---
title: "Pay by Bank (Europe) for API only"
description: "Add Pay by Bank (Europe) to an existing API-only integration."
url: "https://docs.adyen.com/payment-methods/pay-by-bank-europe/api-only"
source_url: "https://docs.adyen.com/payment-methods/pay-by-bank-europe/api-only.md"
canonical: "https://docs.adyen.com/payment-methods/pay-by-bank-europe/api-only"
last_modified: "2023-08-28T14:43:00+02:00"
language: "en"
---

# Pay by Bank (Europe) for API only

Add Pay by Bank (Europe) to an existing API-only integration.

[View source](/payment-methods/pay-by-bank-europe/api-only.md)

Accept Pay by Bank (Europe) payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

## Requirements

| Requirement          | Description                                                                                                                                                         |
| -------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Integration type** | Make sure that you have built your [API-only integration](/online-payments/build-your-integration).                                                                 |
| **Setup steps**      | Before you begin, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to add Pay by Bank (Europe) in your Customer Area. |

## Build your payment form

You can optionally configure your payment form to include a list of issuing banks for Pay by Bank (Europe).

In some regions, like Germany, there are so many banks that you cannot show a list of issuing banks. Shoppers are redirected to our open banking partner Tink to select their bank.

In other regions, like the United Kingdom, you can let shoppers pre-select their bank before redirecting them to Tink, by showing the list of issuing banks in your payment form. If you do not show the list of issuing banks, shoppers select their bank after being redirected to Tink.

In markets where issuer selection is supported, the list of issuing banks is included in the `/paymentMethods` response.

### Show a list of issuer IDs

If issuer selection is supported:

1. Make a [/paymentMethods](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods) request specifying the correct [countryCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods) (for example, **GB**) and [amount.currency](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods#request-amount) (for example, **GBP**).
2. From the `paymentMethods` response, get a list of available issuing banks from the object with `type`: **paybybank**.
3. Show the list of issuing banks to the shopper.
4. After the shopper selects a bank, include the [issuer ID](#issuer-ids) when you [make the payment request](#make-payment).

For more information, refer to the [API-only integration guide](/online-payments/build-your-integration/advanced-flow?platform=Web\&integration=API%20only).

For the UK, where you can show the issuer list in the payment form, the list may include the following banks:

### Tab: Test payments

| Bank name      | Issuer ID                                    |
| -------------- | -------------------------------------------- |
| Tink Demo Bank | **uk-demobank-open-banking-handoff**         |
| Tink Demo Bank | **uk-demobank-open-banking-redirect**        |
| Tink Demo Bank | **uk-demobank-open-banking-redirect-aispis** |

### Tab: Live payments

| Bank name              | Issuer ID                    |
| ---------------------- | ---------------------------- |
| AIB                    | **uk-aib-oauth2**            |
| Bank of Scotland       | **uk-bankofscotland-oauth2** |
| Barclays               | **uk-barclays-oauth2**       |
| Chase Bank             | **uk-chase-ob**              |
| Danske Bank            | **uk-danskebank-oauth2**     |
| First Direct           | **uk-firstdirect-oauth2**    |
| First Trust            | **uk-firsttrust-oauth2**     |
| Halifax                | **uk-halifax-oauth2**        |
| HSBC                   | **uk-hsbc-oauth2**           |
| Lloyds                 | **uk-lloyds-oauth2**         |
| Monzo                  | **uk-monzo-oauth2**          |
| NatWest                | **uk-natwest-oauth2**        |
| Nationwide Bank        | **uk-nationwide-oauth2**     |
| Revolut                | **uk-revolut-oauth2**        |
| Royal Bank of Scotland | **uk-rbs-oauth2**            |
| Santander              | **uk-santander-oauth2**      |
| Starling               | **uk-starling-oauth2**       |
| TSB Bank               | **uk-tsb-oauth2**            |
| Tesco Bank             | **uk-tesco-oauth2**          |
| Ulster Bank            | **uk-ulster-oauth2**         |
| Wise Bank              | **uk-wise-ob**               |

We provide logos for and the issuing banks, which you can use on your payment form. For more information, refer to [Downloading logos](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only#downloading-logos).

## Make a payment

1. Make a [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request, specifying:

   | Parameter              | Required                                                                                    | Description                                                                                                                                                                |
   | ---------------------- | ------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
   | `countryCode`          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The shopper's country/region. Format: the two-letter [ISO-3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) country code. Exception: **QZ** (Kosovo).      |
   | `returnUrl`            | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | URL to where the shopper should be redirected back to after they complete the payment. This URL can have a maximum of 1024 characters.                                     |
   | `paymentMethod.type`   | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | **paybybank**                                                                                                                                                              |
   | `paymentMethod.issuer` |                                                                                             | The [issuer ID](#issuer-ids) of the shopper's selected bank. This is only supported in regions where you can show the issuer list.                                         |
   | `shopperLocale`        |                                                                                             | The language that the redirection page (hosted by Tink) should be rendered in. The page can be in the local language (for example, **de-DE** for Germany) or in **en-US**. |

   #### curl

   ```bash
   curl https://checkout-test.adyen.com/v72/payments \
   -H 'x-api-key: ADYEN_API_KEY' \
   -H 'content-type: application/json' \
   -d '{
      "amount":{
         "currency":"GBP",
         "value":1000
      },
      "countryCode": "GB",
      "paymentMethod":{
         "type":"paybybank",
         "issuer":"uk-demobank-open-banking-handoff"
      },
      "merchantAccount":"ADYEN_MERCHANT_ACCOUNT",
      "shopperLocale": "en-GB",
      "reference":"YOUR_ORDER_NUMBER",
      "returnUrl":"https://your-company.example.com/checkout?shopperOrder=12xy.."
   }'
   ```

   #### Java

   ```java
   // Adyen Java API Library v27.0.0
   import com.adyen.Client;
   import com.adyen.enums.Environment;
   import com.adyen.model.checkout.*;
   import java.time.OffsetDateTime;
   import java.util.*;
   import com.adyen.model.RequestOptions;
   import com.adyen.service.checkout.*;

   // For the live environment, additionally include your liveEndpointUrlPrefix.
   Client client = new Client("ADYEN_API_KEY", Environment.TEST);

   // Create the request object(s)
   Amount amount = new Amount()
     .currency("GBP")
     .value(1000L);

   PayByBankDetails payByBankDetails = new PayByBankDetails()
     .type(PayByBankDetails.TypeEnum.PAYBYBANK)
     .issuer("uk-demobank-open-banking-handoff");

   PaymentRequest paymentRequest = new PaymentRequest()
     .reference("YOUR_ORDER_NUMBER")
     .amount(amount)
     .merchantAccount("ADYEN_MERCHANT_ACCOUNT")
     .countryCode("GB")
     .paymentMethod(new CheckoutPaymentMethod(payByBankDetails))
     .shopperLocale("en-GB")
     .returnUrl("https://your-company.example.com/checkout?shopperOrder=12xy..");

   // Send the request
   PaymentsApi service = new PaymentsApi(client);
   PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
   ```

