SEPA Direct Debit
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 name | Type | Description |
|---|---|---|
iban | Mandatory | Send the IBAN (International Bank Account Number)of the cardholder |
name | Mandatory | Name of the cardholder |
email | Optional | Mail address of the cardholder |
mandate.reference | Mandatory for requestType 'SepaSaleTransaction' | Number of the SEPA mandate |
mandate.signatureDate | Mandatory for requestType 'SepaSaleTransaction' | Date when the cardholder has provided the approval for the direct debit |
mandate.type | Mandatory for requestType 'SepaSaleTransaction' | Type of the mandate. Possible values: SINGLE, FIRST_COLLECTION; RECURRING_COLLECTION, FINAL_COLLECTION |
In case you want to initiate recurring SEPA direct debits, then we recommend to include the createToken object into the request for first collection. In the response you will receive a token from our gateway which you can use for recurring and final collection. Otherwise, you will need to save the IBAN from the customer.
For more details please refer to the API reference.
Sale
The following JSON document represent an example of request and response of SepaSaleTransaction including minimal set of elements:
{
"requestType": "SepaSaleTransaction",
"order": {
"orderId": 330655
},
"transactionAmount": {
"total": 2.5,
"currency": "EUR"
},
"paymentMethod": {
"sepa": {
"iban": "DE1234567895678912345",
"name": "Max Mustermann",
"mandate": {
"reference": "REXF199901629623-01",
"signatureDate": "2024-05-08",
"type": "SINGLE"
}
}
},
"transactionOrigin": "ECOM"
}
{
"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"
}
Credit (naked refund)
The following JSON document represent an example of request and response of SepaCreditTransaction including minimal set of elements:
{
"requestType": "SepaCreditTransaction",
"transactionOrigin": "ECOM",
"transactionAmount": {
"total": "12.76",
"currency": "EUR"
},
"paymentMethod": {
"sepa": {
"iban": "DE89370400440532013000",
"name": "Demo Merchant"
}
}
}
{
"type": "transactionResponse",
"clientRequestId": "1ef7e391-a7c3-4044-91fa-6468a7ab45a1",
"apiTraceId": "Zv1HwMcdhTUSRd-8BKB5iQAAA4s",
"ipgTransactionId": "84668712481",
"orderId": "R-599686be-a032-460d-b425-daaf21b1befb",
"transactionType": "CREDIT",
"paymentToken": {
"reusable": true,
"declineDuplicates": false,
"type": "PAYMENT_CARD"
},
"transactionOrigin": "ECOM",
"paymentMethodDetails": {
"paymentCard": {
"number": "DE8937...3000",
"bic": "COBADEFFXXX"
},
"paymentMethodType": "DEBITDE",
"paymentMethodBrand": "DEBITDE"
},
"terminalId": "54080602",
"merchantId": "54080602",
"transactionTime": 1727875008,
"approvedAmount": {
"total": 12.76,
"currency": "EUR",
"components": {
"subtotal": 12.76
}
},
"transactionAmount": {
"total": 12.76,
"currency": "EUR",
"components": {
"subtotal": 12.76
}
},
"transactionStatus": "APPROVED",
"approvalCode": "Y:000000:4668712481:PPXM:5945276816",
"processor": {
"referenceNumber": "000000",
"authorizationCode": "000000",
"responseCode": "00",
"responseMessage": "Function performed error-free",
"taxRefundData": {}
}
}
Updated 6 days ago
