---
title: "Pay by Bank (Europe) Drop-in integration"
description: "Add Pay by Bank (Europe) to an existing Drop-in integration."
url: "https://docs.adyen.com/payment-methods/pay-by-bank-europe/web-drop-in"
source_url: "https://docs.adyen.com/payment-methods/pay-by-bank-europe/web-drop-in.md"
canonical: "https://docs.adyen.com/payment-methods/pay-by-bank-europe/web-drop-in"
last_modified: "2026-05-08T17:09:18+02:00"
language: "en"
---

# Pay by Bank (Europe) Drop-in integration

Add Pay by Bank (Europe) to an existing Drop-in integration.

This page explains how to add Pay by Bank (Europe) to your existing Web Drop-in integration.

## Requirements

Select the [server-side flow](/online-payments/build-your-integration) that your integration uses:

### Tab: Sessions flow

| Requirement          | Description                                                                                                                                                                                               |
| -------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Integration type** | Make sure that you have built a Sessions flow [Web Drop-in integration](/online-payments/build-your-integration/sessions-flow?platform=Web\&integration=Drop-in). The minimum required version is 5.70.0. |
| **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.                                       |

### Tab: Advanced flow

| Requirement          | Description                                                                                                                                                                                                |
| -------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Integration type** | Make sure that you have built an Advanced flow [Web Drop-in integration](/online-payments/build-your-integration/advanced-flow?platform=Web\&integration=Drop-in). The minimum required version is 5.70.0. |
| **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.                                        |

## Import resources for v6

If you are using Web Drop-in v6, import the resources you need for Pay by Bank (Europe):

```js
import { AdyenCheckout, PayByBank} from '@adyen/adyen-web'
```

## API reference

Select which endpoint you are using:

### Tab: `/sessions`

This is the default with [Drop-in v5.0.0](/online-payments/build-your-integration/sessions-flow?platform=Web\&integration=Drop-in) or later.

| Parameter name                                                                                     | Required                                                                                    | Description                                                                                                                                                                                                                                         |
| -------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [`countryCode`](https://docs.adyen.com/api-explorer/Checkout/71/post/sessions#request-countryCode) | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The shopper's country/region. This is used to filter the list of available payment methods to your shopper. Format: the two-letter [ISO-3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) country code. Exception: **QZ** (Kosovo). |

### Tab: `/payments`

If you implemented an [additional use case](/online-payments/build-your-integration).

| Parameter name                                                                                       | Required                                                                                    | Description                                                                                                                                                                                                                                         |
| ---------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [countryCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-countryCode) | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The shopper's country/region. This is used to filter the list of available payment methods to your shopper. Format: the two-letter [ISO-3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) country code. Exception: **QZ** (Kosovo). |

## Drop-in configuration

### Optional configuration

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, you can use the following optional configuration to show the list of issuing banks:

| Parameter name       | Description                                                                                                                                                                        | Default                                |
| -------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------- |
| `showImage`          | Set to **false** to remove the bank logos from the Pay by Bank form.                                                                                                               | **true**                               |
| `issuer`             | Set to an [issuer ID](#issuer-ids) to preselect a specific bank.                                                                                                                   | No bank is preselected.                |
| `highlightedIssuers` | Set to the [issuer IDs](#issuer-ids) for banks you want to show on top of the dropdown menu. Added in [v5.1.0](/online-payments/release-notes?integration_type=web\&version=5.1.0) | All issuers are shown in the dropdown. |
| `placeholder`        | The string you want to show as the dropdown menu text. Custom translation configuration overrides this value.                                                                      | **Select your bank**                   |

If you want to add optional configuration, include this in a configuration object. The following example shows how to configure Drop-in to remove the bank logos, and preselect Bank of Scotland:

```js
const openBankingConfiguration = {
  showImage: false, // Optional. Set to **false** to remove the bank logos from the Pay by Bank form.
  issuer: "uk-bankofscotland-oauth2" // Optional. Set this to an **id** of an open banking issuer to preselect it.
};
```

Include the `openBankingConfiguration` object when [creating a configuration object for Drop-in](/online-payments/build-your-integration/sessions-flow?platform=Web\&integration=Drop-in#create-instance):

**AdyenCheckout configuration**

```js
const dropinConfiguration = {
  // ...  other required configuration
  paymentMethodsConfiguration: {
    paybybank: openBankingConfiguration
  }
};
```

Pass the Drop-in configuration object when you mount the instance of Drop-in:

**Pass the Drop-in configuration object**

```js
// Create an instance of AdyenCheckout.
const checkout = await AdyenCheckout(checkoutConfiguration);

// Pass the Drop-in configuration object that you created.
const dropin = new Dropin(checkout, dropinConfiguration).mount(#openBanking-container)
```

### List of issuer IDs

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**               |

## 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 v32.1.2
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 v30.0.0
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 v40.0.0
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, 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 v30.0.0
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

* [Web Drop-in integration guide](/online-payments/drop-in-web)
* [Webhooks](/development-resources/webhooks)
* [Tokenization for recurring payments](/online-payments/tokenization)
* [API Explorer](https://docs.adyen.com/api-explorer/#/CheckoutService/latest/overview)