SEPA Direct Debit

SEPA Direct Debit

General Information

SEPA stands for Single Euro Payments Area. SEPA Direct Debit is an initiative of the European Union aimed at improving and simplifying cashless cross-border payment transactions and thus replacing existing domestic direct debit schemes. 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).

With SEPA, creditors may collect payments in Euro both domestically and in other SEPA member countries.

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. Although the accounts may be in Euro or in any other SEPA currency, the transfer of money between the debtor´s bank and the creditor´s bank always takes place in Euro. For SEPA Direct Debit transactions, the debtor must grant a mandate to the creditor. By signing the mandate, the creditor is authorized to collect the relevant payments and to instruct the debtor´s bank to pay the relevant funds.

SEPA Direct Debit is used for single (one-off) or recurring direct debit collections.

For further information, visit European Payments Council.

Order flow diagram

For a visual representation of the order flow behavior and associated transaction-based operations of this payment method we invite you to have a look at the respective order flow diagram.

SEPA Direct Debit and B4 Payments

If B4 Payments is your chosen acquirer, you must add the consumerMerchantCrmId parameter.

Parameter Data type Short description

consumerMerchantCrmId

Alphanumeric with a variable length of up to 50 characters

Unique ID identifying the consumer of your online shop, e.g. from your CRM system. The parameter must not be a human readable e-mail address. However, if an e-mail address is used it has to be hashed beforehand by the merchant.

SEPA Direct Debit and Hobex

If Hobex is your chosen acquirer, Hobex instead of you draws the direct debits from the debtor´s bank to one joint account. Therefore, no individual creditor IDs are available for you and any value within the request parameter creditorId will be ignored.

Note that SEPA Direct Debit and Hobex is only possible for German, Austrian and Dutch banks.
Also be aware that the back-end operation recurPayment may only be carried out using SEPA Direct Debit and Hobex if the bank involved in the initial payment is located in Germany, Austria or the Netherlands.
Since the due date is always calculated by Hobex there is no need to use the parameter dueDate.
The SEPA Direct Debit mandate form, i.e. to request authorization from your consumers allowing you to collect future payments from them at any time, is always created and displayed by QENTA.

Additional optional request parameters

Parameter Within fingerprint Data type Short description

mandateId

Required if used

Alphanumeric with a variable length of up to 35.

Identifier of displayed mandate.
If the mandateId is not set, QENTA will generate a mandateId for you.

mandateSignatureDate

Required if used

Date as DD.MM.YYYY

Date when mandate was signed.
If the mandateSignatureDate is not set, QENTA will use the current date as signature date.

Additional response parameters returned for successful payments

Parameter Data type Short description

creditorId

Alphanumeric with a variable length of up to 35.

Unique identification of creditor (always Hobex).

dueDate

Date as DD.MM.YYYY

Date when payment is debited from consumer’s bank account (calculated by Hobex).

mandateId

Alphanumeric with a variable length of up to 35

Identifier of the displayed mandate.

mandateSignatureDate

Date as DD.MM.YYYY

Date when the mandate was signed by the consumer.

Optional request parameters

Depending on the relevant acquirers for SEPA Direct Debit, the optional request parameters customerStatement and orderReference are more restricted with regard to their length and allowed characters than are other general request parameters.

The following specifications and restrictions apply for the parameter customerStatement:

Acquirer Data type Short description

Computop

ASCII with a variable length of up to 254 characters.

Text displayed on bank statement issued to your consumer by the financial service provider.

Hobex

ASCII with a variable length of up to 254 characters.

:::

The following specifications and restrictions apply for the parameter orderReference:

Acquirer Data type Short description

Computop

ASCII with a variable length of up to 128 characters.

Unique order reference ID sent from merchant to financial institution.

Hobex

ASCII with a variable length of up to 128 characters.

:::

Detailed description of parameters

creditorId

The parameter creditorId identifies a merchant and allows consumers to manage their mandates with merchants more easily.

mandateId

The parameter mandateId defines a two-party mandate between the merchant and the debtor, and is required for SEPA Direct Debit payments. The mandate is an agreement giving the merchant permission to debit the consumer’s account for the sum that the two parties agreed upon. Every mandate has an ID provided by the merchant that has to be unique for the creditor.

mandateSignatureDate

The parameter mandateSignatureDate defines the date on which the above-mentioned mandate was signed by the consumer.

dueDate

The parameter dueDate defines the day when payment is debited from the consumer’s bank account.

Hobex and due date calculation

If you choose Hobex as your acquirer, Hobex calculates the due date for you.

=== Back-end operations

Please refer to back-end operations for further information and details on transaction-based and non-transaction-based operations in QPAY Checkout Page and QMORE Checkout Seamless.

To carry out recurring payments the request parameter request_parameters#transactionIdentifier is used. For more information visit recurPayment.

=== FAQ

==== Transactions without SEPA

Is it possible to change the order of the presented countries in the drop-down form field?

Please contact our support teams which will adopt the order of the countries in your online shop according to your requirements.