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SEPA
SEPA streamlines cashless euro payments across Europe
SEPA API harmonizes cashless euro payments across Europe, offering a unified payment system for seamless cross-border transactions. Countries Switzerland (CHE), United Kingdom (GBR), European Economic Area (EEA), and European Union (EU)

Currencies Euro (EUR)

Min amount 0.01 EUR

Max amount Bank dependent
Recurring No

Refund Yes

Chargeback Yes

Principle of operation

  1. Checkout selection: Customers choose SEPA Direct Debit at checkout.
  2. Mandate acceptance: Customers provide their account holder’s name, IBAN, and accept the mandate.
  3. Merchant authorization: Following mandate acceptance, merchants can proceed with money withdrawal.
  4. Payment completion: The payment is then completed within 2-14 business days.
  5. Mandate types: SEPA supports both one-off and recurring payment mandates.

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.

IBAN Description
DE09100100101234567890 The customer’s mandate and payment can’t be set up because their bank details are invalid. Payment not accepted.
DE79100100101234567891 The customer’s payment is accepted, but not collected yet. The mandate is marked as activated. The payment will remain on Status 1 (accepted).
DE52100100101234567892 The customer’s payment is accepted but then cancelled before collection. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 2 (cancelled).
DE25100100101234567893 The 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).
DE95100100101234567894 The 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).
DE68100100101234567895 The 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).
DE41100100101234567896 The customer’s payment is provided to the bank successfully but is then charged back by their bank due to no sufficient 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).
DE14100100101234567897 The 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).
DE84100100101234567898 The 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).