   #### PHP

   ```php
   // Adyen PHP API Library v19.0.0
   use Adyen\Client;
   use Adyen\Environment;
   use Adyen\Model\Checkout\Amount;
   use Adyen\Model\Checkout\CheckoutPaymentMethod;
   use Adyen\Model\Checkout\PaymentRequest;
   use Adyen\Service\Checkout\PaymentsApi;

   $client = new Client();
   $client->setXApiKey("ADYEN_API_KEY");
   // For the live environment, additionally include your liveEndpointUrlPrefix.
   $client->setEnvironment(Environment::TEST);


   // Create the request object(s)
   $amount = new Amount();
   $amount
     ->setCurrency("GBP")
     ->setValue(1000);

   $checkoutPaymentMethod = new CheckoutPaymentMethod();
   $checkoutPaymentMethod
     ->setType("paybybank")
     ->setIssuer("uk-demobank-open-banking-handoff");

   $paymentRequest = new PaymentRequest();
   $paymentRequest
     ->setReference("YOUR_ORDER_NUMBER")
     ->setAmount($amount)
     ->setMerchantAccount("ADYEN_MERCHANT_ACCOUNT")
     ->setCountryCode("GB")
     ->setPaymentMethod($checkoutPaymentMethod)
     ->setShopperLocale("en-GB")
     ->setReturnUrl("https://your-company.example.com/checkout?shopperOrder=12xy..");

   $requestOptions['idempotencyKey'] = 'UUID';

   // Send the request
   $service = new PaymentsApi($client);
   $response = $service->payments($paymentRequest, $requestOptions);
   ```

   #### C\#

   ```cs
   // Adyen .net API Library v17.0.0
   using Adyen;
   using Environment = Adyen.Model.Environment;
   using Adyen.Model;
   using Adyen.Model.Checkout;
   using Adyen.Service.Checkout;

   // For the live environment, additionally include your liveEndpointUrlPrefix.
   var config = new Config()
   {
       XApiKey = "ADYEN_API_KEY",
       Environment = Environment.Test
   };
   var client = new Client(config);

   // Create the request object(s)
   Amount amount = new Amount
   {
     Currency = "GBP",
     Value = 1000
   };

   PayByBankDetails payByBankDetails = new PayByBankDetails
   {
     Type = PayByBankDetails.TypeEnum.Paybybank,
     Issuer = "uk-demobank-open-banking-handoff"
   };

   PaymentRequest paymentRequest = new PaymentRequest
   {
     Reference = "YOUR_ORDER_NUMBER",
     Amount = amount,
     MerchantAccount = "ADYEN_MERCHANT_ACCOUNT",
     CountryCode = "GB",
     PaymentMethod = new CheckoutPaymentMethod(payByBankDetails),
     ShopperLocale = "en-GB",
     ReturnUrl = "https://your-company.example.com/checkout?shopperOrder=12xy.."
   };

   // Send the request
   var service = new PaymentsService(client);
   var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
   ```

   #### NodeJS (JavaScript)

   ```js
   // Adyen Node API Library v18.0.0
   // Require the parts of the module you want to use
   const { Client, CheckoutAPI } = require('@adyen/api-library');
   // Initialize the client object
   // For the live environment, additionally include your liveEndpointUrlPrefix.
   const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

   // Create the request object(s)
   const paymentRequest = {
     amount: {
       currency: "GBP",
       value: 1000
     },
     countryCode: "GB",
     paymentMethod: {
       type: "paybybank",
       issuer: "uk-demobank-open-banking-handoff"
     },
     merchantAccount: "ADYEN_MERCHANT_ACCOUNT",
     shopperLocale: "en-GB",
     reference: "YOUR_ORDER_NUMBER",
     returnUrl: "https://your-company.example.com/checkout?shopperOrder=12xy.."
   }

   // Send the request
   const checkoutAPI = new CheckoutAPI(client);
   const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
   ```

   #### Go

   ```go
   // Adyen Go API Library v10.4.0
   import (
     "context"
     "github.com/adyen/adyen-go-api-library/v9/src/common"
     "github.com/adyen/adyen-go-api-library/v9/src/adyen"
     "github.com/adyen/adyen-go-api-library/v9/src/checkout"
   )
   // For the live environment, additionally include your liveEndpointUrlPrefix.
   client := adyen.NewClient(&common.Config{
     ApiKey:      "ADYEN_API_KEY",
     Environment: common.TestEnv,
   })

   // Create the request object(s)
   amount := checkout.Amount{
     Currency: "GBP",
     Value: 1000,
   }

   payByBankDetails := checkout.PayByBankDetails{
     Type: "paybybank",
     Issuer: common.PtrString("uk-demobank-open-banking-handoff"),
   }

   paymentRequest := checkout.PaymentRequest{
     Reference: "YOUR_ORDER_NUMBER",
     Amount: amount,
     MerchantAccount: "ADYEN_MERCHANT_ACCOUNT",
     CountryCode: common.PtrString("GB"),
     PaymentMethod: checkout.PayByBankDetailsAsCheckoutPaymentMethod(&payByBankDetails),
     ShopperLocale: common.PtrString("en-GB"),
     ReturnUrl: "https://your-company.example.com/checkout?shopperOrder=12xy..",
   }

   // Send the request
   service := client.Checkout()
   req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
   res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
   ```

   #### Python

   ```py
   # Adyen Python API Library v12.5.1
   import Adyen

   adyen = Adyen.Adyen()
   adyen.client.xapikey = "ADYEN_API_KEY"
   # For the live environment, additionally include your liveEndpointUrlPrefix.
   adyen.client.platform = "test" # The environment to use library in.

   # Create the request object(s)
   json_request = {
     "amount": {
       "currency": "GBP",
       "value": 1000
     },
     "countryCode": "GB",
     "paymentMethod": {
       "type": "paybybank",
       "issuer": "uk-demobank-open-banking-handoff"
     },
     "merchantAccount": "ADYEN_MERCHANT_ACCOUNT",
     "shopperLocale": "en-GB",
     "reference": "YOUR_ORDER_NUMBER",
     "returnUrl": "https://your-company.example.com/checkout?shopperOrder=12xy.."
   }

   # Send the request
   result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
   ```

