Integrate SEPA Direct Debit and allow merchants to collect euro-denominated payments from bank accounts in 30+ SEPA countries and associated territories. Learn more about SEPA Direct Debit.


Markets	EU/EEA countries: `AT` `BE` `BG` `CY` `CZ` `DE` `DK` `EE` `ES` `FI` `FR` `GR` `HR` `HU` `IE` `IS` `IT` `LI` `LT` `LU` `LV` `MT` `NL` `NO` `PL` `PT` `RO` `SE` `SI` `SK` Non-EEA Countries with bilateral agreements: `AD` `CH` `GB` `MC` `SM` `VA` Non-EEA Territories: `GG` `IM` `JE` `PM`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Settlement currencies	`EUR`
Authentication methods	N/A
Minimum payment amount	0.10 EUR
Maximum payment amount	1,000.00 EUR (configurable)
Payment instrument	`BANK_ACCOUNT`
Recurring payments	Yes
Separate captures	Yes
Refund	Full - Partial - Multiple
Refund validity	365 days
Disputes	Yes
Disputes validity	Up to 13 months
Sandbox availability	PPRO provided

Make a SEPA Direct Debit payment

SEPA Direct Debit is most commonly used for recurring payments but can also be used for one-time payments. SEPA Direct Debit does not require an additional consumer authentication step. However, we recommend including all relevant settings for any authentication methods you support.

To make a SEPA Direct Debit payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges API:

Data Field	Description
paymentMethod	`SEPA_DIRECT_DEBIT`
amount.value	The amount to be paid in the smallest units of the currency used.
amount.currency	`EUR`
consumer.name	Full name of the consumer.
consumer.country	The country where the consumer is shopping.
instrument: BANK_ACCOUNT details.iban	The IBAN of the consumer's bank account.
instrument: BANK_ACCOUNT details.debitMandateId	Generate a mandate ID (maximum 35 alphanumeric characters).

Request:

POST /v1/payment-charges

{
  "paymentMethod": "SEPA_DIRECT_DEBIT",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "name": "John Smith",
    "country": "FR"
  },
  "instrument": {
    "type": "BANK_ACCOUNT",
    "details": {
      "iban": "FR1420041010050500013M02606",
      "debitMandateId": "YOURDIRECTDEBITMANDATEID12123"
    }
  }
}

Response:

Since SEPA Direct Debit has no additional consumer authentication step, you'll receive our standard payment charge response (see potential responses in the API Reference) with the available authentication methods.

{
  "id": "charge_s9KGjildrixhGpcSOVyCF",
  "paymentMethod": "SEPA_DIRECT_DEBIT",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_w8yFLFrhvqnzNaJU1g1GL",
  "currency": "EUR",
  "country": "FR",
  "status": "AUTHORIZATION_ASYNC",
  "consumer": {
    "name": "John Smith",
    "country": "FR"
  },
  "authenticationMethods": [],
  "authorizations": [
    {
      "id": "authz_jBssECRurIpwaBShQpADm",
      "amount": 1000,
      "status": "PROVIDER_CONFIRMATION_PENDING",
      "createdAt": "2025-04-14T14:02:57.939Z",
      "updatedAt": "2025-04-14T14:02:57.939Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2025-04-14T14:02:57.624Z",
  "updatedAt": "2025-04-14T14:02:57.939Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_s9KGjildrixhGpcSOVyCF/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_s9KGjildrixhGpcSOVyCF/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_s9KGjildrixhGpcSOVyCF/refunds"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_s9KGjildrixhGpcSOVyCF/voids"
    }
  }
}

Handling the payment result

The payment charge status will initially be set to AUTHORIZATION_ASYNC for 5 days. If there are no reversals or refusals from the consumers bank during this period, the payment charge will update to CAPTURE_PENDING and you'll be notified through a webhook. However, if a reversal or refusal occurs, the status will change to FAILED with one of the reason codes below.

Response codes

Code	ISO definition
`AC01`	Incorrect Account Number
`AC04`	Consumer Bank Reversal
`AC06`	Blocked Account
`AC13`	Invalid Debtor Account Type
`AG01`	Transaction Forbidden
`AG02`	Invalid Bank Operation Code
`AM04`	Insufficient Funds
`AM05`	Duplication
`BE05`	Unrecognised Initiating Party
`CNOR`	Creditor Bank Is Not Registered
`DNOR`	Debtor Bank Is Not Registered
`ED05`	Settlement Failed
`FF01`	Invalid File Format
`MD01`	No Mandate
`MD02`	Missing Mandatory Mandate Information in Mandate
`MD06`	Refund Request By End Customer
`MD07`	End Customer Deceased
`MS02`	Not Specified Reason Customer Generated
`MS03`	Not Specified Reason Agent Generated
`RC01`	Bank Identifier Incorrect
`RR01`	Missing Debtor Account Or Identification
`RR02`	Missing Debtor Name Or Address
`RR03`	Missing Creditor Name Or Address
`RR04`	Regulatory Reason
`SL01`	Specific Service Offered By Debtor Agent

Payment instrument

An instrument of type BANK_ACCOUNT will be created to support SEPA Direct Debit payments. It securely stores the consumer's bank account details and mandate ID, and can be used to initiate recurring payments.

GET /v1/payment-instruments/{instrument-id}

Response

{
  "id": "instr_w8yFLFrhvqnzNaJU1g1GL",
  "details": {
    "holderName": "John Smith",
    "iban": "FR1420041010050500013M02606",
    "debitMandateId": "YOURDIRECTDEBITMANDATEID12123"
  },
  "type": "BANK_ACCOUNT"
}