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SEPA Direct Debit for API only

Add SEPA Direct Debit to an existing API-only integration.

Accept SEPA Direct Debit payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

Before you begin

These instructions explain how to add SEPA to your existing API-only integration. The API-only integration works the same way for all payment methods. If you haven't done this integration yet, refer to our API-only integration guide.

Before starting your SEPA integration:

  1. Make sure that you have set up your back end implementation.
  2. Contact our Support Team, and ask them to add SEPA Direct Debit to your account.

Build your payment form for SEPA Direct Debit

To show SEPA Direct Debit in your payment form, you need to:

  1. Show a list of available payment methods to your shopper and include SEPA in the list.
  2. After the shopper selects SEPA, render the input fields for SEPA to collect their issuer selection. You'll need this to make a payment.

    Payment details Example
    The name on the SEPA bank account. "A Schneider"
    The IBAN of the bank account. "DE87123456781234567890"

We provide logo for SEPA Direct Debit, which you can use on your payment form. For more information, refer to Downloading logos.

Make a payment

In your /payments request, specify:

  • paymentMethod.type: sepadirectdebit
  • paymentMethod.sepa.ownerName: The name on the SEPA bank account.
  • paymentMethod.sepa.ibanNumber: The IBAN of the bank account. Make sure you do not encrypt this value.
  • reference: Your unique reference for this payment.
curl \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
    "sepa.ownerName":"A. Schneider",
# Set your X-API-KEY with the API key from the Customer Area.
adyen =
adyen.api_key = "YOUR_X-API-KEY"
response = adyen.checkout.payments({
  :amount => {
    :currency => "EUR",
    :value => 1000
  :reference => "YOUR_ORDER_NUMBER",
  :paymentMethod => {
    :type => "sepadirectdebit",
    :sepa.ownerName => "A. Schneider",
    :sepa.ibanNumber => "DE87123456781234567890"
  :merchantAccount => "YOUR_MERCHANT_ACCOUNT"
// Set YOUR_X-API-KEY with the API key from the Customer Area.
// Change to Environment.LIVE and add the Live URL prefix when you're ready to accept live payments.
    Client client = new Client("YOUR_X-API-KEY", Environment.TEST);
            Checkout checkout = new Checkout(client);

            PaymentsRequest paymentsRequest = new PaymentsRequest();

            String merchantAccount = "YOUR_MERCHANT_ACCOUNT";

            Amount amount = new Amount();

            DefaultPaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
            paymentMethodDetails.setSepaOwnerName("A. Schneider");


            PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
$client = new \Adyen\Client();
$service = new \Adyen\Service\Checkout($client);

$params = array(
  "amount" => array(
    "currency" => "EUR",
    "value" => 1000
  "reference" => "YOUR_ORDER_NUMBER",
  "paymentMethod" => array(
    "type" => "sepadirectdebit",
    "sepa.ownerName" => "A. Schneider",
    "sepa.ibanNumber" => "DE87123456781234567890"
  "merchantAccount" => "YOUR_MERCHANT_ACCOUNT"
$result = $service->payments($params);
#Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen.Adyen()
adyen.client.xapikey = 'YOUR_X-API-KEY'

result = adyen.checkout.payments({
   'amount': {
      'value': 1000,
      'currency': 'EUR'
   'reference': 'YOUR_ORDER_NUMBER',
   'paymentMethod': {
      'type': 'sepadirectdebit',
      'sepa.ownerName': 'A. Schneider',
      'sepa.ibanNumber': 'DE87123456781234567890'
   'merchantAccount': 'YOUR_MERCHANT_ACCOUNT'
// Set your X-API-KEY with the API key from the Customer Area.
var client = new Client ("YOUR_X-API-KEY", Environment.Test);
var checkout = new Checkout(client);

var amount = new Model.Checkout.Amount("EUR", 1000);
var details = new Model.Checkout.DefaultPaymentMethodDetails{
  Type = "sepadirectdebit",
  Sepa.OwnerName = "A. Schneider",
  Sepa.IbanNumber = "DE87123456781234567890"
var paymentRequest = new Adyen.Model.Checkout.PaymentRequest
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  PaymentMethod = details

var paymentResponse = checkout.Payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
const config = new Config();
// Set your X-API-KEY with the API key from the Customer Area.
config.apiKey = '[API_KEY]';
config.merchantAccount = '[YOUR_MERCHANT_ACCOUNT]';
const client = new Client({ config });
const checkout = new CheckoutAPI(client);
    amount: { currency: "EUR", value: 1000 },
    paymentMethod: {
        type: 'sepadirectdebit',
        sepa.ownerName: 'A. Schneider',
        sepa.ibanNumber: 'DE87123456781234567890'
    reference: "YOUR_ORDER_NUMBER",
    merchantAccount: config.merchantAccount
}).then(res => res);

The /payments response contains:

  • resultCode: Received
  • pspReference: Adyen's unique reference number for the payment.
/payments response
    "pspReference": "881572960484022G",
    "resultCode": "Received",
    "merchantReference": "YOUR_ORDER_NUMBER"

Present the payment result

Use the resultCode that you received in the /payments response to present the payment result to your shopper.