   #### Ruby

   ```rb
   # Adyen Ruby API Library v9.5.1
   require "adyen-ruby-api-library"

   adyen = Adyen::Client.new
   adyen.api_key = 'ADYEN_API_KEY'
   # For the live environment, additionally include your liveEndpointUrlPrefix.
   adyen.env = :test # Set to "live" for live environment

   # Create the request object(s)
   request_body = {
     :amount => {
       :currency => 'GBP',
       :value => 1000
     },
     :countryCode => 'GB',
     :paymentMethod => {
       :type => 'paybybank',
       :issuer => 'uk-demobank-open-banking-handoff'
     },
     :merchantAccount => 'ADYEN_MERCHANT_ACCOUNT',
     :shopperLocale => 'en-GB',
     :reference => 'YOUR_ORDER_NUMBER',
     :returnUrl => 'https://your-company.example.com/checkout?shopperOrder=12xy..'
   }

   # Send the request
   result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
   ```

   #### NodeJS (TypeScript)

   ```ts
   // Adyen Node API Library v18.0.0
   // Require the parts of the module you want to use
   import { Client, CheckoutAPI, Types } from "@adyen/api-library";
   // Initialize the client object
   // For the live environment, additionally include your liveEndpointUrlPrefix.
   const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

   // Create the request object(s)
   const amount: Types.checkout.Amount = {
     currency: "GBP",
     value: 1000
   };

   const payByBankDetails: Types.checkout.PayByBankDetails = {
     type: Types.checkout.PayByBankDetails.TypeEnum.Paybybank,
     issuer: "uk-demobank-open-banking-handoff"
   };

   const paymentRequest: Types.checkout.PaymentRequest = {
     reference: "YOUR_ORDER_NUMBER",
     amount: amount,
     merchantAccount: "ADYEN_MERCHANT_ACCOUNT",
     countryCode: "GB",
     paymentMethod: payByBankDetails,
     shopperLocale: "en-GB",
     returnUrl: "https://your-company.example.com/checkout?shopperOrder=12xy.."
   };

   // Send the request
   const checkoutAPI = new CheckoutAPI(client);
   const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
   ```

2. In the [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) response, check the `action` object for the information that you must use to redirect the shopper.

   **/payments response**

   ```json
   {
     "resultCode":"RedirectShopper",
     "action":{
       "paymentMethodType":"paybybank",
       "method":"GET",
       "url":"https://checkoutshopper-test.adyen.com/checkoutshopper/checkoutPaymentRedirect?redirectData=...",
       "type":"redirect"
     }
   }
   ```

## Handle the redirect

1. To complete the payment, redirect the shopper to the `action.url` returned in the [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) response, taking into account the following recommendations:

   * **When using the HTTP GET method:**\
     For security reasons, when showing the redirect in the app, we recommend that you use [SFSafariViewController](https://developer.apple.com/documentation/safariservices/sfsafariviewcontroller) for iOS or [Chrome Custom Tabs](https://developer.chrome.com/multidevice/android/customtabs) for Android, instead of WebView objects. Also refer to the [security best practices](https://developer.android.com/topic/security/best-practices#webview) for WebView.

   * **Redirection for mobile integrations:**\
     For mobile integrations, we strongly recommended that you redirect the shopper to the default browser of their device. Redirecting to the default browser ensures the best compatibility, handling of multi-factor authentication, app-to-app redirection, and error handling.

2. After the shopper is redirected back to your website, check the payment result by making a POST [/payments/details](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/details) request, specifying:

   * `details`: object that contains the URL-decoded `redirectResult` returned when the shopper was redirected back to your site.

   **/payments/details request**

   ```bash
   curl https://checkout-test.adyen.com/v72/payments/details \
   -H 'x-api-key: ADYEN_API_KEY' \
   -H 'content-type: application/json' \
   -d '{
      "details": {
         "redirectResult": "eyJ0cmFuc1N0YXR1cyI6IlkifQ=="
      }
   }'
   ```

3. In the response note the following:

   * `resultCode`: use this to present the result to your shopper.
   * `pspReference`: our unique identifier for the transaction.

   **/payments/details response**

   ```json
   {
      "resultCode": "Authorised",
      "pspReference": "V4HZ4RBFJGXXGN82"
   }
   ```

## Present the payment result

Use the  [resultCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/details#responses-200-resultCode) that you received in the [/payments/details](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/details) response to present the payment result to your shopper.

The `resultCode` values you can receive for Pay by Bank (Europe) are:

| resultCode                  | Description                                                                                                                | Action to take                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| --------------------------- | -------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **Authorised**              | The payment was successful.                                                                                                | Inform the shopper that the payment has been successful. You will receive the funds in 2-3 days.                                                                                                                                                                                                                                                                                                                                                                   |
| **Cancelled**               | The shopper cancelled the payment while on their bank's website.                                                           | Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.                                                                                                                                                                                                                                                                                                                                                    |
| **Error**                   | There was an error while the payment was processed.                                                                        | Inform the shopper that there was an error processing their payment. The response contains a `refusalReason`, indicating the cause of the error.                                                                                                                                                                                                                                                                                                                   |
| **Pending** or **Received** | The shopper has completed the payment but the final result is not yet known. It may take minutes or hours to confirm this. | Inform the shopper that you received their order, and are waiting for the payment to be completed. You will receive the final result of the payment in an [AUTHORISATION webhook](/development-resources/webhooks/webhook-types). If the transaction is not authorised within 30 minutes, the offer will close. Optionally, you can be informed of this through an [OFFER\_CLOSED webhook](https://docs.adyen.com/api-explorer/Webhooks/latest/post/OFFER_CLOSED). |
| **Refused**                 | The payment was refused for risk reasons.                                                                                  | See the [Pay by Bank (US) raw responses](https://docs.adyen.com/development-resources/raw-acquirer-responses/#pay-by-bank-us-raw-responses) for more information about risk-related refusals and how to handle them.                                                                                                                                                                                                                                               |

[]()If the shopper closed the browser and failed to return to your website, wait for webhooks to know the outcome of the payment:

| eventCode         | success field | Description                                     | Action to take                                                                      |
| ----------------- | ------------- | ----------------------------------------------- | ----------------------------------------------------------------------------------- |
| **AUTHORISATION** | **false**     | The payment failed.                             | Cancel the order and inform the shopper that the payment failed.                    |
| **AUTHORISATION** | **true**      | The shopper successfully completed the payment. | Inform the shopper that the payment has been successful and proceed with the order. |

## Recurring payments

We support recurring transactions for Pay by Bank (Europe) through [SEPA Direct Debit](/payment-methods/sepa-direct-debit).

We strongly recommend that you ask explicit permission from the shopper if you intend to make future recurring payments. Being transparent about the payment schedule and the charged amount reduces the risk of chargebacks.

To make recurring payments, you need to:

1. [Create a shopper token](#create-a-token).
2. [Use the token to make future payments for the shopper](#make-payment-with-token).

### Create a token

#### Store SEPA details

When [creating a token](/online-payments/tokenization/create-tokens) for SEPA Direct Debit, use the standard tokenization parameters in your payment request. You do not need to include any additional parameters for SEPA Direct Debit.

