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Authorisation for an IBAN payment

Mandatory sub-lines

The PaymentDetails and IBAN sub-lines described below are mandatory when submitting a bank transfer or a SEPA Direct Debit (DD) payment authorisation request.

PaymentDetails

This sub-line specifies transaction amount and customer details.

Optional fields: if you do not populate one or more non-mandatory fields and leave them blank, you need in any case to insert delimiting commas because the Adyen payments platform expects a preset, fixed number of fields per line/sub-line.

Field #

Format

Required

Description

1

Fixed value: SL

-white_check_mark-

Record type identifier

2

Numeric

-white_check_mark-

SL sub-line record number reference within its parent line.The counter starts at 1, and it increments sequentially by one unit.

3

Fixed value: PaymentDetails

-white_check_mark-

Transaction type.
Defines the required field types for the specific sub-line.

4

Numeric

-white_check_mark-

Amount.

5

Numeric

-white_check_mark-

The currency exponent.

6

Alphabetic

-white_check_mark-

The three-character ISO currency code.

7

Alphanumeric

-x-

A shopper's reference, which is the unique identifier for a shopper.

Required element for recurring payments and to create recurring contracts.

8

Email address

-x-

The shopper's email address.

9

Alphanumeric

-x-

Shopper statement.
The soft descriptor for the transaction.

10

IP address

-x-

The IP address the shopper used to carry out the transaction.

11

Numeric

-x-

Fraud offset.
The value to be applied to offset the calculated risk score.
It can be either a positive or a negative value.

IBAN

  • This sub-line holds information about bank transfer or SEPA Direct Debit (DD) payments carried out using the shopper's IBAN details.
  • In an authorization request for IBAN payments, the IBAN sub-line needs to be submitted as sub-line 2.
Field # Format Required Description
1 Fixed value: SL -white_check_mark- Record type identifier
2 Numeric -white_check_mark- SL sub-line record number reference within its parent line.The counter starts at 1, and it increments sequentially by one unit.
3 Fixed value: IBAN -white_check_mark- Transaction type.
Defines the required field types for the specific sub-line.
4 Alphanumeric
Cannot be only numbers. Minimum three characters.
-white_check_mark- Bank account owner name.
If provided details don't match the required format, the response returns the error message: 203 'Invalid bank account holder name'.
5 Alphabetic -white_check_mark- Two-letter country code.
The country value format needs to adhere to the ISO 3166-1 alpha-2 standard. An invalid country code results in a transaction/request rejection. You can look up country codes on the ISO website.
6 Alphanumeric -white_check_mark- IBAN code.
7 Alphanumeric -x- BIC code.
FH,1.0,TEST,Company,TestCompany,Default,2,ws@Company.TestCompany,Authorisation,FileHeaderEchoData
BH,1,BlockHeaderEchoData
L,1,MerchantAccount,TestMerchant,Authorisation,Test Product 6,
SL,1,PaymentDetails,100,2,SEK,,,,,
SL,2,IBAN,A. Klaassen,NL,NL13TEST0123456789,
BT,1
FT,1

Optional sub-lines

The  Address , and MerchantOrderReference sub-lines described below can be optionally included in the payment request. 

Address

You can use the Address sub-line to include information about the shopper's billing and delivery addresses.
You need to specify billing and deliver addresses on separate Address sub-lines:

  • One Address sub-line containing the billing address information;
  • One Address sub-line containing the delivery address information.

Field #

Format

Required

Description

1

Fixed value: SL

-white_check_mark-

Record type identifier

2

Numeric

-white_check_mark-

SL sub-line record number reference within its parent line.
The counter starts at 1, and it increments sequentially by one unit.

3

Fixed value: Address

-white_check_mark-

Transaction type.
Defines the required field types for the specific sub-line.

4

Allowed values:

  • Billing
  • Delivery

-white_check_mark-

The type of address that is being submitted: either a billing or a delivery address.

5

Alphanumeric

-white_check_mark-

Street address.

6

Alphanumeric

-white_check_mark-

House number or name.

7

Alphanumeric

-white_check_mark-

City.

8

Alphanumeric

-white_check_mark-

ZIP/Post code.

9

Alphanumeric

-white_check_mark-

State/Province/Region.

10

Alphabetic

-white_check_mark-

Two-letter country code.
The country value format needs to adhere to the ISO 3166-1 alpha-2 standard. An invalid country code results in a transaction/request rejection. You can look up country codes on the ISO website.

FH,1.0,TEST,Company,TestCompany,Default,2,ws@Company.TestCompany,Authorisation,FileHeaderEchoData
BH,1,BlockHeaderEchoData
L,1,MerchantAccount,TestMerchant,Authorisation,Test Product 6,
SL,1,PaymentDetails,100,2,SEK,,,,,
SL,2,IBAN,A. Klaassen,NL,NL13TEST0123456789,
SL,3,Address,Billing,South Buena Vista Street,500,Burbank,91521,CA,US
SL,4,Address,Delivery,Some Street,123,Some Town,90102,CA,US
BT,1
FT,1

MerchantOrderReference

Field #

Format

Required

Description

1

Fixed value: SL

-white_check_mark-

Record type identifier

2

Numeric

-white_check_mark-

`SL` sub-line record number reference within its parent line.
The counter starts at 1, and it increments sequentially by one unit.

3

Fixed value: MerchantOrderReference

-white_check_mark-

Transaction type.
Defines the required field types for the specific sub-line.

4

Alphanumeric

-white_check_mark-

Value of your order reference. 

FH,1.0,TEST,Company,TestCompany,Default,2,ws@Company.TestCompany,Authorisation,FileHeaderEchoData
BH,1,BlockHeaderEchoData
L,1,MerchantAccount,TestMerchant,Authorisation,Test Product 6,
SL,1,PaymentDetails,100,2,SEK,,,,,
SL,2,Card,4111111111111111,08,2018,737,CardHolderName,,,
SL,3,MerchantOrderReference,XY66AB
BT,1
FT,1