Sepa

Features
Method	Async - GET Redirect / sync
Countries	Europe
Processing currencies	EUR
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	✅
Installments	-
Credits	-
Disputes	-
Min Amount	0.01
Account verification	-

Sepa is an online payment method that allows consumers to pay via bank transfer. There are two ways to make Sepa payments:

• delegated_mandate_collection: when the mandate is handled by the processor.
• self_mandate_collection: when the mandate is handled by the merchant.

Delegated mandate collection payment flow

Payment

The mandate generation is handled by the processor and its information is returned in the final response.

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "amount": {
        "value": 200,
        "currency": "eur"
    },
    "paymentMethod": {
        "type": "sepa",
        "sepa": {
            "flowType": "delegated_mandate_collection",
            "returnUrl": "https://merchant.site/complete-payment",
            "consumer": {
                "name": "John Doe",
                "email": "consumer@email.com"
            },
            "bankAccount":{
                "number": "NL91ABNA0417164300"
            }
        }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}

Response after consumer completion

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "waiting_for_confirmation",
        "description": "Confirmation is pending for the non-instant operation."
    }
}

Response after funds are received

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "succeeded",
    "paymentMethod": {
        "type": "sepa",
        "mandate": {
            "reference": "ABC12345",
            "signatureDate": "2025-01-12"
        }
    }
}

Self mandate collection payment flow

Payment

The merchant is responsible for the mandate generation and sends the required information in the request.

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "amount": {
        "value": 200,
        "currency": "eur"
    },
    "paymentMethod": {
        "type": "sepa",
        "sepa": {
            "flowType": "self_mandate_collection",
            "returnUrl": "https://merchant.site/complete-payment",
            "consumer": {
                "name": "John Doe",
                "email": "consumer@email.com"
            },
            "BankAccount":{
                "number": "NL91ABNA0417164300",
                "mandate":{
                    "reference": "ABC12345",
                    "signatureDate": "2025-01-12",
                    "url":"https://mandateurl.com"
                }
            }
        }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "waiting_for_confirmation",
        "description": "Confirmation is pending for the non-instant operation."
    }
}

Response after funds are received

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "succeeded",
    "paymentMethod": {
        "type": "sepa",
        "mandate": {
            "reference": "ABC12345",
            "signatureDate": "2025-01-12"
        }
    }
}

Mandate FAQ

What needs to be shown on a mandate? See the guidelines as defined by the European Payments Council. Not meeting the basic mandate design requirements will lead to a chargeback if the mandate is at all created.

How long do I need to store a mandate? A chargeback is permissible for up to 13 months after the mandate is signed. It needs to be available for recall on request during at least the 13 month period. If possible, five years is recommended.

Which format must the stored mandate be? An HTML page showing evidence of a consumer’s e-signature, date, mandate reference. For paper mandates, a PDF copy is sufficient.

Can I put the mandate behind a protected URL? Yes, but make sure you have credentials ready on short notice to access the mandate in case of a request from one of our partner banks for proof of a mandate’s existence.