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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

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.

The /payments response contains:

  • resultCode: Received
  • pspReference: Adyen's unique reference number for the payment.

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 webhook 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.
Error There was an error when the payment was being processed. For more information, check the resultCode field. Inform the shopper that there was an error processing their payment.
Refused There was an error when the payment was being processed. For more information, check the  resultCode field. Ask the shopper to try the payment again using a different payment method.

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.

Create shopper token

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 charged amount reduces the risk of chargebacks.

To create a token, include in your /payments request:

  • amount: The transaction must have a minimum value of EUR 0.01.
  • storePaymentMethod: true
  • shopperReference: your unique identifier for the shopper (minimum length three characters). Do not include personally identifiable information (PII), such as name or email address.
  • recurringProcessingModel: Subscription or UnscheduledCardOnFile

    From Checkout v70, recurringProcessingModel is a required parameter when creating or using a token.

When the payment is settled, you receive a RECURRING_CONTRACT webhook containing:

  • eventCode: RECURRING_CONTRACT
  • originalReference: The pspReference of the initial payment.
  • pspReference: This is the token that you need to make recurring payments for this shopper.

Make sure that your server is able to receive RECURRING_CONTRACT as part of your standard webhooks. You can enable the RECURRING_CONTRACT event code in the webhook settings page.

Make recurring payment

For each recurring payment for this shopper, make a SEPA payment to the /payments endpoint, specifying:

For more information about the shopperInteraction and recurringProcessingModel fields, refer to Tokenization.

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.

Chargebacks

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 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.
  • The bank account was inactive.
  • Direct debit is blocked on this bank account, either in general or for this creditor specifically.
  • There was a technical error.

For a list of detailed SEPA chargeback reasons and reason codes, see Dispute reason codes.

A chargeback webhook 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 webhook that indicates a SEPA chargeback because there were insufficient funds in the shopper's bank account.

{
   "live":"false",
   "notificationItems":[
      {
         "NotificationRequestItem":{
            "additionalData":{
               "chargebackReasonCode":"AM04",
               "modificationMerchantReferences":"",
               "chargebackSchemeCode":"sepadirectdebit",
               "defensePeriodEndsAt":"2021-05-06T22:09:50+02:00",
               "defendable":"false",
               "disputeStatus":"Lost"
            },
            "amount":{
               "currency":"EUR",
               "value":1000
            },
            "eventCode":"CHARGEBACK",
            "eventDate":"2021-05-06T22:09:50+02:00",
            "merchantAccountCode":"YOUR_MERCHANT_ACCOUNT",
            "merchantReference":"YOUR_REFERENCE",
            "originalReference":"9913333333333333",
            "paymentMethod":"sepadirectdebit",
            "pspReference":"9915555555555555",
            "reason":"AM04:InsufficientFunds",
            "success":"true"
         }
      }
   ]
}

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/region

A. Klaassen

NL13TEST0123456789

NL

B. Klaassen

NL36TEST0236169114

NL

C. Klaassen

NL26TEST0336169116

NL

D. Klaassen

NL16TEST0436169118

NL

E. Klaassen

NL81TEST0536169128

NL

F. Klaassen

NL27TEST0636169146

NL

G. Klaassen

NL39TEST0736169237

NL

H. Klaassen

NL82TEST0836169255

NL

I. Klaassen

NL72TEST0936169257

NL

J. Klaassen

NL46TEST0136169112

NL

K. Klaassen

NL70TEST0736160337

NL

L. Klaassen

NL18TEST0736162437

NL

M. Klaassen

NL92TEST0736163433

NL

A. Schneider

DE87123456781234567890

DE

B. Schneider

DE92123456789876543210

DE

C. Schneider

DE14123456780023456789

DE

D. Schneider

DE36444488881234567890

DE

E. Schneider

DE41444488889876543210

DE

F. Schneider

DE60444488880023456789

DE

G. Schneider

DE89888888881234567890

DE

H. Schneider

DE94888888889876543210

DE

I. Schneider

DE16888888880023456789

DE

A. Pacini

IT60X0542811101000000123456

IT

A. Grand

FR1420041010050500013M02606

FR

A. Martin

ES9121000418450200051332

ES

W. Hurth

AT151234512345678901

AT

H. Gasser

CH4912345123456789012

CH

R. Paulsen

DK8612341234567890

DK

B. Dalby

NO6012341234561

NO

A. Bak

PL20123123411234567890123456

PL

A. Andersson

SE9412312345678901234561

SE

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