BRIAPI AutoDebit vs GoCardless Bank Account Data

BRIAPI AutoDebit is BRI’s API for collecting recurring payments from customer accounts into a company account. It supports agreed schedules for monthly bills, installments, and other periodic payments that do not require a new manual instruction each time. Companies can register customer accounts, update account details, and deactivate accounts to stop regular debits. Callbacks report debit timing and amount, including variable amounts, and update debit status on the partner side. Use requires the company to be a BRI partner, registration of customer accounts, and customer authorization for BRI to access those accounts and initiate debits. BRI advises companies to prioritize customer data security and privacy. BRIAPI connects third-party applications with BRI services, and eligible users include startups, private and public companies, schools, hospitals, and municipal waterworks. Registered users can receive a testing API key and use a sandbox with example data. Detailed technical documentation is available from BRI’s API team. AutoDebit pricing is on request; BRI says general service fees start at Rp 0 per hit and may be adjusted by agreement.

GoCardless Bank Account Data is an API for businesses that need account details and transaction data from connected bank accounts. It connects through bank PSD2 APIs and can return account holder names, account identifiers, IBANs, transaction dates, counterparties, descriptions and amounts, plus current and available balances. It can retrieve up to 24 months of transaction history, with continuous access lasting up to 90 days. Data refreshes on demand, and responses use JSON. To connect, an end user chooses a supported financial institution, accepts a GoCardless-hosted consent screen and authenticates through the institution. API requests use an authorization token created with a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Availability is limited to EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may restrict requests to as few as four calls per account per day. Account verification is available only to paying customers; new accounts are unverified by default. The service is paid, with pricing on request, and is available via API and web.