@type t() :: %ClearBank.Schemas.DirectDebitInstruction{
  account_id: String.t(),
  created_at: String.t() | nil,
  id: String.t(),
  payer_account_number: String.t(),
  payer_name: String.t(),
  payer_sort_code: String.t(),
  reference: String.t(),
  service_user_number: String.t(),
  status: String.t() | nil
}