SEPA Direct Debit - Model C

Payment Method String	sepamm
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

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>sepamm</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 -->
        <bankaccount>
            <iban>DE84837473949793743749</iban>
        </bankaccount>
        <mandate>
            <mandatereference>sepa-01012017</mandatereference>
            <mandateurl>https://www.example.com/mandate/sepa-01012017</mandateurl>
            <mandatesignaturedate>2017-06-15</mandatesignaturedate>
            <sequencetype>oneOff</sequencetype>
        </mandate>
    </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
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.
Mandate Reference	M	[A-Za-z0-9:?/+(),. -]*	0-35	A unique reference for this mandate.
Mandate URL	M	xsd:anyURI	1-255	Valid URL pointing to the SEPA mandate, needs to be accessible by risk and compliance department.
Mandate Signature	M	[0-9]{4}-[0-9]{2}-[0-9]{2}	10	Date of mandate signature. Format: YYYY-MM-DD.
Sequence Type	O	[A-Za-z]*	0-9	Can take 4 values: oneOff - The direct debit is executed once. This is the default value. first - First direct debit in a series of recurring ones. recurring - Follow-up direct debit in a series of recurring ones. final - Last direct debits in a series of recurring direct debits.
Customer Number	O	[a-zA-Z0-9\-\s\.,\+@_]*	0-50	A unique reference for this customer for example from your CRM system
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.