SEPA Direct Debit

Integration

This payment method allows you to address various business cases. Depending on the case you choose your integration changes. Have a look at this matrix to know exactly which integration is the most suitable for you:

We offer this payment methods for the following integration modes. Regardless of the mode you choose, the flow follows some basic steps as described below. Learn in our dedicated guides about the individual difference:

		I want my customers to fill in the mandate....
		On our platform	In my webshop
I will process the first transaction....	Right after the mandate creation	CreateHostedCheckout with mandate creation	CreatePayment with mandate creation
I will process the first transaction....	Later	CreateHostedCheckout with mandate creation for a 0-amount transaction + Create payment	Create mandate + Create payment

If you want to process a transaction with an existing mandate, apply the flow Server-to-server with existing mandate

Hosted Checkout Page with mandate creation

Add the following properties to a standard Create Hosted Checkout request:

{
	"hostedCheckoutSpecificInput": {
		"returnUrl": "https://yourReturnUrl.com",
		"locale": "en_GB"
	},
	"order": {
		"amountOfMoney": {
			"amount": 1000,
			"currencyCode": "EUR"
		}
	},
	"sepaDirectDebitPaymentMethodSpecificInput": {
		"paymentProduct771SpecificInput": {
			"mandate": {
				"customerReference": "CustomerRef_{{TIMESTAMP}}",
				"recurrenceType": "RECURRING",
				"signatureType": "SMS"
			}
		}
	}
}

Properties	Remarks
hostedCheckoutSpecificInput returnURL locale	returnURL: The URL we redirect your customers to after the payment has been created locale: The language version of our Hosted Checkout Page, including the SEPA mandate form
order.amountOfMoney amount currencyCode	Amount: The gross amount you want to charge for this order. If you want to create the mandate first and process the transaction later, set the value to "0" CurrencyCode: The ISO 4217 currency code for this amount
sepaDirectDebitPaymentMethodSpecificInput.paymentProduct771SpecificInput.mandate customerReference recurrenceType signatureType	customerReference: A unique reference for your customer recurrenceType: The mandate's validity. Possible values: "UNIQUE": The mandate is valid for one payment "RECURRING": The mandate is valid for the currently processed transaction and for an indefinite amount of subsequent transactions signatureType: The mode for signing the mandate. Possible values: "SMS": After the redirection to the redirectUrl, the customer enters her/his phone number to receive a 4-digit SMS code to be entered on the redirectUrl "UNSIGNED": For requests for which you already have received a signed (paper-based) mandate at some point in the past

Server-to-server with mandate creation

Add the following properties to a standard Create Payment request:


{
	"order": {
		"amountOfMoney": {
			"amount": 123,
			"currencyCode": "EUR"
		}
	},
	"sepaDirectDebitPaymentMethodSpecificInput": {
		"paymentProduct771SpecificInput": {
			"mandate": {
                        "returnUrl": "https://yourReturnUrl.com",
			"customer": {
					"bankAccountIban": {
						"iban": "BE45000253450589"
					},
					"companyName": "yourCompanyName",
					"contactDetails": {
						"emailAddress": "customer@domain.com"
					},
					"mandateAddress": {
						"city": "Paris",
						"countryCode": "FR",
						"street": "27 rue des fleurs",
						"zip": "75008"
					},
					"personalInformation": {
						"name": {
							"firstName": "john",
							"surname": "doe"
						},
						
					}
				},
			"customerReference": "0efaa98944324234b9ad27f9355a1093",
			"language": "en",
			"recurrenceType": "RECURRING",
			"signatureType": "SMS"
			}
		},
	"paymentProductId": 771
	}
}

Properties	Remarks
order.amountOfMoney amount currencyCode	Amount: The gross amount you want to charge for this order CurrencyCode: The ISO 4217 currency code for this amount
sepaDirectDebitPaymentMethodSpecificInput.paymentProduct771SpecificInput.mandate returnURL customer customerReference language recurrenceType signatureType	returnURL: The URL we redirect your customers to after the payment has been finalised customer: All required information for creating the mandate customerReference: A unique reference for your customer language: The language version of the SEPA mandate form recurrenceType: The mandate's validity. Possible values: "UNIQUE": The mandate is valid for one payment "RECURRING": The mandate is valid for the currently processed transaction and for an indefinite amount of subsequent transactions signatureType: The mode for signing the mandate. Possible values: "SMS": After the redirection to the redirectUrl, the customer enters her/his phone number to receive a 4-digit SMS code to be entered on the redirectUrl "UNSIGNED": For requests for which you already have received a signed (paper-based) mandate at some point in the past. paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" tab

Server-to-server with existing mandate

Add the following properties to a standard Create Payment request:

{
	"order": {
		"amountOfMoney": {
			"amount": 200,
			"currencyCode": "EUR"
		}
	},
	"sepaDirectDebitPaymentMethodSpecificInput": {
		"paymentProduct771SpecificInput": {
			"existingUniqueMandateReference": "mandateRef_existingReference"
		},
		"paymentProductId": 771
		}
}

Properties	Remarks
order.amountOfMoney amount currencyCode	Amount: The gross amount you want to charge for this order CurrencyCode: The ISO 4217 currency code for this amount
sepaDirectDebitPaymentMethodSpecificInput.paymentProduct771SpecificInput.existingUniqueMandateReference	The reference of the mandate your customer signed during the creation of the first transaction
paymentProductId	The numeric identifier of the payment method on our platform. Find this id in the "Overview" tab

Create mandate

Our Create Mandate API allows you to create a mandate for later use, thus separating it from the transaction request linked to this mandate. Consequentially, you can use this mandate in subsequent Server-to-server with existing mandate requests.

Add the following properties to a standard Create Mandate request:

{
   "customer":{
      "bankAccountIban":{
         "iban":"BE45000253450589"
      },
      "mandateAddress":{
         "city":"Monument Valley",
         "countryCode":"US",
         "houseNumber":"13",
         "street":"Desertroad",
         "zip":"84536"
      },
      "personalInformation":{
         "name":{
            "firstName":"Jane",
            "surname":"Doe"
         },
      }
   },
   "customerReference":"uniqueCustomerReference123456789012",
   "language":"en",
   "recurrenceType":"UNIQUE",
   "returnUrl":"https://yourReturnUrl.com",
   "signatureType":"SMS"
}

Properties	Remarks
customer bankAccountIban.iban mandateAddress personalInformation	All required information for the mandate
customerReference language recurrenceType returnUrl signatureType uniqueMandateReference	customerReference: A unique reference for your customer language: The language version of the SEPA mandate form signatureType: The mode for signing the mandate. Possible values: "SMS": After the redirection to the redirectUrl, the customer enters her/his phone number to receive a 4-digit SMS code to be entered on the redirectUrl "UNSIGNED": For requests for which you already have received a signed (paper-based) mandate at some point in the past. returnUrl: The URL we redirect your customers to after the payment has been finalised recurrenceType: The mandate's validity. Possible values: "UNIQUE": The mandate is valid for one payment "RECURRING": The mandate is valid for the currently processed transaction and for an indefinite amount of subsequent transactions

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