**Create a SEPA token for subscription payments**

#### curl

```bash
curl https://checkout-test.adyen.com/v72/payments \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'content-type: application/json' \
-d '{
   "amount":{
      "value":1000,
      "currency":"EUR"
   },
   "countryCode": "NL",
   "paymentMethod":{
      "type":"sepadirectdebit",
      "storedPaymentMethodId":"M5N7TQ4TG5PFWR50"
   },
   "reference":"YOUR_ORDER_NUMBER",
   "merchantAccount":"ADYEN_MERCHANT_ACCOUNT",
   "shopperReference":"YOUR_SHOPPER_REFERENCE",
   "shopperInteraction":"Ecommerce",
   "recurringProcessingModel": "Subscription"
}'
```

#### Java

```java
// Adyen Java API Library v40.0.1
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.checkout.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.model.RequestOptions;
import com.adyen.service.checkout.*;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
Client client = new Client("ADYEN_API_KEY", Environment.TEST);

// Create the request object(s)
Amount amount = new Amount()
  .currency("EUR")
  .value(1000L);

SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails()
  .storedPaymentMethodId("M5N7TQ4TG5PFWR50")
  .type(SepaDirectDebitDetails.TypeEnum.SEPADIRECTDEBIT);

PaymentRequest paymentRequest = new PaymentRequest()
  .reference("YOUR_ORDER_NUMBER")
  .amount(amount)
  .merchantAccount("ADYEN_MERCHANT_ACCOUNT")
  .countryCode("NL")
  .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.SUBSCRIPTION)
  .paymentMethod(new CheckoutPaymentMethod(sepaDirectDebitDetails))
  .shopperInteraction(PaymentRequest.ShopperInteractionEnum.ECOMMERCE)
  .shopperReference("YOUR_SHOPPER_REFERENCE");

// Send the request
PaymentsApi service = new PaymentsApi(client);
PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
```

#### PHP

```php
<?php
// Adyen PHP API Library v28.3.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\Checkout\Amount;
use Adyen\Model\Checkout\CheckoutPaymentMethod;
use Adyen\Model\Checkout\PaymentRequest;
use Adyen\Service\Checkout\PaymentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_API_KEY");
// For the LIVE environment, also include your liveEndpointUrlPrefix.
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$amount = new Amount();
$amount
  ->setCurrency("EUR")
  ->setValue(1000);

$checkoutPaymentMethod = new CheckoutPaymentMethod();
$checkoutPaymentMethod
  ->setStoredPaymentMethodId("M5N7TQ4TG5PFWR50")
  ->setType("sepadirectdebit");

$paymentRequest = new PaymentRequest();
$paymentRequest
  ->setReference("YOUR_ORDER_NUMBER")
  ->setAmount($amount)
  ->setMerchantAccount("ADYEN_MERCHANT_ACCOUNT")
  ->setCountryCode("NL")
  ->setRecurringProcessingModel("Subscription")
  ->setPaymentMethod($checkoutPaymentMethod)
  ->setShopperInteraction("Ecommerce")
  ->setShopperReference("YOUR_SHOPPER_REFERENCE");

$requestOptions['idempotencyKey'] = 'UUID';

// Send the request
$service = new PaymentsApi($client);
$response = $service->payments($paymentRequest, $requestOptions);
```

#### C\#

```cs
// Adyen .NET API Library v32.2.1
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.Checkout;
using Adyen.Service.Checkout;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
var config = new Config()
{
    XApiKey = "ADYEN_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
Amount amount = new Amount
{
  Currency = "EUR",
  Value = 1000
};

SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails
{
  StoredPaymentMethodId = "M5N7TQ4TG5PFWR50",
  Type = SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
};

PaymentRequest paymentRequest = new PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  MerchantAccount = "ADYEN_MERCHANT_ACCOUNT",
  CountryCode = "NL",
  RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.Subscription,
  PaymentMethod = new CheckoutPaymentMethod(sepaDirectDebitDetails),
  ShopperInteraction = PaymentRequest.ShopperInteractionEnum.Ecommerce,
  ShopperReference = "YOUR_SHOPPER_REFERENCE"
};

// Send the request
var service = new PaymentsService(client);
var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v30.0.1
const { Client, CheckoutAPI } = require('@adyen/api-library');

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const paymentRequest = {
  amount: {
    value: 1000,
    currency: "EUR"
  },
  countryCode: "NL",
  paymentMethod: {
    type: "sepadirectdebit",
    storedPaymentMethodId: "M5N7TQ4TG5PFWR50"
  },
  reference: "YOUR_ORDER_NUMBER",
  merchantAccount: "ADYEN_MERCHANT_ACCOUNT",
  shopperReference: "YOUR_SHOPPER_REFERENCE",
  shopperInteraction: "Ecommerce",
  recurringProcessingModel: "Subscription"
}

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### Go

```go
// Adyen Go API Library v21.1.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v21/src/common"
  "github.com/adyen/adyen-go-api-library/v21/src/adyen"
  "github.com/adyen/adyen-go-api-library/v21/src/checkout"
)
// For the LIVE environment, also include your liveEndpointUrlPrefix.
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
amount := checkout.Amount{
  Currency: "EUR",
  Value: 1000,
}

sepaDirectDebitDetails := checkout.SepaDirectDebitDetails{
  StoredPaymentMethodId: common.PtrString("M5N7TQ4TG5PFWR50"),
  Type: common.PtrString("sepadirectdebit"),
}

paymentRequest := checkout.PaymentRequest{
  Reference: "YOUR_ORDER_NUMBER",
  Amount: amount,
  MerchantAccount: "ADYEN_MERCHANT_ACCOUNT",
  CountryCode: common.PtrString("NL"),
  RecurringProcessingModel: common.PtrString("Subscription"),
  PaymentMethod: checkout.SepaDirectDebitDetailsAsCheckoutPaymentMethod(&sepaDirectDebitDetails),
  ShopperInteraction: common.PtrString("Ecommerce"),
  ShopperReference: common.PtrString("YOUR_SHOPPER_REFERENCE"),
}

// Send the request
service := client.Checkout()
req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v14.0.0
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_API_KEY"
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "countryCode": "NL",
  "paymentMethod": {
    "type": "sepadirectdebit",
    "storedPaymentMethodId": "M5N7TQ4TG5PFWR50"
  },
  "reference": "YOUR_ORDER_NUMBER",
  "merchantAccount": "ADYEN_MERCHANT_ACCOUNT",
  "shopperReference": "YOUR_SHOPPER_REFERENCE",
  "shopperInteraction": "Ecommerce",
  "recurringProcessingModel": "Subscription"
}

