# Debtor Profiles
source: https://developer.mastercard.com/payment-initiation-api/documentation/use-cases/debtor-profiles/index.md

This use case explains how a Debtor Agent manages Debtor payment profiles in Commercial Direct Payments (CDP).
Tip: You must include both the ICA number and the Debtor registration ID in the request URI. The Mastercard‑assigned ICA number is used for agent identification in all core service requests. A Customer Service Provider may transact on behalf of a customer by including the customer's ICA number in the request. Direct payment agents may continue to transact using their own ICA number when submitting requests to CDP.

## Create a Debtor Payment Profile {#create-a-debtor-payment-profile}

Diagram createbuyerprofile

1. The Debtor Agent submits a request to create a Debtor payment profile.
   API Reference: `POST /debtor-agents/{ica}/debtors/{debtor_id}/payment-profiles`

2. CDP completes the request and returns a 201 Created response.

## Update a Debtor Payment Profile {#update-a-debtor-payment-profile}

A Debtor Agent updates an existing payment profile when a Debtor's billing or payment details change (for example, billing address or payment method).
The following Debtor profile details can be updated using the update Debtor payment profile endpoint.

* Debtor profile email
* Local instruments
* Pay to address
* Payment methods   

These updates will be reflected immediately.  
Diagram updatebuyerprofile

1. The Debtor Agent submits an update request for an existing Debtor payment profile to CDP.
   API Reference: `PUT /debtor-agents/{ica}/debtors/{debtor_id}/payment-profiles/{debtor_profile_id}`

2. CDP returns a 204 Success response.

## Delete a Debtor Payment Profile {#delete-a-debtor-payment-profile}

A Debtor Agent deletes a Debtor payment profile when it is no longer required.

Note: If there is any transaction activity, the Debtor Agent must deactivate the Debtor registration and its associated Debtor payment profile instead of deleting it. Contact the [CTS Commercial Team](mailto:CTS.Commercial@mastercard.com) to deactivate.

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Diagram deletebuyerprofile

1. The Debtor Agent submits a request to delete a Debtor payment profile.
   API Reference: `DELETE /debtor-agents/{ica}/debtors/{debtor_id}/payment-profiles/{debtor_profile_id}`

2. CDP returns a 204 Success response.

Note: The Debtor profile is marked in the INACTIVE state once this endpoint is triggered. The Debtor profile data is deleted after 90 days.