SEPA Direct Debit - Model A

Payment Method String sepapm
Available Countries AD, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, MT, NL, NO, PL, PT, RO, SE, SI, SK, SM, VA
Available Currencies EUR
Min Transaction Amount
EUR 0.10
Max Transaction Amount
EUR 1,000
Supports Refunds
Full & Partial with 365 day limit
Chargebacks
Yes
Sandbox
Yes

 

Note: Unlike other non-card payment methods, SEPA follows a synchronous flow and a response is provided immediately confirming if the mandate was set up.

Sample request

HTTP POST (HPP)

<form method="POST" action="https://pay.sandbox.realexpayments.com/pay">
    <input type="hidden" name="TIMESTAMP" value="{{ timestamp }}">
    <input type="hidden" name="MERCHANT_ID" value="Merchant ID">
    <input type="hidden" name="ACCOUNT" value="internet">
    <input type="hidden" name="ORDER_ID" value="N6qsk4kYRZihmPrTXWYS6g">
    <input type="hidden" name="AMOUNT" value="1001">
    <input type="hidden" name="CURRENCY" value="EUR">
    <input type="hidden" name="SHA1HASH" value="308bb8dfbbfcc67c28d602d988ab104c3b08d012">
    <input type="hidden" name="AUTO_SETTLE_FLAG" value="1">
    <input type="hidden" name="HPP_VERSION" value="2">
    <input type="hidden" name="HPP_CUSTOMER_COUNTRY" value="DE">
    <input type="hidden" name="HPP_CUSTOMER_FIRSTNAME" value="James">
    <input type="hidden" name="HPP_CUSTOMER_LASTNAME" value="Mason">
    <input type="hidden" name="MERCHANT_RESPONSE_URL" value="https://www.example.com/returnUrl">
    <input type="hidden" name="HPP_TX_STATUS_URL" value="https://www.example.com/statusUrl">
    <!-- Begin Mandatory / Optional Additional Fields -->
    <input type="hidden" name="HPP_CUSTOMER_EMAIL" value="test@example.com">
    <input type="hidden" name="HPP_CUSTOMER_IBAN" value="DE84837473949793743749">
    <input type="hidden" name="CUST_NUM" value="E8953893489">
    <!-- End Mandatory / Optional Additional Fields -->
    <input type="hidden" name="COMMENT1" value="Mobile Channel">
    <input type="hidden" name="COMMENT2" value="Down Payment">
    <input type="hidden" name="CARD_PAYMENT_BUTTON" value="Pay Now">
    <input type="submit" value="Click here to Purchase">
</form>

XML

<?xml version='1.0' encoding='UTF-8'?>
<request type='payment-set' timestamp='{{ timestamp }}'>
    <merchantid>Merchant ID</merchantid>
    <account>internet</account>
    <amount currency='EUR'>1001</amount>
    <autosettle flag='1' />
    <orderid>N6qsk4kYRZihmPrTXWYS6g</orderid>
    <paymentmethod>sepapm</paymentmethod>
    <paymentmethoddetails>
        <returnurl>https://www.example.com/returnUrl</returnurl>
        <statusupdateurl>https://www.example.com/statusUrl</statusupdateurl>
        <descriptor>Test Transaction</descriptor>
        <country>DE</country>
        <accountholdername>James Mason</accountholdername>
        <!-- Begin Mandatory / Optional Additional Fields -->
        <customeremail>test@example.com</customeremail>
        <bankaccount>
            <iban>DE84837473949793743749</iban>
        </bankaccount>
    </paymentmethoddetails>
    <tssinfo>
        <custnum>248b1c43-0fb2-4fa1-9b1c-8cca3cfb4269</custnum>
    </tssinfo>
    <!-- End Mandatory / Optional Additional Fields -->
    <comments>
        <comment id='1'>Mobile Channel</comment>
        <comment id='2'>Down Payment</comment>
    </comments>
    <sha1hash>82f3d22c04292f8673bc1e0fb8ecf0c54e38065c</sha1hash>
</request>

Sample Request

Additional Fields Syntax

Type indicates whether the element is Mandatory (M), Optional (O), or Conditional (C) - dependent on another field.

Name Type Format Length Description
Customer Email M ([a-zA-Z0-9_\-\.]+)@([a-zA-Z0-9_\-\.]+)\.([a-zA-Z]{2,24}) 0-80

The email address of the customer.
IBAN M [A-Z]{2}[0-9]{2}[0-9,A-Z]{10,30} 34

Code that identifies the customer's bank, account number itself and the country of origin.
Customer Number O [a-zA-Z0-9\-\s\.,\+@_]* 0-50

A unique reference for this customer for example from your CRM systems
Mandate Reference M [A-Za-z0-9:?/+(),. -]* 0-35

A unique reference for this mandate.
Mandate Signature M [0-9]{4}-[0-9]{2}-[0-9]{2} 10

Date of mandate signature. Format: YYYY-MM-DD.
Consumer Name O [a-zA-Z0-9\-\s\.,\+@_]* 0-50

A unique reference for this customer; for example, from your CRM system.
Dynamic Descriptor O a-z A-Z 0-9 [space] / - French-accented 25

Dynamic Descriptor allows merchants to pass through an alternative “doing business as” (DBA) name in the Charge Description field so that it appears on the customer's bank statement.