SEPA Direct Debit

Pays & devises

Pays pris en charge

• Îles Åland
• Andorre
• Autriche
• Belgique
• Chypre
• Estonie
• Finlande
• France
• Guyane française
• Allemagne
• Groenland
• Guadeloupe
• Irlande
• Italie
• Lettonie
• Lituanie
• Luxembourg
• Malte
• Martinique
• Mayotte
• Monaco
• Pays-Bas
• Portugal
• Réunion
• Saint-Barthélemy
• Saint-Martin
• Saint-Pierre-et-Miquelon
• Saint-Marin
• Slovaquie
• Slovénie
• Espagne
• Vatican

Devises prises en charge

• Euro (EUR)

Intégration

Nous proposons cette méthode de paiement pour les modes d'intégration suivants. Apprenez dans nos guides dédiés leurs différences individuelles :

• Hosted Checkout Page
• Server-to-server

Trouvez un aperçu général dans le chapitre "Cinématique".

Cette méthode de paiement vous permet de répondre à divers cas d'utilisation. En fonction du méthode d'intégration et du cas d'utilisation, des différences s'appliquent. Consultez cette matrice pour savoir exactement ce qui est le plus adapté à vos besoins :

Hosted Checkout Page with mandate creation

Add the following properties to a standard CreateHostedCheckout request:

{
   "hostedCheckoutSpecificInput":{
      "returnUrl":"https://yourReturnUrl.com",
      "locale":"en_GB",
      "paymentProductFilters":{
         "restrictTo":{
            "products":[
               771
            ]
         }
      }
   },
   "order":{
      "amountOfMoney":{
         "amount":1000,
         "currencyCode":"EUR"
      }
   },
   "sepaDirectDebitPaymentMethodSpecificInput":{
      "paymentProduct771SpecificInput":{
         "mandate":{
            "customerReference":"CustomerRef_{{TIMESTAMP}}",
            "recurrenceType":"RECURRING",
            "signatureType":"UNSIGNED"
         }
      }
   }
}

Server-to-server with mandate creation

Add the following properties to a standard CreatePayment request:

{
	"order": {
		"amountOfMoney": {
			"amount": 123,
			"currencyCode": "EUR"
		}
	},
	"sepaDirectDebitPaymentMethodSpecificInput": {
		"paymentProduct771SpecificInput": {
			"mandate": {
                        "returnUrl": "https://yourReturnUrl.com",
			"customer": {
					"bankAccountIban": {
						"iban": "BE45000253450589"
					},
					"companyName": "yourCompanyName",
					"contactDetails": {
						"emailAddress": "customer@domain.com"
					},
					"mandateAddress": {
						"city": "Paris",
						"countryCode": "FR",
						"street": "27 rue des fleurs",
						"zip": "75008"
					},
					"personalInformation": {
						"name": {
							"firstName": "john",
							"surname": "doe"
						},
						
					}
				},
			"customerReference": "0efaa98944324234b9ad27f9355a1093",
			"language": "en",
			"recurrenceType": "RECURRING",
			"signatureType": "UNSIGNED"
			}
		},
	"paymentProductId": 771
	}
}

Server-to-server avec mandat existant

Ajoutez les propriétés suivantes à une demande standard CreatePayment :

{
	"order": {
		"amountOfMoney": {
			"amount": 200,
			"currencyCode": "EUR"
		}
	},
	"sepaDirectDebitPaymentMethodSpecificInput": {
		"paymentProduct771SpecificInput": {
			"existingUniqueMandateReference": "mandateRef_existingReference"
		},
		"paymentProductId": 771
		}
}

Create mandate

Our CreateMandateAPI allows you to create a mandate for later use, thus separating it from the transaction request linked to this mandate. Consequentially, you can use this mandate in subsequent Server-to-server with existing mandate requests.

