SEPA

SEPA Direct Debit is a pull based and asynchronous payment method. Once given a mandate by your customer it is you who initiates the payment. Following this, there is usually a delay between 2-5 business days before the payment is actually settled.

You can capture the authorized amount in a single API request as depicted in the payment flow below.

• API Capture Request and Response
• Clearing
• Settlement

API Capture Request and Response

The previously authorized transaction is identified by the "uniqueReference". Set at most the same amount as initially authorized under the "modifiedAmount" parameter in the API method 1.29 Capture.

Capture Request

Path:

POST {baseURL}/payment/{uniqueReference}/capture
POST {baseURL}/payment/BNkk4BRkQEufPSvgf9lDwA/capture

Header:

Content-Type: application/json
Accept-Language: en-US
X-Auth-Token: eyJhbGciOiJSUzI1NiI{abbreviated}RW5kVG9rZW4=

{
  "partnerReference": "DEV-SVR001-DE_CUSTID-KD97TH2FP6_CARTID-PYQRTGMCMQ_Y98CGTK2CJ",
  "modifiedAmount": 3.99,
  "modifiedAmountCurrCode": "EUR",
  "localDate": "2018-10-22",
  "localTime": "172047" 
}

Capture Response

• SEPA
• SEPA (Pay.ON)

Capture Response - SEPA

Status Code:

200 (OK)

Header:

Content-Type: application/json
Accept-Language: en-US

{
    "initiatorAccno": "1679541175",
    "accno": "1679797975",
    "uniqueReference": "BNkk4BRkQEufPSvgf9lDwA",
    "modifiedAmount": 3.99,
    "modifiedAmountCurrCode": "EUR",
    "processedAmount": 3.99,
    "processedCurrCode": "EUR",
    "custom1": "WVWZZZ3BZWE689725",
    "statusCode": "CAPTURED",
    "partnerReference": "DEV-SVR001-DE_CUSTID-KD97TH2FP6_CARTID-PYQRTGMCMQ_Y98CGTK2CJ",
    "localDate": "2018-10-22",
    "localTime": "172047",
    "sysDate": "2018-10-22",
    "sysTime": "162048",
    "responseCode": "0000",
    "responseDescription": "Successful execution",
    "additionalInformation": {
        "requestId": "aff2728481a181dc36daedc14055b516"
    }
}

In the case of a successful completed Guest Payment the status code should return "CAPTURED" (see example above).

Capture Response - SEPA (Pay.ON)

Status Code:

200 (OK)

Header:

Content-Type: application/json
Accept-Language: en-US

{
    "initiatorAccno": "1679541175",
    "accno": "1679797975",
    "uniqueReference": "BNkk4BRkQEufPSvgf9lDwA",
    "modifiedAmount": 3.99,
    "modifiedAmountCurrCode": "EUR",
    "processedAmount": 3.99,
    "processedCurrCode": "EUR",
    "custom1": "WVWZZZ3BZWE689725",
    "statusCode": "CAPTURED",
    "statusReason": "Request successfully processed in 'Merchant in Integrator Test Mode'",
    "paymentProviderResponse": {
        "id": "8ac7a4a1669babf401669c5a30ea59af",
        "referencedId": "8ac7a4a2669bb33501669c4fa74c687e",
        "paymentType": "CP",
        "amount": "3.99",
        "currency": "EUR",
        "descriptor": "FS2- 2931.2232.0945 -VW- Purchase:2xPremiumWidgets. Merchant:WidgetsGmbH. 
      CUSTREF:52650FD95.",
        "merchantTransactionId": "BNkk4BRkQEufPSvgf9lDwA",
        "result": {
            "code": "000.100.110",
            "description": "Request successfully processed in 'Merchant in Integrator Test Mode'"
        },
        "resultDetails": {
            "ExtendedDescription": "The request was successful.",
            "AcquirerResponse": "SUCCESS"
        },
        "bankAccount": {
            "mandate": {
                "id": "446ED8B3F6FD4CC195FB4D6E860E675A",
                "dateOfSignature": "2018-10-22"
            }
        },
        "risk": {
            "score": "0"
        },
        "buildNumber": "5cfb0b509a516adbf6f324943ea4522a2cd4ae9f@2018-10-22 08:37:51 +0000",
        "timestamp": "2018-10-22 15:17:28+0000",
        "ndc": "8a82941765fc0d1c0166160b39415cdd_28e43689600a4c03a1a50a8cee20202f"
    },
    "partnerReference": "DEV-SVR001-DE_CUSTID-KD97TH2FP6_CARTID-PYQRTGMCMQ_Y98CGTK2CJ",
    "localDate": "2018-10-22",
    "localTime": "172047",
    "sysDate": "2018-10-22",
    "sysTime": "162048",
    "responseCode": "0000",
    "responseDescription": "Successful execution",
    "additionalInformation": {
        "requestId": "aff2728481a181dc36daedc14055b516"
    }
}

In the case of a successful completed Guest Payment the status code should return "CAPTURED" (see example above).

Clearing

After the Capture request, the Creditor initiates the Clearing process. All necessary payment and mandate information are transmitted, reconciled and confirmed by both banks. This may include the netting of orders and the establishment of final positions for settlement. Since SEPA Direct Debit payments are bank-to-bank, there are no card networks involved in the SEPA Direct Debit scheme and all communication happens directly between the banks.

note

There are multiple reasons a payment could fail, like a Chargeback due to objection by the customer or a Reject by the customer's bank due to technical reasons (e.g., wrong IBAN). In each case, you receive a callback via our Notification Service.

Settlement

The Settlement describes the completion of a SEPA Direct Debit transaction. Through transfer of funds from the customer's bank to the Creditor, the participant's obligations are discharged.

With that, the payment process is completed.