensed/AoV_6.png) Available accounts are displayed, and the customer selects the preferred account and confirms authorization. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/AoV/licensed/AoV_8.png) The customer is automatically redirected back to the app where confirmation of the linked account is displayed.

1. Collect Account Owner name that you want to verify in your app.
2. Using our APIs, submit a request to create an Account Owner Verification and Balance Check job.
3. Collect the jobId (to check the job results later).
4. Redirect the user to the Connect URL for them to select their bank and login.
5. User goes through the Account Owner Verification and Balance Check flow.
6. User authenticates to their Account Servicing Payment Service Providers (ASPSP) and allow access to their details.
7. Once the user has completed the process and returned back to your app, you can check the job status.
8. You will get the score indicating if the supplied name matched the name on the account along with the account information and balance.

Diagram insights-direct-debit-setup

### Next steps {#next-steps}

* Learn more about our [Account Owner Verification](https://developer.mastercard.com/open-finance-europe/documentation/licensed/insights/account-owner/index.md) product and how you can use it.
* Learn more about our [Balance Check](https://developer.mastercard.com/open-finance-europe/documentation/licensed/insights/balance/index.md) product and how you can use it.
* Refer to the [Quick Start guide](https://developer.mastercard.com/open-finance-europe/documentation/licensed/insights/quickstart/index.md) for the API integration steps.
* Refer to the [API References](https://developer.mastercard.com/open-finance-europe/documentation/licensed/insights/api-references/index.md) to learn more about the API.