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
  Verify a payment
  Authorize and capture a payment
  Refund a payment