Add the following properties to a standard CreateMandate request:

{
   "customer":{
      "bankAccountIban":{
         "iban":"BE45000253450589"
      },
      "mandateAddress":{
         "city":"Monument Valley",
         "countryCode":"US",
         "houseNumber":"13",
         "street":"Desertroad",
         "zip":"84536"
      },
      "personalInformation":{
         "name":{
            "firstName":"Jane",
            "surname":"Doe"
         },
      }
   },
   "customerReference":"uniqueCustomerReference123456789012",
   "language":"en",
   "recurrenceType":"UNIQUE",
   "returnUrl":"https://yourReturnUrl.com",
   "signatureType":"UNSIGNED"
}

Cinématique

With mandate creation via CreateHostedCheckout

This flow applies to the creation of a transaction and a mandate in one go.
It covers the following use cases:

• One-off transactions
• The first transaction of a series linked to a mandate

1. Your customers finalise an order in your shop and select this payment method.
2. You send a CreateHostedCheckout request to our platform to create a mandate and the payment.
3. Our platform sends you a response containing a redirectUrl.
4. You redirect your customers via the redirectUrl to the Hosted Checkout Page. They enter their bank credentials to confirm the payment.
5. We redirect your customer to your returnUrl.
6. We send the transaction for processing and receive the result from the issuer (within 1-2 days).
7. As soon as the issuer has confirmed processing the transaction, our platform updates the transaction to statusOutput.statusCode=9
8. You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
9. If the transaction was successful(statusOutput.statusCode=9), you can deliver the goods / service.
10. The issuer transfers the funds to us.
11. We transfer the funds to you.

With mandate creation via CreatePayment

1. Your customers finalise an order in your shop and select this payment method.
2. You send a CreatePayment request to our platform to create a mandate.
3. Our platform sends you a response containing a merchantAction.redirectData.redirectUrl (you will need for step 4) and sepaDirectDebitPaymentMethodSpecificOutput.paymentProduct771SpecificOutput.mandateReference.
4. You redirect your customers to the merchantAction.redirectData.redirectUrl. They confirm the payment. 
5. We redirect your customer to your returnUrl.
6. We process the transaction immediately after the mandate creation. We receive the result from the issuer within 1-2 days.
7. As soon as the issuer has confirmed processing the transaction, our platform updates the transaction to statusOutput.statusCode=9
8. You request the transaction result from our platform via GetPaymentDetails or receive the result via webhooks.
9. If the transaction was successful(statusOutput.statusCode=9), you can deliver the goods / service.
10. The issuer transfers the funds to us.
11. We transfer the funds to you.

Avec mandat existant via CreatePayment

Ce flux s'applique à :

• Transactions uniques
• Les transactions initiales ou ultérieures d'une série de paiements liés

pour lesquelles vous avez déjà un mandat.

1. Vos clients finalisent une commande dans votre boutique et sélectionnent cette méthode de paiement.
2. Vous envoyez cette demande CreatePayment à notre plateforme, en incluant la référence de mandat existante dans la propriété sepaDirectDebitPaymentMethodSpecificInput.paymentProduct771SpecificInput.existingUniqueMandateReference
3. Nous traitons la transaction. Nous recevons le résultat de l'émetteur dans un délai de 1-2 jours.
4. Dès que l'émetteur a confirmé le traitement de la transaction, notre plateforme met à jour la transaction en statusOutput.statusCode=9
5. Vous demandez le résultat de la transaction à notre plateforme via GetPaymentDetails ou recevez le résultat via webhooks.
6. Si la transaction a été réussie (statusOutput.statusCode=9), vous pouvez livrer les marchandises / services.
7. L'émetteur nous transfère les fonds.
8. Nous vous transférons les fonds.

Mandate creation for later use via CreateMandate

This flow applies if you want to create a mandate and charge your customer at a later stage (i.e. when your customers create an account with you and you charge them at a fixed date at a later stage):

1. You send a CreateMandate request to our platform.
2. You redirect your customers to the redirectUrl to fill in the SEPA mandate. They confirm the mandate creation.
3. We redirect your customer to your returnUrl.

Test

Consultez nos Cas de test pour des données de test et des instructions détaillées.

Informations supplémentaires

Gestion des mandats

L’API vous permet de révoquer des mandats via un endpoint dédié.

Pour révoquer définitivement un mandat, envoyez une requête vers notre endpoint RevokeMandate :

{
	"revocationReason”:”receivedFinal"
}