Payment method properties


Markets (consumer)	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: `BL` `GG` `GI` `IM` `JE` `NC` `PF` `PM` `TF` `WF`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Authentication methods	N/A
Authentication timeout	1 day
Minimum payment amount	0.10 EUR
Maximum payment amount	1,000.00 EUR
Payment instrument	`BANK_ACCOUNT`
Recurring payments	Yes
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	365 days
Disputes	Yes
Settlement risk	Yes

Make a SEPA Direct Debit payment

Before debiting an account via SEPA Direct Debit, we need to collect the consumer's name and bank account number in IBAN format. During the payment flow, the consumer must accept a mandate authorizing the debit — hosted within PPRO's redirect based checkout experience.

In this variant, PPRO handles the entire mandate management process on the merchant's behalf — covering consumer consent, mandate storage, email notifications, and lifecycle tracking — all under PPRO's own Creditor ID. Simply make use of the PPRO Hosted Payments Page and we take care of the rest.

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

Field	Description
paymentMethod	`SEPA_DIRECT_DEBIT_MANAGED_MANDATE`
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 of residence of the consumer.
consumer.email	The consumer’s email address
instrument: BANK_ACCOUNT `details.iban`	The IBAN of the consumer's bank account.
authenticationSettings: REDIRECT settings.returnUrl	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the REDIRECT payment flow.

Request:

POST /v1/payment-charges

{
    "paymentMethod": "SEPA_DIRECT_DEBIT_MANAGED_MANDATE",
    "amount": {
        "value": 1000,
        "currency": "EUR"
    },
    "consumer": {
        "name": "John Smith",
        "country": "FR",
        "email": "[email protected]"
    },
    "instrument": {
        "type": "BANK_ACCOUNT",
        "details": {
            "iban": "FR1420041010050500013M02606"
        }
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.ppro.com"
            }
        }
    ]
}

Response:

Since SEPA Direct Debit Managed Mandate has additional consumer authentication step, you will see a request URL that leads the consumer to a SEPA Mandate consent page before processing the SEPA payment. Only after the successful consent is provided by the consumer, the payment processing is initiated.

{
    "id": "charge_Z3Sjo35rlj1LyOSZuGK0B",
    "paymentMethod": "SEPA_DIRECT_DEBIT_MANAGED_MANDATE",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_uCPBUG3r7KXIScprhnUud",
    "currency": "EUR",
    "country": "FR",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "name": "John Smith",
        "email": "[email protected]",
        "country": "FR"
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://authman.sandbox.lp-pl.ppro.com/v0/pages/?redirection_token=eyJhbGciOiJIUzUxMiJ9.eyJzZXNzaW9uIjp7InIiOiJjaGFyZ2VfWjNTam8zNXJsajFMeU9TWnVHSzBCIn19.07iC5c-G3uRRvYzsQJ8b6dK0FF2vlU3WSWOPmr-49pAwzMtsfcHS2qao8TvTBA23vT5-9cYBDi9VM49zKeefkA",
                "requestMethod": "GET"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_4vA9xc8PMLAOWy987XScn",
            "amount": 1000,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2026-07-22T15:59:58.342Z",
            "updatedAt": "2026-07-22T15:59:58.342Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "discards": [],
    "voids": [],
    "createdAt": "2026-07-22T15:59:58.069Z",
    "updatedAt": "2026-07-22T15:59:58.342Z",
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_Z3Sjo35rlj1LyOSZuGK0B/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_Z3Sjo35rlj1LyOSZuGK0B/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_Z3Sjo35rlj1LyOSZuGK0B/refunds"
        },
        "discards": {
            "href": "/v1/payment-charges/charge_Z3Sjo35rlj1LyOSZuGK0B/discards"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_Z3Sjo35rlj1LyOSZuGK0B/voids"
        }
    }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

The payment charge status will initially be set to AUTHORIZATION_ASYNC. If a positive response is received and no reversals or refusals are returned by the consumer's bank, the charge will update to CAPTURED and you will be notified via webhook. Should a reversal or refusal occur, the status will change to FAILED with one of the reason codes outlined 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 Managed Mandate 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": "mandate_ABGpvWGn4lIabjWrPpoYQ"
  },
  "type": "BANK_ACCOUNT"
}