SEPA Direct Debit
Before you start
Before starting the integration and accepting SEPA Direct Debit payments, you need to sign an agreement with PPRO which is our partner for providing the local payment methods in the European region. Once your agreement has been processed, Nets will activate SEPA Direct Debit as a payment method in your Netaxept Admin Account.
When your customers choose SEPA Direct Debit as a payment method, they are directed to the Netaxept payment window to enter their IBAN number.
Alternatively, you can allow your customers to enter their IBAN on your website and bypass the payment window. In that case, you must send the IBAN with the Register call.
In both case, the customer then gets directed to the page where they must approve the mandate for you to debit their bank account (SEPA mandate). Your customers will also receive a pre-notification before their bank account is debited. Both, mandate and pre-notification, are mandatory. After approving the mandate, the customer will be redirected to the
redirectURL as specified in the Register call.
Finally, the customer´s bank account is debited, and the payment is settled to your account. All funds are handled via PPRO so you get the payout from PPRO. In case of a chargeback, PPRO deducts chargeback amounts from your unpaid settlements.
Generally, the payment flow follows the sequence of steps as described in the payment flow outline section. The main difference is that with the Terminal call’s
status=OK reply, Netaxept triggers an
AutoSale to process the transaction.
The Process(Credit) call works similar to Process(Credit) for regular card payments. Other operations are not supported for SEPA Direct Debit.
For SEPA Direct Debit, there are a few additional parameters you need to send along the Register call (see below). Also, if the customers choose the payment method on your website, you need to send the payment method name
PproSepaDirectDebit with the
paymentMethodActionList parameter, to indicate the selected payment method.
Required Register call parameters for SEPA Direct Debit payments
When using SEPA Direct Debit as a payment method, certain REGISTER call parameters are required, while others are optional.
Transaction amount and currency
Supported currency is EUR and it needs to be sent with the
currencyCode parameter. Minimum transaction amount is 0,10 EUR.
The customer´s IBAN number is mandatory if you expect your customers to enter their IBAN number on your website. In that case, it needs to be sent as the Register call's
customerAccountNumber parameter. If not sent, the customer is asked to enter their IBAN number on the Netaxept payment window during the Terminal phase.
Customer´s email address, first name, last name and country are mandatory and need to be sent with the
Mandate and pre-notification
To be compliant with the regulatory requirements on SEPA Direct Debit, there must be a valid mandate and pre-notification in place for you to make a SEPA Direct Debit payment.
Mandate and pre-notification can be handled either by PPRO or by you as a merchant. The
pproSepaModelType parameter indicates, which party is responsible. Valid values are:
MANAGEDBYPPRO = Mandate and pre-notification are managed by PPRO.
MANAGEDBYMERCHANT = Mandate and pre-notification are managed by merchant. In this case, the parameter
pproSepaMandateUrl becomes mandatory as well to indicate the URL where you have placed the mandate.
Description that appears on the customer’s bank statement. This is optional information and can be sent with the parameter
pproSepaDynamicDescriptor. Description sent to Register call is reused for credit. Note, that it is up to each bank how many characters will be displayed on customer's bank statement or the bank may ignore the description altogether.
Additional Query response parameters
Planned due date
Planned due date is the earliest day when the money will be debited from the customer´s bank account. This information is returned by PPRO and you can find it in the Query response ('DeliveryDate' parameter) and in the Admin portal´s Transaction Details tab.
ChargeBackAmount indicates if the transaction has received a chargeback. Read more about chargeback handling below.
One-off and recurring SEPA Direct Debit payments
Both one time and recurring transactions are supported for SEPA Direct Debit. With recurring functionality, you can initiate one or more future transactions without any customer interaction, based on the consent provided by customer.
First payment in recurring series
These Register call parameters become required for the initial transaction of a recurring series:
Apart from that, the flow is similar to the standard payment flow.
Get the panHash
Send the Query call to get the mandate reference from the parameter
panHash. Store this value on your database's customer profile.
Subsequent payment in recurring series
These Register call parameters become required, for subsequent transactions:
panHash: the stored mandate reference from the initial transaction
paymentMethodActionList: "PproSepaDirectDebit" must be included
The payment window is omitted in the customer's payment flow, but you must send the Terminal call after having sent the Register call nonetheless, so that Netaxept can run
AutoSale to process the transaction.
In a context of SEPA Direct Debit, chargeback is a disputed transaction where customer disputes a purchase and requests money back, claiming that the transaction was fraudulent or made without their knowledge or permission.
Chargebacks are different from refunds, but both can result in the customer receiving a credit. Chargebacks are deducted from your unpaid settlements and customer gets the money back to their bank account, paid by PPRO.
Netaxept´s role is to only display the chargeback information to you via API and in the Admin portal. __The actual financial processes will happen outside of Netaxept between customer, PPRO and you.
Chargeback is considered as a final state for the transaction: if the transaction has received a chargeback for the full amount, you are not able to further process the transaction. If the transaction has received the chargeback for a partial amount, you can still further process that part of the amount which hasn´t been charged backed.
In addition to normal chargeback situations, there are also other reasons for chargebacks, for example:
• Insufficient funds: Customer does not have sufficient funds in their bank account to complete the transaction.
• Non-existing IBAN: IBAN number used in the transaction does not exist.