SEPA Direct Debit

Overview - SEPA Direct Debit

The Single Euro Payments Area (SEPA) is an European initiative which aims to address making cashless payments across European borders by creating common payment instruments and a more innovative market for retail payments.

The European payments industry has created three basic payment instruments introduced across Europe: SEPA Credit Transfer, SEPA Direct Debit and SEPA for Cards.

• With SEPA Credit Transfers, people can move funds in a single transaction to an account inside or outside their home country within a single business day.
• With SEPA Direct Debits, a company in one country can directly charge an account in another country.
• SEPA for Cards enables consumers to use the payment cards they are using in their own country for purchases elsewhere in Europe and merchants can readily accept payment cards from all over Europe. SEPA for Cards combines convenience with a high level of security.

Main advantages of this payment method:

• SEPA Payment Instruments are used for all credit transfers and direct debits in euro, both within the euro area countries, and between them.
• Internet payments based on SEPA foster electronic commerce in Europe.
• SEPA has paved the way for other innovative services, such as mobile payments.
• Consumers can easily buy goods and services anywhere in Europe.
• Payments are fast and reliable, what you see is what you pay.
• Companies can centralize their European treasuries and make all their payments through just one account.
• Banks and payment providers can expand their businesses.

Customer Experience - SEPA Direct Debit

• Select the SEPA payment method.

• Provide your bank account details: - mandatory: Account Holder and IBAN - optional: BIC and Bank Name

Accept SEPA mandate by marking a check box.

You will be redirected to the Payment form success or the Payment form failure popup window.

PayEngine Details - SEPA Direct Debit

General

Supported Features and Services

Integration Types

Technical Flow

Prerequisite: Collect mandate acceptance

Before creating a SEPA direct debit order, your customer must accept the SEPA Direct Debit mandate. The acceptance authorizes Concardis to collect payments for the specified amount from their bank account, using SEPA Direct Debit.

What is a mandate?

Usually, the SEPA mandate is a paper document, but since it is not possible to implement a paper document in eCommerce, electronic mandates (eMandates) are used. The Mandates are stored within the Payengine payment instrument.

These mandates have a unique mandateId, and store the mandateText as well as the createdDateTime (the timestamp the customer agreed to the specific mandate).

Within Payengine, the mandate object of a payment instrument is used for tracking the usage of a payment instrument through the type property.

"Ich ermächtige die Concardis GmbH, Helfman-Park 7 in 65760 Eschborn, GläubigerID DE82ZZZ00000346626, Zahlungen von meinem Konto mittels SEPA-Lastschrift unter der Mandatsreferenz [mandateId] einzuziehen. Zugleich weise ich mein Kreditinstitut an, die von Concardis GmbH auf mein Konto gezogenen SEPA-Lastschriften einzulösen.

	Hinweis: Ich kann innerhalb von acht Wochen, beginnend mit dem Belastungsdatum, die Erstattung des belasteten Betrages verlangen. Es gelten dabei die mit meinem Kreditinstitut vereinbarten Bedingungen.

Single Order

When a customer provides authorization for a single usage of his bank details for a payment.

You can: - Collect payment data and place the order in your shop. - Create debit or preauth with the directDebitType set to SINGLE

For more information, see Single Order.

Recurring Order

When a customer provides authorization to perform a series of payments with his bank details.

Recurring payments are handled with use of the directDebitType of mandate object which points to the type of usage for the particular order. Mark the orders as FIRST, RECURRING or FINAL.

Recurring Order Types:

There are two types of recurring orders: Recurring Order With initial Payment and Recurring Order Without initial Payment.

Recurring Order Without initial Payment

This option provides:

• Collect payment data and place the order in your shop.
• Perform the backend-to-backend payment instrument request POST /payment-instruments with the directDebitType set to FIRST. This request should result in a recurring payment instrument.
• For recurring usage, see next paragraph.

For more information, see Recurring Order Without Initial Payment.

Recuring Order With Initial Payment

This option provides:

• Collect payment data and place the order in your shop.
• Create debit or preauth with the directDebitType set to FIRST. This request should result in a recurring payment instrument.
• Use the already created payment instrument for executing orders providing only the directDebitType that stands for the current usage of the mandate. (RECURRING/FINAL).

For more information, see Recurring Order with Initial Payment.

Specifications - SEPA Direct Debit

POST/payment-instruments specific request parameters

String statementDescription = order.getStatementDescription();

if ( StringUtils.isEmpty( statementDescription ) ) {
	statementDescription = order.getMerchantOrderId() != null ? order.getMerchantOrderId() : order.getBusinessKey() + " " + merchant.getCompanyName() + " " + merchant.getShopUrl();

POST/payment-instruments specific response parameters

POST/customers specific request parameters

POST/orders/preauth/

POST/orders/debit request parameters

Refunds

To use the refund service of PayEngine, configure your bank account connection at the Concardis Merchant Center.

Testing - SEPA Direct Debit

Settlements - SEPA Direct Debit

You can see all settlement information in the Unified Settlement Report. For more information on the format and mappings, see Unified Settlement Report.