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 'SepaSaleTransaction' | Number of the SEPA mandate |
mandate.signatureDate | Mandatory 'SepaSaleTransaction' | Date when the cardholder has provided the approval for the direct debit |
mandate.type | Mandatory 'SepaSaleTransaction' | Type of the mandate. Possible values: SINGLE, FIRST_COLLECTION; RECURRING_COLLECTION, FINAL_COLLECTION |
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 8 days ago