# Send the request
result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
```

#### Ruby

```rb
# Adyen Ruby API Library v11.1.0
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_API_KEY'
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :amount => {
    :value => 1000,
    :currency => 'EUR'
  },
  :countryCode => 'NL',
  :paymentMethod => {
    :type => 'sepadirectdebit',
    :storedPaymentMethodId => 'M5N7TQ4TG5PFWR50'
  },
  :reference => 'YOUR_ORDER_NUMBER',
  :merchantAccount => 'ADYEN_MERCHANT_ACCOUNT',
  :shopperReference => 'YOUR_SHOPPER_REFERENCE',
  :shopperInteraction => 'Ecommerce',
  :recurringProcessingModel => 'Subscription'
}

# Send the request
result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v30.0.1
import { Client, CheckoutAPI, Types } from "@adyen/api-library";

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const amount: Types.checkout.Amount = {
  currency: "EUR",
  value: 1000
};

const sepaDirectDebitDetails: Types.checkout.SepaDirectDebitDetails = {
  storedPaymentMethodId: "M5N7TQ4TG5PFWR50",
  type: Types.checkout.SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
};

const paymentRequest: Types.checkout.PaymentRequest = {
  reference: "YOUR_ORDER_NUMBER",
  amount: amount,
  merchantAccount: "ADYEN_MERCHANT_ACCOUNT",
  countryCode: "NL",
  recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.Subscription,
  paymentMethod: sepaDirectDebitDetails,
  shopperInteraction: Types.checkout.PaymentRequest.ShopperInteractionEnum.Ecommerce,
  shopperReference: "YOUR_SHOPPER_REFERENCE"
};

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

When a token is created, you receive a [recurring.token.created](https://docs.adyen.com/api-explorer/Tokenization-webhooks/latest/post/recurring.token.created) webhook. The webhook contains the `storedPaymentMethodId` that you can use to make subsequent payments using the stored payment details.

### Make a payment with a token

Only use tokenised payments in scenarios where the shopper is not present, that is, `UnscheduledCardOnFile` and `Subscription` payments.

#### Make a subscription payment

[Make a subscription payment](/online-payments/tokenization/make-token-payments#make-a-subscription-or-unscheduled-card-on-file-payment) using the standard tokenization parameters. You do not need to include any additional parameters for SEPA Direct Debit.

**Make a subscription payment with a SEPA token**

#### curl

```bash
curl https://checkout-test.adyen.com/v72/payments \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'content-type: application/json' \
-d '{
   "amount":{
      "value":1000,
      "currency":"EUR"
   },
   "paymentMethod":{
      "type":"sepadirectdebit",
      "storedPaymentMethodId":"7219687191761347"
   },
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
   "reference":"YOUR_ORDER_NUMBER",
   "shopperReference":"YOUR_SHOPPER_REFERENCE",
   "shopperInteraction":"ContAuth",
   "recurringProcessingModel": "Subscription"
}'
```

#### Java

```java
// Adyen Java API Library v39.3.0
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.checkout.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.model.RequestOptions;
import com.adyen.service.checkout.*;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
Client client = new Client("ADYEN_API_KEY", Environment.TEST);

// Create the request object(s)
Amount amount = new Amount()
  .currency("EUR")
  .value(1000L);

SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails()
  .storedPaymentMethodId("7219687191761347")
  .type(SepaDirectDebitDetails.TypeEnum.SEPADIRECTDEBIT);

PaymentRequest paymentRequest = new PaymentRequest()
  .reference("YOUR_ORDER_NUMBER")
  .amount(amount)
  .merchantAccount("YOUR_MERCHANT_ACCOUNT")
  .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.SUBSCRIPTION)
  .paymentMethod(new CheckoutPaymentMethod(sepaDirectDebitDetails))
  .shopperInteraction(PaymentRequest.ShopperInteractionEnum.CONTAUTH)
  .shopperReference("YOUR_SHOPPER_REFERENCE");

// Send the request
PaymentsApi service = new PaymentsApi(client);
PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
```

#### PHP

```php
<?php
// Adyen PHP API Library v28.2.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\Checkout\Amount;
use Adyen\Model\Checkout\CheckoutPaymentMethod;
use Adyen\Model\Checkout\PaymentRequest;
use Adyen\Service\Checkout\PaymentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_API_KEY");
// For the LIVE environment, also include your liveEndpointUrlPrefix.
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$amount = new Amount();
$amount
  ->setCurrency("EUR")
  ->setValue(1000);

$checkoutPaymentMethod = new CheckoutPaymentMethod();
$checkoutPaymentMethod
  ->setStoredPaymentMethodId("7219687191761347")
  ->setType("sepadirectdebit");

$paymentRequest = new PaymentRequest();
$paymentRequest
  ->setReference("YOUR_ORDER_NUMBER")
  ->setAmount($amount)
  ->setMerchantAccount("YOUR_MERCHANT_ACCOUNT")
  ->setRecurringProcessingModel("Subscription")
  ->setPaymentMethod($checkoutPaymentMethod)
  ->setShopperInteraction("ContAuth")
  ->setShopperReference("YOUR_SHOPPER_REFERENCE");

$requestOptions['idempotencyKey'] = 'UUID';

// Send the request
$service = new PaymentsApi($client);
$response = $service->payments($paymentRequest, $requestOptions);
```

#### C\#

```cs
// Adyen .net API Library v32.1.1
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.Checkout;
using Adyen.Service.Checkout;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
var config = new Config()
{
    XApiKey = "ADYEN_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
Amount amount = new Amount
{
  Currency = "EUR",
  Value = 1000
};

SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails
{
  StoredPaymentMethodId = "7219687191761347",
  Type = SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
};

PaymentRequest paymentRequest = new PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.Subscription,
  PaymentMethod = new CheckoutPaymentMethod(sepaDirectDebitDetails),
  ShopperInteraction = PaymentRequest.ShopperInteractionEnum.ContAuth,
  ShopperReference = "YOUR_SHOPPER_REFERENCE"
};

// Send the request
var service = new PaymentsService(client);
var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v29.0.0
const { Client, CheckoutAPI } = require('@adyen/api-library');

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const paymentRequest = {
  amount: {
    value: 1000,
    currency: "EUR"
  },
  paymentMethod: {
    type: "sepadirectdebit",
    storedPaymentMethodId: "7219687191761347"
  },
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  reference: "YOUR_ORDER_NUMBER",
  shopperReference: "YOUR_SHOPPER_REFERENCE",
  shopperInteraction: "ContAuth",
  recurringProcessingModel: "Subscription"
}

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### Go

