SEPA Direct Debit is based on the following concept: both debtor and creditor must hold an account with a financial service provider located within the SEPA area. The transfer of money between the debtor’s bank and the creditor’s bank always takes place in Euro.
Cashless transactions will be made and received in and between the SEPA member countries regardless of their location. Existing sorting codes and account numbers will be replaced by an International Bank Account Number (IBAN) and a Bank Identifier Code (BIC).
If b4payment is your chosen acquirer, you must add the consumerMerchantCrmId parameter.
Hobex instead of you draws the direct debits from the debtor’s bank to one joint account, so no individual creditor IDs are available and any value within the request parameter
creditorId will be ignored.
|Hobex is only available for customers in Germany, Austria or the Netherlands.|
Additional optional request parameters for Sepa are
After successful payments some additional response parameters are returned.
For further information about backend operation refer to the backend.
To interpret this diagram, the successful completion of a NEW PAYMENT is assumed. Starting from this operation it’s possible to carry out different transaction-based operations.
|For the explanation of the different status descriptions included in this diagram have a look at getOrderDetails.|
|You can find all possible states of transactions for all specific acquirers here.|