Read how direct debits can benefit your business on multisafepay.com

Payment flow

This diagram shows the flow for a successful transaction. Click to magnify.

Payment statuses

The table below sets out the <<glossary:order status>> and <<glossary:transaction status>> for payments and refunds.

Activation

1. Email a request to [email protected]

   Include in the request the following information:

   • Monthly and annual direct debit volume
   • Minimum and maximum transaction amount
   • Type of products sold using this payment method
   • Whether you want to accept recurring payments
   • Whether any subscriptions are monthly, quarterly, or annual
   • Any additional information we request
     We send you an agreement to sign and email back to us.

   We check your eligibility and if approved, activate the payment method for your account.

2. Once approved, sign in to your MultiSafepay dashboard .

3. To activate the payment method for:

• All websites, go to Settings > Payment methods.
• A specific website, go to Websites, and then click the relevant website.

4. Select the checkbox for the payment method, and then click Save changes.

⚠️ Note: By default, Direct Debit payments are limited to one payment per IBAN every 24 hours. This restriction affects recurring payments. To request a change to this limit, email [email protected]

💬 Support: If the payment method isn't visible in your dashboard, email [email protected]

Integration

API

• See API reference - Banking order.

  Example requests

  For example requests, on the Banking order page, in the black sandbox, see Examples > Direct debit direct/redirect.

  

Ready-made integrations

Supported in all ready-made integrations (direct).

Testing

To test direct debits, see Testing payment methods - Banking methods.

User guide

Chargebacks

Customers can request a chargeback up to 56 days after their account has been debited. Following this, for a period extending up to 13 months, they can only initiate a chargeback with their bank if the transaction is considered unauthorized (e.g., made without verifiable customer consent).

In contrast to credit or debit card chargebacks, you cannot dispute Direct debit chargebacks.

Additionally, customers can initiate a chargeback even after receiving a refund if their bank hasn't registered it. This introduces a significant risk when issuing refunds during active customer disputes.

These chargebacks can result in bank fees of up to 65 EUR.

Chargeback reasons

If you receive a chargeback, a reason code is provided.

If the IBAN or BIC is incorrect, our bank informs us the next business day.

• English, see European Payments Council - Guidance on reason codes .
• Dutch, see Betaal Vereniging - Reasoncodes en vervolgacties .

E-mandates

An e-mandate represents an agreement between you and the customer and is required for every direct debit. We create them automatically based on the customer's IBAN and the site_id, and specify if it is a one-time, initial, or recurring debit (see Recurring payments).

E-mandates are needed when resolving customer disputes and chargebacks.

We send all e-mandates to our bank at the end of every business day.

Processing times

Transactions are processed within:

• Amounts less than 500 EUR: 9 days
• Amounts over 500 EUR: 22 days

Processing times can be reduced on request. Email [email protected]

Refund risk

You might end up paying twice the amount if a customer gets a refund from you and also files a chargeback, even if the chargeback is processed after the refund settled.

💬 Support

Email [email protected]