SEPA Direct Debit Products

The Single Euro Payments Area (SEPA) Direct Debit is a standardized payment method for bank-to-bank transactions within the European Union. PPRO currently supports the SEPA Direct Debit Core scheme and not the SEPA Direct Debit B2B scheme. The Core scheme supports both business and personal bank accounts.

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.

We have 2 variants of the product:

1. SEPA Direct Debit - Here during the complete payment flow is managed by the merchant, the consumer must accept a mandate authorizing the debit — this mandate is hosted within your own merchant checkout experience, not on a PPRO-hosted payments page.
2. SEPA Direct Debit Managed Mandate - During the payment flow, when the consumer selects the pay button, merchant needs to simply use the redirect experience to route the consumer to accept the mandate on a page 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.

Creditor identifiers (Creditor ID)

The SEPA Creditor ID identifier is part of each SEPA Direct Debit payment and identifies the company requesting the payment. The creditor ID lets consumers identify who is debiting money from their bank account. By default, PPRO uses its creditor ID on your behalf when collecting SEPA Direct Debit payments. If you have your own creditor ID that you want to use for SEPA Direct Debit collections, please contact your PPRO Account Manager with your Creditor ID to have it configured.

SEPA Direct Debit notification

The SEPA Direct Debit rulebook requires that you notify your customer every time you debit their account. You must send this notification at least one day before initiating the SEPA Direct Debit payment. To ensure that customers recognize the SEPA Direct Debit payment and don’t initiate a chargeback, we recommend including the following information as part of the debit notification to customers:

• The last 4 digits of the customer's bank account.
• The amount to be charged.
• The SEPA creditor identifier.
  • PPRO Creditor identifier or
  • Your own creditor identifier
• The creditor name: The merchant name assigned to your payment method.
• Your contact details.

Refunds

You can refund SEPA Direct Debit payments anytime after the original payment has settled. You can perform full or partial payments.

Important considerations - Shoppers can dispute a payment with their bank even after you’ve issued a refund, potentially resulting in two credits for the same payment. Refunding a SEPA Direct Debit payment is risky if there is an ongoing dispute with the shopper.

When to issue refunds
PPRO recommends issuing SEPA Direct Debit refunds only when:

1. The shopper is trusted and verified.
2. You have confirmed with the shopper that you are processing the refund.
3. At least 7 days have passed since the original payment.

Shopper Communication

Consider the following guidelines:

1. Always inform shoppers immediately when issuing a refund, explaining that it may take a few business days to appear in their account.
2. If you accidentally charge a shopper, contact them immediately to prevent disputes.
3. If you need assistance processing a refund, contact Adyen support.