A Direct Debit is a financial transaction in which one entity withdraws funds from another’s bank account by means of an automatic authorisation. Through Direct Debit, only payments from (IBAN) private banking can be processed, as a one-off or as a recurrent withdrawal. SOFORT Banking and iDEAL are supported as Direct Debit payment methods.
This payment method gives you the possibility to collect funds from your customer bank account on a recurring basis. SEPA Direct Debit is a standard across Europe to collect funds from your customers by means of previous authorization.
Customers can withdraw this payment for 56 days, without giving a reason or you having a possibility to appeal.
As the merchant files the Direct Debit request, an order with status initialized will be created (after MultiSafepay has conducted a background check on the provided customer data).
Every night, all Direct Debits will be sent to our bank and the status will change to uncleared. From this moment on, it is no longer possible to cancel the transaction.
The next business day, we will receive the first feedback from our bank in case of a wrong IBAN or BIC. When the money is received on our end, the order status changes to completed, but the transaction status remains uncleared. The number of days that a Direct Debit has a transaction status uncleared depends on the transaction amount.
For amounts smaller than 500 euro, clearing will take 7 business days.
Fpr amounts larger than 500 euro, clearing will take 20 business days.
The transaction flow shows the different ways a transaction can be processed. This differs per payment method.
The order status indicates the status of the order, such as completed, pending or rejected. The order status is independent of the incoming or outgoing payment of the transaction.
The transaction status indicates the payment status of the transaction, such as completed, pending or rejected. Once the transaction status is completed, the amount of the transaction is added to your MultiSafepay balance.
|Order Status||Transaction Status||Description|
|Initialized||Initialized||Created but not yet processed by the bank.|
|Uncleared||Uncleared||Processed by the bank waiting for clearing period (depending on amount and settings of the merchant).|
|Completed||Completed||Payment has been received and the funds will be added to your MultiSafepay Control balance.|
|Declined||Declined||Rejected during uncleared period.|
|Cancelled||Cancelled||Transaction has been cancelled or incorrectly entered by webshop|
|Order Status||Transaction Status||Description|
|Reserved||Reserved||A refund has been requested.|
|Completed||Completed||Refund has been successfully processed.|
|Chargeback||Completed||Forced reversal of funds initiated by customer’s bank (issuer). The chargeback cannot be challenged.|
The full API reference for Direct Debit can be found here.
MultiSafepay creates an e-mandate automatically, based on IBAN and SiteID. A Direct Debit can be First or Recurrent. Two different batches are made for this. The First orders are processed after 5 days by the bank, while the Recurrent orders after 2 days.
A Direct Debit payment is not fully guaranteed. The customer has 56 days to retrieve the payment that took place. However, when it is an unauthorized transaction (i.e. without verifiable debtor consent) it can even be 13 months. As this process involves staff intervention in both the Debtor Bank and the Creditor Bank the costs can be as high as 65 EUR.
Some rules may apply to certain payment methods. For Direct Debit, the following rules apply:
Refunding more than the stated amount of the original transaction is not possible with Direct Debit. More information is available on our refund more than original amount page
Successful Direct Debit transactions have no expiring date regarding refunding, as long as the receiving bank is able to process the refund
As a collection payment method, Direct Debit has a different payment flow and the setting of days or seconds active will have no influence.
Full documentation can be found on our lifetime of a payment link FAQ page.
Payments done through Direct Debit are processed in Euros (EUR).
As Direct Debit poses certain risks, you will need to first apply before you can process transactions. Our Risk team will conduct a screening to determine whether you are eligible.
Please contact your account manager to submit your request to use Direct Debit.
Please note, Direct Debit is not suitable for normal retail (e.g. clothing) because the payment can take up to 10 days for completion. Besides, a Direct Debit payment can be cancelled by the customer within 8 weeks without reason. There is no right to appeal.
Please follow these steps to refund a Direct Debit transaction:
A refund will only be processed if your balance on your MultiSafepay Control is sufficient.