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SEPA
SEPA streamlines cashless euro payments across Europe

SEPA harmonizes cashless euro payments across Europe.

It offers a unified payment system for seamless cross-border transactions.

Payment type Online

Payment flow Direct

Integration type API Reference

Countries The European Union (EU), The United Kingdom (GBR)

Currencies Euro (EUR)

Min amount 0.01 EUR

Max amount Bank dependent

Recurring No

Refund Yes

Partial refunds Yes

Multiple partial refunds Yes

Chargeback Yes

Principle of operation
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  1. Selection at checkout
    Customer chooses SEPA Direct Debit at checkout.
  2. Payment initiation
    Customer provides their IBAN and authorizes the mandate, allowing the merchant to initiate the withdrawal.
  3. Authentication and authorization
    Customer confirms the payment using their IBAN, and SEPA supports one-off and recurring transactions.
  4. Payment confirmation
    The payment is processed within 2-14 business days, depending on the mandate.
Payment page example Payment page example Payment page example

If you want to test the different use cases for SEPA payment, please use the following test IBANs. These IBANs have a valid checksum and should be supplied when creating a new mandate.

IBANDescription
DE09100100101234567890The customer's mandate and payment cannot be set up because their bank details are invalid. Payment is not accepted.
DE79100100101234567891The customer's payment is accepted, but not collected yet. The mandate is marked as activated. The payment remains on Status 1 (accepted).
DE52100100101234567892The customer's payment is accepted but then cancelled before the collection. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 2 (cancelled).
DE25100100101234567893The customer's payment is collected successfully and paid out to you. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid).
DE95100100101234567894The customer's payment is provided to the bank successfully but is then charged back due to a request by the merchant. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid). Finally, the payment is marked as Status 4 (charge-back) with token (RFND).
DE68100100101234567895The customer's payment is collected successfully but is then charged back by the customer disputing it with their bank (actively initiated by the customer). The mandate is marked as activated. The payment is marked as status 1 (accepted), then status 3 (paid). Finally, the payment is marked as status 4 (chargeback) with the token (ACT).
DE41100100101234567896The customer's payment is provided to the bank successfully but is then charged back by their bank due to insufficient funds. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid). Finally, the payment is marked as Status 4 (chargeback) with token (NSF).
DE14100100101234567897The customer's payment is provided to the bank successfully but is then charged back by the bank due to other reasons (no bank account, saving account). The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid). Finally, the payment is marked as Status 4 (chargeback) with token (OTHR).
DE84100100101234567898The customer's payment is provided to the bank successfully but is then charged back by the bank due to format errors. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid). Finally, the payment is marked as Status 4 (chargeback) with token (FRM).
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