---
title: "SEPA Direct Debit for API only"
description: "Add SEPA Direct Debit to your API-only integration."
url: "https://docs.adyen.com/payment-methods/sepa-direct-debit/api-only"
source_url: "https://docs.adyen.com/payment-methods/sepa-direct-debit/api-only.md"
canonical: "https://docs.adyen.com/payment-methods/sepa-direct-debit/api-only"
last_modified: "2026-05-25T12:55:01+02:00"
language: "en"
---

# SEPA Direct Debit for API only

Add SEPA Direct Debit to your API-only integration.

[View source](/payment-methods/sepa-direct-debit/api-only.md)

You can add SEPA Direct Debit to your existing integration. The following instructions show only what you must add to your integration specifically for SEPA Direct Debit.

If an instruction on this page corresponds with a step in the main integration guide, it includes a link to corresponding step of the main integration guide.

## Requirements

| Requirement          | Description                                                                                                                                                                                                                     |   |
| -------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | - |
| **Integration type** | Make sure that you have an existing [API-only integration](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only).                                                                        |   |
| **Action handling**  | Make sure that your existing integration is set up to [handle the additional action](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only#additional-action). `action.type`: **direct**. |   |
| **Setup steps**      | Before you begin, [add SEPA Direct Debit in your Customer Area](/payment-methods/add-payment-methods).                                                                                                                          |   |

## How it works

1. The shopper selects SEPA Direct Debit as the payment method.
2. The shopper enters their details in the [payment form that you build](#build-your-payment-form).
3. When you make the payment request, you [include additional information about the items that the shopper intends to purchase](#additional-parameters-payments).
4. If you do not use automatic capture, you must [capture the payment](#capture-the-payment).

## Build your payment form

1. Include SEPA Direct Debit in the list of available payment methods.

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. Klaassen"        |
   | The IBAN of the bank account.      | "NL98ABNA0410108103" |

You can [download the logo for SEPA Direct Debit](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%2Bonly\&version=71#downloading-logos) to use in your form.

## Get SEPA Direct Debit as an available payment method

When you make the [/paymentMethods](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods) to [get available payment methods](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only#get-available-payment-methods), specify the following so that SEPA Direct Debit is included in the response.

| Parameter                                                                                                          | Values                                                                                                                                                 |
| ------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [countryCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods#request-countryCode)         | **AT**, **BE**, **CY**, **EE**, **FI**, **FR**, **DE**, **GR**, **IE**, **IT**, **LV**, **LT**, **LU**, **MT**, **NL**, **PT**, **SK**, **SI**, **ES** |
| [amount.currency](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods#request-amount-currency) | **EUR**                                                                                                                                                |

**Example request for available payment methods**

```bash
curl https://checkout-test.adyen.com/v72/paymentMethods \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'idempotency-key: YOUR_IDEMPOTENCY_KEY' \
-H 'content-type: application/json' \
-X POST
-d '{
   "merchantAccount": "ADYEN_MERCHANT_ACCOUNT",
   "countryCode": "NL",
   "amount": {
      "currency": "EUR",
	  "value": 1000
   },
   "shopperLocale": "nl-NL"
}'
```

**Example response with SEPA Direct Debit available**

```json
{
    "paymentMethods": [
        {
            "name": "SEPA Direct Debit",
            "type": "sepadirectdebit"
        }
    ]
}
```

## Add additional parameters to your /payments request

When you [make a payment](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only#make-a-payment), add the following parameters:

The billing address is required if the country IBAN is from any of the following non-EEA SEPA countries or territory.

| Parameter                                                                                                                             | Required                                                                                    | Description                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| ------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `paymentMethod.sepa.ownerName`                                                                                                        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The name on the SEPA bank account.                                                                                                                                                                                                                                                                                                                                                                                                                 |
| `paymentMethod.sepa.ibanNumber`                                                                                                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The IBAN of the bank account. Make sure that you do not encrypt this value.                                                                                                                                                                                                                                                                                                                                                                        |
| `billingAddress.street` `billingAddress.houseNumberOrName` `billingAddress.postalCode` `billingAddress.city` `billingAddress.country` |                                                                                             | The billing address is required if the country IBAN is from any of the following non-EEA SEPA countries or territories: **Non-EEA SEPA countries (11)** Albania (AL) Andorra (AD) Moldova (MD) Monaco (MC) Montenegro (ME) North Macedonia (MK) San Marino (SM) Serbia (RS) Switzerland (CH) United Kingdom (GB) Vatican City State (VA) **Non-EEA SEPA territories (4)** Guernsey (GG) Isle of Man(IM) Jersey (JE) Saint Pierre and Miquelon (PM) |