```go
// Adyen Go API Library v21.0.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v21/src/common"
  "github.com/adyen/adyen-go-api-library/v21/src/adyen"
  "github.com/adyen/adyen-go-api-library/v21/src/checkout"
)
// For the LIVE environment, also include your liveEndpointUrlPrefix.
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
amount := checkout.Amount{
  Currency: "EUR",
  Value: 1000,
}

sepaDirectDebitDetails := checkout.SepaDirectDebitDetails{
  StoredPaymentMethodId: common.PtrString("7219687191761347"),
  Type: common.PtrString("sepadirectdebit"),
}

paymentRequest := checkout.PaymentRequest{
  Reference: "YOUR_ORDER_NUMBER",
  Amount: amount,
  MerchantAccount: "YOUR_MERCHANT_ACCOUNT",
  RecurringProcessingModel: common.PtrString("Subscription"),
  PaymentMethod: checkout.SepaDirectDebitDetailsAsCheckoutPaymentMethod(&sepaDirectDebitDetails),
  ShopperInteraction: common.PtrString("ContAuth"),
  ShopperReference: common.PtrString("YOUR_SHOPPER_REFERENCE"),
}

// Send the request
service := client.Checkout()
req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v13.6.0
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_API_KEY"
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "paymentMethod": {
    "type": "sepadirectdebit",
    "storedPaymentMethodId": "7219687191761347"
  },
  "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
  "reference": "YOUR_ORDER_NUMBER",
  "shopperReference": "YOUR_SHOPPER_REFERENCE",
  "shopperInteraction": "ContAuth",
  "recurringProcessingModel": "Subscription"
}

# Send the request
result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
```

#### Ruby

```rb
# Adyen Ruby API Library v10.4.0
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_API_KEY'
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :amount => {
    :value => 1000,
    :currency => 'EUR'
  },
  :paymentMethod => {
    :type => 'sepadirectdebit',
    :storedPaymentMethodId => '7219687191761347'
  },
  :merchantAccount => 'YOUR_MERCHANT_ACCOUNT',
  :reference => 'YOUR_ORDER_NUMBER',
  :shopperReference => 'YOUR_SHOPPER_REFERENCE',
  :shopperInteraction => 'ContAuth',
  :recurringProcessingModel => 'Subscription'
}

# Send the request
result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v29.0.0
import { Client, CheckoutAPI, Types } from "@adyen/api-library";

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const amount: Types.checkout.Amount = {
  currency: "EUR",
  value: 1000
};

const sepaDirectDebitDetails: Types.checkout.SepaDirectDebitDetails = {
  storedPaymentMethodId: "7219687191761347",
  type: Types.checkout.SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
};

const paymentRequest: Types.checkout.PaymentRequest = {
  reference: "YOUR_ORDER_NUMBER",
  amount: amount,
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.Subscription,
  paymentMethod: sepaDirectDebitDetails,
  shopperInteraction: Types.checkout.PaymentRequest.ShopperInteractionEnum.ContAuth,
  shopperReference: "YOUR_SHOPPER_REFERENCE"
};

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### Make an unscheduled card-on-file payment

[Make an unscheduled card-on-file](/online-payments/tokenization/make-token-payments#make-a-subscription-or-unscheduled-card-on-file-payment) using the standard tokenization parameters. You do not need to include any additional parameters for SEPA Direct Debit.

**Make an unscheduled card-on-file payment with a SEPA token**

#### curl

```bash
curl https://checkout-test.adyen.com/v72/payments \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'content-type: application/json' \
-d '{
   "amount":{
      "value":1000,
      "currency":"EUR"
   },
   "paymentMethod":{
      "type":"sepadirectdebit",
      "storedPaymentMethodId":"7219687191761347"
   },
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
   "reference":"YOUR_ORDER_NUMBER",
   "shopperReference":"YOUR_SHOPPER_REFERENCE",
   "shopperInteraction":"ContAuth",
   "recurringProcessingModel": "UnscheduledCardOnFile"
}'
```

#### Java

```java
// Adyen Java API Library v39.3.0
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.checkout.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.model.RequestOptions;
import com.adyen.service.checkout.*;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
Client client = new Client("ADYEN_API_KEY", Environment.TEST);

// Create the request object(s)
Amount amount = new Amount()
  .currency("EUR")
  .value(1000L);

SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails()
  .storedPaymentMethodId("7219687191761347")
  .type(SepaDirectDebitDetails.TypeEnum.SEPADIRECTDEBIT);

PaymentRequest paymentRequest = new PaymentRequest()
  .reference("YOUR_ORDER_NUMBER")
  .amount(amount)
  .merchantAccount("YOUR_MERCHANT_ACCOUNT")
  .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.UNSCHEDULEDCARDONFILE)
  .paymentMethod(new CheckoutPaymentMethod(sepaDirectDebitDetails))
  .shopperInteraction(PaymentRequest.ShopperInteractionEnum.CONTAUTH)
  .shopperReference("YOUR_SHOPPER_REFERENCE");

// Send the request
PaymentsApi service = new PaymentsApi(client);
PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
```

#### PHP

```php
<?php
// Adyen PHP API Library v28.2.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\Checkout\Amount;
use Adyen\Model\Checkout\CheckoutPaymentMethod;
use Adyen\Model\Checkout\PaymentRequest;
use Adyen\Service\Checkout\PaymentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_API_KEY");
// For the LIVE environment, also include your liveEndpointUrlPrefix.
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$amount = new Amount();
$amount
  ->setCurrency("EUR")
  ->setValue(1000);

$checkoutPaymentMethod = new CheckoutPaymentMethod();
$checkoutPaymentMethod
  ->setStoredPaymentMethodId("7219687191761347")
  ->setType("sepadirectdebit");

$paymentRequest = new PaymentRequest();
$paymentRequest
  ->setReference("YOUR_ORDER_NUMBER")
  ->setAmount($amount)
  ->setMerchantAccount("YOUR_MERCHANT_ACCOUNT")
  ->setRecurringProcessingModel("UnscheduledCardOnFile")
  ->setPaymentMethod($checkoutPaymentMethod)
  ->setShopperInteraction("ContAuth")
  ->setShopperReference("YOUR_SHOPPER_REFERENCE");

$requestOptions['idempotencyKey'] = 'UUID';

// Send the request
$service = new PaymentsApi($client);
$response = $service->payments($paymentRequest, $requestOptions);
```

#### C\#

```cs
// Adyen .net API Library v32.1.1
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.Checkout;
using Adyen.Service.Checkout;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
var config = new Config()
{
    XApiKey = "ADYEN_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
Amount amount = new Amount
{
  Currency = "EUR",
  Value = 1000
};

SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails
{
  StoredPaymentMethodId = "7219687191761347",
  Type = SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
};

PaymentRequest paymentRequest = new PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.UnscheduledCardOnFile,
  PaymentMethod = new CheckoutPaymentMethod(sepaDirectDebitDetails),
  ShopperInteraction = PaymentRequest.ShopperInteractionEnum.ContAuth,
  ShopperReference = "YOUR_SHOPPER_REFERENCE"
};

// Send the request
var service = new PaymentsService(client);
var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v29.0.0
const { Client, CheckoutAPI } = require('@adyen/api-library');

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const paymentRequest = {
  amount: {
    value: 1000,
    currency: "EUR"
  },
  paymentMethod: {
    type: "sepadirectdebit",
    storedPaymentMethodId: "7219687191761347"
  },
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  reference: "YOUR_ORDER_NUMBER",
  shopperReference: "YOUR_SHOPPER_REFERENCE",
  shopperInteraction: "ContAuth",
  recurringProcessingModel: "UnscheduledCardOnFile"
}

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### Go

