What is eDDA(Electronic Direct Debit Authorization) in Hong Kong?

eDDA is a value-added service in the FPS (Fast Payment System) to support the setting-up of an authorisation to debit the payer's account by direct debit payments initiated by the payee participant through the FPS.

This function enables customers to link their accounts for e-commerce or SVF top-ups when making a real-time direct debit transfer.

The FPS Supports two types of eDDA established by the payer (i.e. Standard mode) and by the payee (i.e. Simplified mode)

• Under a Standard eDDA mode, the payer sets up a DDA by inserting information such as a bank account number and payment limit via internet banking, mobile banking or e-wallet.
• Under a Simplified eDDA mode, the request is initiated by the payee after obtaining the payer's consent and relevant personal information.

The eDDA in Simplified mode enables a streamlined set-up process to be initiated by the payee's mobile application(app), whether it is for on-line shopping, bill payment or an SVF (Stored Value Facility) top-up.

The following diagram illustrates a typical eDDA process flow:

References

• Implementation of a Faster payment System in Hong Kong
• Authentication and Fraud Prevention Controls for Simplified Electronic Direct Debit Authorization
• 长桥eDDA 授权及入金指引