# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# SEPA

Single Euro Payments Area (SEPA) allows European consumers to make payments by direct debit to their bank accounts. SEPA payments are supported through the European Payments Council (EPC) via SEPA networks. SEPA also supports the International Bank Account Number (IBAN) and Bank Identifier Code (BIC) structure.

## Availability

 
**SEPA availability**

| Payment method | Payment type | Countries | Supported presentment currencies | 
| --- | --- | --- | --- | 
| Single Euro Payments Area (SEPA) | Direct debit | AT, BE, CY, DE, ES, FI, FR, GB, GR, IE, IT, LU, MC, MT, NL, PT, SI, SK | EUR | 

## Payment parameters

The following fields are required for SEPA payments:

- Validation — Validates the account against an internal negative file and validates the IBAN
  - HTTP method: POST
  - Endpoint: /verifications
  - Required fields:
  - accountHolder.firstName
  - accountHolder.lastName
  - accountHolder.billingAddress
  - paymentMethodType.sepa.internationalBankAccountNumber
  - PaymentMethodType.sepa.internationalBusinessIdentifierCode

- Payment (debit from bank account) — Forwards the transaction for deposit. To avoid SEPA payment rejections, submit a validation transaction prior to a payment transaction.
  - HTTP method: POST
  - Endpoint: /payments
  - Required fields:
  - accountHolder.firstName
  - accountHolder.lastName
  - accountHolder.billingAddress
  - paymentMethodType.sepa.internationalBankAccountNumber
  - PaymentMethodType.sepa.internationalBusinessIdentifierCode

- Refund (credit to bank account) — Forwards the transaction for refund. To avoid SEPA refund rejections, submit a validation transaction prior to a refund transaction.
  - HTTP method: POST
  - Endpoint: /refunds
  - Required fields:
  - accountHolder.firstName
  - accountHolder.lastName
  - accountHolder.billingAddress
  - paymentMethodType.sepa.internationalBankAccountNumber
  - PaymentMethodType.sepa.internationalBusinessIdentifierCode
  Related [Payment methods overview](/docs/commerce/online-payments/capabilities/online-payments/payment-methods/index) [Verify a payment](/docs/commerce/online-payments/capabilities/online-payments/how-to/verify-payment) [Authorize and capture a payment](/docs/commerce/online-payments/capabilities/online-payments/how-to/auth-and-capture-payment) [Refund a payment](/docs/commerce/online-payments/capabilities/online-payments/how-to/refund-payment)