**Example payment request for SEPA Direct Debit**

```bash
curl https://checkout-test.adyen.com/v72/payments \
-H 'x-API-key: ADYEN_API_KEY' \
-H 'idempotency-key: YOUR_IDEMPOTENCY_KEY' \
-H 'content-type: application/json' \
-X POST
-d '{
  "amount":{
    "currency":"EUR",
    "value":1000
  },
  "reference":"YOUR_ORDER_NUMBER",
  "returnUrl":"https://your-company.com/checkout?shopperOrder=12xy..",
  "merchantAccount":"ADYEN_MERCHANT_ACCOUNT",
  "paymentMethod":{
    "type":"sepadirectdebit",
    "sepa.ownerName":"A. Klaassen",
    "sepa.ibanNumber":"NL98ABNA0410108103"
  }
}'
```

**Example response for a successful payment**

```json
{
    "pspReference": "881572960484022G",
    "resultCode": "Received",
    "merchantReference": "YOUR_ORDER_NUMBER"
}
```

## Capture the payment

If you do not use automatic capture, you must capture the payment in one of the following ways:

* Use [delayed automatic capture](/online-payments/capture/#delayed-automatic-capture). This means that the payment is captured automatically after a delay that you can set yourself.
* [Manually capture](/online-payments/capture/#manual-capture) the payment by making a [/payments/{paymentPspReference}/captures](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/captures) request.

SEPA Direct Debit authorizations do not expire, so you can capture a payment any time after it is authorized.

Contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to enable multiple partial captures for SEPA Direct Debit.

## Recurring payments

SEPA Direct Debit supports [tokenization](/online-payments/tokenization) for [subscription](/get-started-with-adyen/adyen-glossary/#subscriptions), and [unscheduled card-on-file](/get-started-with-adyen/adyen-glossary#unscheduled-card-on-file-ucof) payments. Refer to [Create tokens](/online-payments/tokenization/create-tokens/) to integrate with our tokenization feature.

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.

#### 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",
      "sepa.ownerName":"A. Klaassen",
      "sepa.ibanNumber":"NL98ABNA0410108103"
   },
   "reference":"YOUR_ORDER_NUMBER",
   "merchantAccount":"ADYEN_MERCHANT_ACCOUNT",
   "shopperReference":"YOUR_SHOPPER_REFERENCE",
   "shopperInteraction":"Ecommerce",
   "recurringProcessingModel": "Subscription"
}'
```

#### Java

```java
// Adyen Java API Library v41.0.0
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()
  .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 v29.0.0
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, 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
  ->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 v33.0.0
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
{
  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 v30.1.0
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"
  },
  countryCode: "NL",
  paymentMethod: {
    type: "sepadirectdebit",
    "sepa.ownerName": "A. Klaassen",
    "sepa.ibanNumber": "NL98ABNA0410108103"
  },
  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{
  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",
    "sepa.ownerName": "A. Klaassen",
    "sepa.ibanNumber": "NL98ABNA0410108103"
  },
  "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',
    :sepa.ownerName => 'A. Klaassen',
    :sepa.ibanNumber => 'NL98ABNA0410108103'
  },
  :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 v30.1.0
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 = {
  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.

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 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 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 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" });
```

## Test and go live

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

| Account Name | IBAN                        | Country/region |
| ------------ | --------------------------- | -------------- |
| A. Klaassen  | NL98ABNA0410108103          | NL             |
| W. Hurth     | AT141953000016243818        | AT             |
| A. Grand     | FR7618206000103056966400117 | FR             |

You can check the status of SEPA test payments in your [Customer Area](https://ca-test.adyen.com/) > **Transactions** > **Payments**.

Before you can accept live SEPA Direct Debit payments, you need to [submit a request for SEPA Direct Debit](/payment-methods/add-payment-methods) in your [live Customer Area](https://ca-live.adyen.com/).

## See also

* [API-only integration guide](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only)