Webhook - Direct Debit Collections Indemnity Claim (DDIC)

A webhook notification raised whenever a Direct Debit Indemnity Claim (DDIC) has been received or changes status. This webhook enables Partners and Customers to receive real-time notifications when a new DDIC advice is received from Bacs, when a claim is cancelled following a successful challenge, or when a claim settles against a Collateral account.

This webhook is subscribed to at Customer level and fires for each status transition on an Indemnity Claim.

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This webhook is part of the DDIC Report Automation project. It replaces manual email notifications that were previously sent by Payment Operations. Partners who wish to receive real-time claim notifications must explicitly subscribe to this webhook.

When Does This raised?

The webhook notification will be raised on each of the following status transitions:

Status	Circumstances
NEW	A new DDIC advice has been received from Bacs and processed by Direct Debit Service. A new Indemnity Claim record has been created.
CANCELLED	A cancellation advice has been received from Bacs. The DDIC was successfully challenged and the existing Indemnity Claim record has been cancelled.
REJECTED	The DDIC settlement transaction has been processed via STS transactional output. The claim amount has been debited from the Partner's Collateral account.

Webhook Parameters

Parameter	Type	Description
IndemnityClaimId	String	Unique ID for the Indemnity Claim. Prefix: ICC. Use this as the primary identifier for deduplication.
DdicReference	String	DDIC reference received from Bacs. Always prefixed with DDIC. Note: a ddicReference is not unique and may be shared across multiple claims.
Reference	String	Service User Reference of the mandate associated with the claim. A mandate may have more than one claim at a time.
Amount	Decimal	Total amount for the DDIC advice. Expressed as a decimal with up to 2 decimal places (e.g. 20.02).
ReasonCode	String	Reason code indicating why the indemnity claim was raised. Examples: INSTRUCTION_CANCELLED_BY_PAYER, ADVANCE_NOTICE_DISPUTED.
Status	String	Current status of the Indemnity Claim. Possible values: NEW \| CANCELLED \| SETTLED.
TotalDirectDebits	Integer	Total number of direct debit collections included in the DDIC advice.
CustomerId	String	The Customer ID being notified about the status change. Webhook is subscribed at this customer level.
CollectionIds	String[]	Array of Modulr collection IDs that have been matched to the direct debits in this DDIC. May be empty if no match could be found.
ChangeDate	Date	Date of the status change. Format: YYYY-MM-DD.
SchemeId	String	Scheme ID of the DDIC advice in Bacs service. Used for reconciliation with the settlement transaction.
EventName	String	Name of the webhook event
EventId	String	ID of the webhook event
EventDateTime	DateTime	Date and time the event occurred. All timestamps are UTC. Format: ISO 8601 (e.g. 2025-01-03T09:15:00+0000).

Duplication Check

When deduplicating incoming webhook notifications, use indemnityClaimId combined with status. This combination uniquely identifies a specific state transition for a given claim. The same indemnityClaimId will appear with different statuses as the claim progresses through its lifecycle (e.g. NEW → CANCELLED, or NEW → SETTLED).

This is important particularly if a webhook has failed and needs to be resent — ensure you do not process the same state transition twice.

Example Webhook Payloads

{

  "IndemnityClaimId": "ICC3289458",
  "DdicReference": "DDIC-10223264",
  "Reference": "AA3473475",
  "Amount": 20.02,
  "ReasonCode": "INSTRUCTION_CANCELLED_BY_PAYER",
  "Status": "NEW",
  "TotalDirectDebits": 2,
  "CustomerId": "C2100004",
  "CollectionIds": ["K29758748", "K93474575"],
  "ChangeDate": "2025-01-03",
  "SchemeId": "S12345678",
  "EventName": "DD_INDEMNITY_CLAIM_STATUS",
  "EventId": "363f0ba4-a60f-40a9-a644-62fa6552c056",
  "EventDateTime": "2025-01-03T09:15:00+0000"
}

{
  "IndemnityClaimId": "ICC3289458",
  "DdicReference": "DDIC-10223264",
  "Reference": "AA3473475",
  "Amount": 20.02,
  "ReasonCode": "INSTRUCTION_CANCELLED_BY_PAYER",
  "Status": "CANCELLED",
  "TotalDirectDebits": 2,
  "CustomerId": "C2100004",
  "CollectionIds": ["K29758748", "K93474575"],
  "ChangeDate": "2025-01-10",
  "SchemeId": "S12345679",
  "EventName": "DD_INDEMNITY_CLAIM_STATUS",
  "EventId": "363f0ba4-a60f-40a9-a644-62fa6552c056",
  "EventDateTime": "2025-01-10T11:32:00+0000"
}

{
  "IndemnityClaimId": "ICC3289458",
  "DdicReference": "DDIC-10223264",
  "Reference": "AA3473475",
  "Amount": 20.02,
  "ReasonCode": "INSTRUCTION_CANCELLED_BY_PAYER",
  "Status": "SETTLED",
  "TotalDirectDebits": 2,
  "CustomerId": "C2100004",
  "CollectionIds": ["K29758748", "K93474575"],
  "ChangeDate": "2025-01-16",
  "SchemeId": "S12345680",
  "EventName": "DD_INDEMNITY_CLAIM_STATUS",
  "EventId": "363f0ba4-a60f-40a9-a644-62fa6552c056",
  "EventDateTime": "2025-01-16T08:00:00+0000"
}

Retrieveing Claim Details

On receiving a DD_INDEMNITY_CLAIM_STATUS webhook, Partners can use the indemnityClaimId to retrieve the full details of the claim via the API:

Status	Circumstances
GET	/direct-debit-service/indemnity-claims/{indemnityClaimId}
GET	/direct-debit-service/indemnity-claims?accountId={accountId}&status={status}