```go
// Adyen Go API Library v21.0.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v21/src/common"
  "github.com/adyen/adyen-go-api-library/v21/src/adyen"
  "github.com/adyen/adyen-go-api-library/v21/src/checkout"
)
// For the LIVE environment, also include your liveEndpointUrlPrefix.
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
amount := checkout.Amount{
  Currency: "EUR",
  Value: 1000,
}

sepaDirectDebitDetails := checkout.SepaDirectDebitDetails{
  StoredPaymentMethodId: common.PtrString("7219687191761347"),
  Type: common.PtrString("sepadirectdebit"),
}

paymentRequest := checkout.PaymentRequest{
  Reference: "YOUR_ORDER_NUMBER",
  Amount: amount,
  MerchantAccount: "YOUR_MERCHANT_ACCOUNT",
  RecurringProcessingModel: common.PtrString("UnscheduledCardOnFile"),
  PaymentMethod: checkout.SepaDirectDebitDetailsAsCheckoutPaymentMethod(&sepaDirectDebitDetails),
  ShopperInteraction: common.PtrString("ContAuth"),
  ShopperReference: common.PtrString("YOUR_SHOPPER_REFERENCE"),
}

// Send the request
service := client.Checkout()
req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v13.6.0
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_API_KEY"
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "paymentMethod": {
    "type": "sepadirectdebit",
    "storedPaymentMethodId": "7219687191761347"
  },
  "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
  "reference": "YOUR_ORDER_NUMBER",
  "shopperReference": "YOUR_SHOPPER_REFERENCE",
  "shopperInteraction": "ContAuth",
  "recurringProcessingModel": "UnscheduledCardOnFile"
}

# Send the request
result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
```

#### Ruby

```rb
# Adyen Ruby API Library v10.4.0
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_API_KEY'
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :amount => {
    :value => 1000,
    :currency => 'EUR'
  },
  :paymentMethod => {
    :type => 'sepadirectdebit',
    :storedPaymentMethodId => '7219687191761347'
  },
  :merchantAccount => 'YOUR_MERCHANT_ACCOUNT',
  :reference => 'YOUR_ORDER_NUMBER',
  :shopperReference => 'YOUR_SHOPPER_REFERENCE',
  :shopperInteraction => 'ContAuth',
  :recurringProcessingModel => 'UnscheduledCardOnFile'
}

# Send the request
result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v29.0.0
import { Client, CheckoutAPI, Types } from "@adyen/api-library";

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const amount: Types.checkout.Amount = {
  currency: "EUR",
  value: 1000
};

const sepaDirectDebitDetails: Types.checkout.SepaDirectDebitDetails = {
  storedPaymentMethodId: "7219687191761347",
  type: Types.checkout.SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
};

const paymentRequest: Types.checkout.PaymentRequest = {
  reference: "YOUR_ORDER_NUMBER",
  amount: amount,
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.UnscheduledCardOnFile,
  paymentMethod: sepaDirectDebitDetails,
  shopperInteraction: Types.checkout.PaymentRequest.ShopperInteractionEnum.ContAuth,
  shopperReference: "YOUR_SHOPPER_REFERENCE"
};

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### curl

```bash
curl https://checkout-test.adyen.com/v72/payments \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'content-type: application/json' \
-d '{
       "amount":{
          "value":1000,
          "currency":"EUR"
       },
       "paymentMethod":{
          "type":"sepadirectdebit",
          "storedPaymentMethodId":"7219687191761347"
       },
       "reference":"YOUR_ORDER_NUMBER",
       "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
       "shopperReference":"YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
       "shopperInteraction":"ContAuth",
       "recurringProcessingModel": "Subscription"
}'
```

#### Java

```java
// Adyen Java API Library v39.3.0
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.checkout.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.model.RequestOptions;
import com.adyen.service.checkout.*;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
Client client = new Client("ADYEN_API_KEY", Environment.TEST);

// Create the request object(s)
Amount amount = new Amount()
  .currency("EUR")
  .value(1000L);

SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails()
  .storedPaymentMethodId("7219687191761347")
  .type(SepaDirectDebitDetails.TypeEnum.SEPADIRECTDEBIT);

PaymentRequest paymentRequest = new PaymentRequest()
  .reference("YOUR_ORDER_NUMBER")
  .amount(amount)
  .merchantAccount("YOUR_MERCHANT_ACCOUNT")
  .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.SUBSCRIPTION)
  .paymentMethod(new CheckoutPaymentMethod(sepaDirectDebitDetails))
  .shopperInteraction(PaymentRequest.ShopperInteractionEnum.CONTAUTH)
  .shopperReference("YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j");

// Send the request
PaymentsApi service = new PaymentsApi(client);
PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
```

#### PHP

```php
<?php
// Adyen PHP API Library v28.2.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\Checkout\Amount;
use Adyen\Model\Checkout\CheckoutPaymentMethod;
use Adyen\Model\Checkout\PaymentRequest;
use Adyen\Service\Checkout\PaymentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_API_KEY");
// For the LIVE environment, also include your liveEndpointUrlPrefix.
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$amount = new Amount();
$amount
  ->setCurrency("EUR")
  ->setValue(1000);

$checkoutPaymentMethod = new CheckoutPaymentMethod();
$checkoutPaymentMethod
  ->setStoredPaymentMethodId("7219687191761347")
  ->setType("sepadirectdebit");

$paymentRequest = new PaymentRequest();
$paymentRequest
  ->setReference("YOUR_ORDER_NUMBER")
  ->setAmount($amount)
  ->setMerchantAccount("YOUR_MERCHANT_ACCOUNT")
  ->setRecurringProcessingModel("Subscription")
  ->setPaymentMethod($checkoutPaymentMethod)
  ->setShopperInteraction("ContAuth")
  ->setShopperReference("YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j");

$requestOptions['idempotencyKey'] = 'UUID';

// Send the request
$service = new PaymentsApi($client);
$response = $service->payments($paymentRequest, $requestOptions);
```

