SEPA

SEPA Direct Debit

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).

b4payment as an Acquirer

If b4payment is the chosen acquirer, the parameter consumerMerchantCrmId must be added.

Hobex as an Acquirer

Hobex 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.

Parameters

SEPA payment method can be initialized if the merchant sends SEPA-DD for parameter paymentType.

Additional optional request parameters for Sepa are mandateId and mandateSignatureDue.

After successful payments some additional response parameters are returned.

Optional request parameters customerStatement and orderReference are more restricted about their length and allowed characters than usual.

For further information about backend operation refer to the backend.

Order Flow Diagrams

One Step Transaction (default)

Two Step Transaction

Contact our integration specialists team to enable this workflow.

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.

All possible states of transaction for all specific acquirers can be found here.