Recurring SEPA Direct Debit payments can be initiated either directly from a payment instrument or through our Payment Agreements API.

Using a payment instrument

To make a recurring 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.
instrumentId	The payment instrument of a previous SEPA DIRECT DEBIT payment charge. You must ensure that the mandate is still valid for the current payment.

Request:

POST /v1/payment-charges

{
  "paymentMethod": "SEPA_DIRECT_DEBIT",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "name": "John Smith",
    "country": "FR"
  },
  "instrumentId": "instr_cH9PMbAMsoVGYLeA1C9cL"
}

Response:

You'll receive the standard SEPA Direct Debit response here.

Using a payment agreement

You can use our Payment Agreements API to set up recurring SEPA Direct Debit payments, giving you a comprehensive solution to view and track all associated transactions.

Similar to one-time payments, you’ll need to collect the consumer’s name, email, and IBAN details, obtain their approval for the direct debit mandate, and generate a mandate ID.

Create the payment agreement

To set up a recurring agreement for SEPA DD, you'll need to provide at minimum the following data when calling our /v1/payment-agreements API:

Data Field	Required	Description
paymentMethod	M	SEPA_DIRECT_DEBIT
consumer.name	M	Full name of the consumer.
consumer.country	M	The country where the consumer is shopping.
instrument: BANK_ACCOUNT details.iban	M	The IBAN of the consumer's bank account.
instrument: BANK_ACCOUNT details.debitMandateId	M	The mandate ID you have generated in your system to identify the SEPA mandate.

You can also include the initialPaymentCharge object in this agreement creation call to immediately initiate the first payment without making a separate call. If you include this object, you'll need to specify the exact amount.value and amount.currency of the first payment.

If you don't include an initialPaymentCharge during agreement creation, you'll need to make a separate API call to /v1/payment-agreements/{agreement_id}/payment-charges to create the first charge.

Request

POST /v1/payment-agreements

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

{
  "paymentMethod": "SEPA_DIRECT_DEBIT",
  "consumer": {
    "name": "Connor Sumer",
    "country": "NL"
  },
  "instrument": {
    "type": "BANK_ACCOUNT",
    "details": {
      "iban": "FR1420041010050500013M02606",
      "debitMandateId": "YOURDIRECTDEBITMANDATEID12123"
    }
  },
  "initialPaymentCharge": {
    "amount": {
      "value": 1000,
      "currency": "EUR"
    }
  }
}

Response

{
  "id": "agr_v2tXTPKpmslWIJjUOIUtm",
  "status": "ACTIVE",
  "paymentMethod": "SEPA_DIRECT_DEBIT",
  "startDate": "2025-04-15T16:10:26.270Z",
  "instrumentId": "instr_ocU6uxar4Fo4zr50tMd9T",
  "consumer": {
    "name": "John Smith",
    "country": "FR"
  },
  "history": [
    {
      "id": "ahist_q08s0A5sQMUN32TFVdVq9",
      "status": "ACTIVE",
      "createdAt": "2025-04-15T16:10:26.439Z"
    }
  ],
  "createdAt": "2025-04-15T16:10:26.439Z",
  "updatedAt": "2025-04-15T16:10:26.439Z"
}

{
  "id": "agr_1vP51hJpDCzbZGu6Ch4Ah",
  "status": "ACTIVE",
  "paymentMethod": "SEPA_DIRECT_DEBIT",
  "startDate": "2025-04-15T16:15:18.892Z",
  "instrumentId": "instr_7Km0BopbXA0Pd0PtHwPDU",
  "consumer": {
    "name": "John Smith",
    "country": "FR"
  },
  "history": [
    {
      "id": "ahist_zqCTA06XqK9EsoBlUM9Tb",
      "status": "ACTIVE",
      "createdAt": "2025-04-15T16:15:20.026Z"
    }
  ],
  "initialPaymentChargeId": "charge_b5Lv9OQMrQWu1dAEgRe5f",
  "createdAt": "2025-04-15T16:15:20.026Z",
  "updatedAt": "2025-04-15T16:15:20.026Z"
}

Handling the result

Since there is no authentication step required for SEPA Direct Debit, you will receive the agreement details in the response, with status ACTIVE.

If included in the request, the intial 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.

Create a recurring payment

To initiate a subsequent recurring payment, send a request against an active agreement /v1/payment-agreements/{agreement-id}/payment-charges

Request

POST /v1/payment-agreements/{agreement-id}/payment-charges

{
  "amount": {
    "value": 1000,
    "currency": "EUR"
  }
}

Response

{
  "id": "charge_VVJbYlQuMKyWKMIT9lnR3",
  "paymentMethod": "SEPA_DIRECT_DEBIT",
  "currency": "EUR",
  "country": "FR",
  "instrumentId": "instr_ocU6uxar4Fo4zr50tMd9T",
  "status": "AUTHORIZATION_ASYNC",
  "consumer": {
    "name": "John Smith",
    "country": "FR"
  },
  "authorizations": [
    {
      "id": "authz_IGDaGFCRrfAwVdExlRoKo",
      "amount": 1000,
      "status": "PROVIDER_CONFIRMATION_PENDING",
      "createdAt": "2025-04-15T16:32:26.825Z",
      "updatedAt": "2025-04-15T16:32:26.825Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2025-04-15T16:32:26.646Z",
  "updatedAt": "2025-04-15T16:32:26.825Z"
}