#### C\#

```cs
// Adyen .net API Library v32.1.1
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.Checkout;
using Adyen.Service.Checkout;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
var config = new Config()
{
    XApiKey = "ADYEN_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
Amount amount = new Amount
{
  Currency = "EUR",
  Value = 1000
};

SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails
{
  StoredPaymentMethodId = "7219687191761347",
  Type = SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
};

PaymentRequest paymentRequest = new PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.Subscription,
  PaymentMethod = new CheckoutPaymentMethod(sepaDirectDebitDetails),
  ShopperInteraction = PaymentRequest.ShopperInteractionEnum.ContAuth,
  ShopperReference = "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j"
};

// Send the request
var service = new PaymentsService(client);
var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v29.0.0
const { Client, CheckoutAPI } = require('@adyen/api-library');

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const paymentRequest = {
  amount: {
    value: 1000,
    currency: "EUR"
  },
  paymentMethod: {
    type: "sepadirectdebit",
    storedPaymentMethodId: "7219687191761347"
  },
  reference: "YOUR_ORDER_NUMBER",
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  shopperReference: "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
  shopperInteraction: "ContAuth",
  recurringProcessingModel: "Subscription"
}

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### Go

```go
// Adyen Go API Library v21.0.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v21/src/common"
  "github.com/adyen/adyen-go-api-library/v21/src/adyen"
  "github.com/adyen/adyen-go-api-library/v21/src/checkout"
)
// For the LIVE environment, also include your liveEndpointUrlPrefix.
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
amount := checkout.Amount{
  Currency: "EUR",
  Value: 1000,
}

sepaDirectDebitDetails := checkout.SepaDirectDebitDetails{
  StoredPaymentMethodId: common.PtrString("7219687191761347"),
  Type: common.PtrString("sepadirectdebit"),
}

paymentRequest := checkout.PaymentRequest{
  Reference: "YOUR_ORDER_NUMBER",
  Amount: amount,
  MerchantAccount: "YOUR_MERCHANT_ACCOUNT",
  RecurringProcessingModel: common.PtrString("Subscription"),
  PaymentMethod: checkout.SepaDirectDebitDetailsAsCheckoutPaymentMethod(&sepaDirectDebitDetails),
  ShopperInteraction: common.PtrString("ContAuth"),
  ShopperReference: common.PtrString("YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j"),
}

// Send the request
service := client.Checkout()
req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v13.6.0
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_API_KEY"
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "paymentMethod": {
    "type": "sepadirectdebit",
    "storedPaymentMethodId": "7219687191761347"
  },
  "reference": "YOUR_ORDER_NUMBER",
  "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
  "shopperReference": "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
  "shopperInteraction": "ContAuth",
  "recurringProcessingModel": "Subscription"
}

# Send the request
result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
```

#### Ruby

```rb
# Adyen Ruby API Library v10.4.0
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_API_KEY'
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :amount => {
    :value => 1000,
    :currency => 'EUR'
  },
  :paymentMethod => {
    :type => 'sepadirectdebit',
    :storedPaymentMethodId => '7219687191761347'
  },
  :reference => 'YOUR_ORDER_NUMBER',
  :merchantAccount => 'YOUR_MERCHANT_ACCOUNT',
  :shopperReference => 'YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j',
  :shopperInteraction => 'ContAuth',
  :recurringProcessingModel => 'Subscription'
}

# Send the request
result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v29.0.0
import { Client, CheckoutAPI, Types } from "@adyen/api-library";

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const amount: Types.checkout.Amount = {
  currency: "EUR",
  value: 1000
};

const sepaDirectDebitDetails: Types.checkout.SepaDirectDebitDetails = {
  storedPaymentMethodId: "7219687191761347",
  type: Types.checkout.SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
};

const paymentRequest: Types.checkout.PaymentRequest = {
  reference: "YOUR_ORDER_NUMBER",
  amount: amount,
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.Subscription,
  paymentMethod: sepaDirectDebitDetails,
  shopperInteraction: Types.checkout.PaymentRequest.ShopperInteractionEnum.ContAuth,
  shopperReference: "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j"
};

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

If the payment was successfully received the response will contain a **Received** `resultCode` and a `pspReference`, which is our unique identifier for this transaction. You can track whether the payment was successful using webhooks.

## Test and go live

We recommend that you test various scenarios, such as approved payments, authentication errors, and payments cancelled by the shopper. See the [Tink documentation](https://docs.tink.com/resources/payments/one-time-payments/test-different-one-time-payment-scenarios#demo-bank) for screenshots that can help you navigate the flow. You can check the status of test payments in your [Customer Area](https://ca-test.adyen.com/) > **Transactions** > **Payments**.

Before you can accept live Pay by Bank (Europe) payments, you need to [add Pay by Bank (Europe) in your live Customer Area](/payment-methods/add-payment-methods/).

### Test credentials

Use the relevant test credentials and test issuer IDs, where available.

#### UK

For the UK, where you can show the issuer list in the payment form, use the following test issuer IDs:

| Bank name      | Issuer ID                                    |
| -------------- | -------------------------------------------- |
| Tink Demo Bank | **uk-demobank-open-banking-handoff**         |
| Tink Demo Bank | **uk-demobank-open-banking-redirect**        |
| Tink Demo Bank | **uk-demobank-open-banking-redirect-aispis** |

When you send a test payment and are redirected to our open banking partner Tink, log in with the following test credentials for the UK:

| Scenario             | Username  | Password |
| -------------------- | --------- | -------- |
| Approved             | u83646180 | rlf446   |
| Authentication error | u92721594 | nbs589   |
| Temporary error      | u91902655 | jtx720   |

For an Approved test scenario, you will see two checking accounts. Select the first checking account (ending in 285) for payment amounts greater than GBP 150, or the second checking account (ending in 327) for amounts less than GBP 150.

#### Germany

When you send a test payment and are redirected to our open banking partner Tink, log in with the following test credentials for Germany:

| Scenario             | Username  | Password |
| -------------------- | --------- | -------- |
| Approved             | u83188312 | zhx571   |
| Authentication error | u92721594 | nbs589   |
| Temporary error      | u91902655 | jtx720   |

#### France

When you send a test payment and are redirected to our open banking partner Tink, log in with the following test credentials for France:

| Scenario             | Username  | Password |
| -------------------- | --------- | -------- |
| Approved             | u77894411 | mzw990   |
| Authentication error | u92721594 | nbs589   |
| Temporary error      | u91902655 | jtx720   |

#### Finland

When you send a test payment and are redirected to our open banking partner Tink, log in with the following test credentials for Finland:

| Scenario             | Username  | Password |
| -------------------- | --------- | -------- |
| Approved             | u06516046 | kam413   |
| Authentication error | u92721594 | nbs589   |
| Temporary error      | u91902655 | jtx720   |

## See also

* [API-only integration guide](/online-payments/build-your-integration/advanced-flow?platform=Web\&integration=API%20only)
* [Webhooks](/development-resources/webhooks)
* [Tokenization for recurring payments](/online-payments/tokenization)
* [API Explorer](https://docs.adyen.com/api-explorer/#/CheckoutService/latest/overview)