The resultCode values you can receive for SEPA Direct Debit are:

resultCode Description Action to take
Received The payment was successfully received. You will receive a AUTHORISATION notification when the status of the payment has been updated. If successful, you will receive the funds in 2 days.
Authorised The payment was successfully completed. Inform the shopper that the payment was successful.

Recurring payments

If you have a recurring or subscription business model we recommend tokenizing the shopper's payment details. When you create a shopper token from a SEPA payment, we store their payment details with the token. The token can be used to make recurring payments for the shopper.

You can create a shopper token and then make subsequent recurring payments with the token using the /payments endpoint.

We strongly recommend that you request explicit permission from the shopper if you intend to make recurring SEPA payments. Being transparent about the payment schedule and the amount they will be charged will reduce the risk of chargebacks.

Create shopper token

Tokenize the shopper's payment details when you make the initial SEPA payment.

  1. When you call /payments to make a payment, additionally include:
    • shopperReference: Your unique ID for this shopper.
    • storePaymentMethodtrue
  2. When you receive the response (or the notification) that the payment was authorised, note the recurringDetailReference or the storedPaymentMethodId. This is the token you will need to make recurring payments for this shopper.

Make recurring payment

For each recurring payment for this shopper, make a SEPA payment with a /payments call, and additionally include:

  • recurringDetailReference or storedPaymentMethodId for API v49 and above. This is the recurringDetailReference returned in the response when you created the token. This holds the token you received back in the initial payment.
  • shopperReference: The shopper ID you provided when created the shopper token.
  • shopperInteractionContAuth.
   "reference":"Your Reference Here",

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 notifications.


If a shopper for some reason wants the funds from a payment returned, they can ask their bank for a refund. This is referred to as a chargeback.
For SEPA, the chargeback process gives significant consumer rights to the shopper. They have:

  • Eight weeks to dispute a SEPA payment without providing a reason.
  • Thirteen months to dispute an unauthorised or incorrect SEPA payment when they provide evidence to their bank.
You cannot defend against SEPA chargebacks. These will always result in the shopper receiving a refund.

A SEPA chargeback notification can indicate that:

  • The shopper disputed the charge.
  • There were insufficient funds in the shopper's bank account.

A chargeback notification contains:

  • pspReference: Adyen's unique reference associated with the payment request.
  • eventCode: CHARGEBACK.
  • reason: Reason for the chargeback.
  • success: true.

Here is an example of a notification that indicates a SEPA chargeback because there were insufficient funds in the shopper's bank account.


        "reason":"Insufficient funds",

For more information on the chargeback process, refer to Dispute management.

Test and go live

Before making live SEPA payments, use the following Account Names and IBANs to test your integration.

Account NameIBANCountry
A. KlaassenNL13TEST0123456789NL
B. KlaassenNL36TEST0236169114NL
C. KlaassenNL26TEST0336169116NL
D. KlaassenNL16TEST0436169118NL
E. KlaassenNL81TEST0536169128NL
F. KlaassenNL27TEST0636169146NL
G. KlaassenNL39TEST0736169237NL
H. KlaassenNL82TEST0836169255NL
I. KlaassenNL72TEST0936169257NL
J. KlaassenNL46TEST0136169112NL
K. KlaassenNL70TEST0736160337NL
L. KlaassenNL18TEST0736162437NL
M. KlaassenNL92TEST0736163433NL
A. SchneiderDE87123456781234567890DE
B. SchneiderDE92123456789876543210DE
C. SchneiderDE14123456780023456789DE
D. SchneiderDE36444488881234567890DE
E. SchneiderDE41444488889876543210DE
F. SchneiderDE60444488880023456789DE
G. SchneiderDE89888888881234567890DE
H. SchneiderDE94888888889876543210DE
I. SchneiderDE16888888880023456789DE
A. PaciniIT60X0542811101000000123456IT
A. GrandFR1420041010050500013M02606FR
A. MartinES9121000418450200051332ES
W. HurthAT151234512345678901AT
H. GasserCH4912345123456789012CH
R. PaulsenDK8612341234567890DK
B. DalbyNO6012341234561NO
A. BakPL20123123411234567890123456PL
A. AnderssonSE9412312345678901234561SE

You can check the status of SEPA test payments in your Customer Area > Transactions > Payments.

Before you can accept live SEPA Direct Debit payments, you need to submit a request for SEPA Direct Debit in your live Customer Area.

See also