SEPA direct debit

RESTful payment API

In order to perform a SEPA (Single Euro Payments Area) direct debit via the RESTful payment API you need to use the requestType = 'SepaSaleTransaction' in combination with paymentMethod = 'sepa'. For a credit use requestType = 'SepaCreditTransaction' in combination with paymentMethod = 'sepa'.

Under the sepa object the following fields are expected:

Field nameTypeDescription
ibanMandatorySend the IBAN (International Bank Account Number)of the cardholder
nameMandatoryName of the cardholder
emailOptionalMail address of the cardholder
mandate.referenceMandatory 'SepaSaleTransaction'Number of the SEPA mandate
mandate.signatureDateMandatory 'SepaSaleTransaction'Date when the cardholder has provided the approval for the direct debit
mandate.typeMandatory 'SepaSaleTransaction'Type of the mandate.
mandate.urlOptionalValid URL pointing to the SEPA mandate

For more details please refer to the API reference.

Example for 'SepaSaleTransaction'

          "name":"Max Mustermann",
    "type": "transactionResponse",
    "clientRequestId": "xxxba39-f99b-43a2-xxxx-e56xxxb5ec2b",
    "apiTraceId": "Zk8@xxxKDTEnxxxzublAAAAn4",
    "ipgTransactionId": "8300000006305",
    "orderId": "31234455",
    "transactionType": "SALE",
    "paymentToken": {
        "reusable": true,
        "declineDuplicates": false,
        "type": "PAYMENT_CARD"
    "transactionOrigin": "ECOM",
    "paymentMethodDetails": {
        "paymentCard": {
            "number": "DE1234...2345",
            "bic": "BYLXXXM1001"
        "paymentMethodType": "DEBITDE",
        "paymentMethodBrand": "DEBITDE"
    "terminalId": "99998877",
    "merchantId": "77889966",
    "transactionTime": 1716469469,
    "approvedAmount": {
        "total": 2.50,
        "currency": "EUR",
        "components": {
            "subtotal": 2.50
    "transactionAmount": {
        "total": 2.50,
        "currency": "EUR",
        "components": {
            "subtotal": 2.50
    "transactionStatus": "APPROVED",
    "approvalCode": "Y:000000:9896846305:PPXM:0603158503",
    "processor": {
        "referenceNumber": "000000",
        "authorizationCode": "000000",
        "responseCode": "00",
        "responseMessage": "Function performed error-free"


See chapter '5.12 SEPA Direct Debit - Germany' & '5.13 SEPA Direct Debit with Fiserv Local Payments' of SOAP API Integration Guide

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See SEPA Direct Debit as part of the Local Payments offering

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