A SEPA Direct Debit is a financial transaction in which one entity withdraws funds from another’s bank account by means of an automatic authorisation. Through SEPA 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 SEPA 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. Currently 36 countries fall under the SEPA scheme.
Customers can withdraw this payment for 56 days, without giving a reason or you having a possibility to appeal.
As the merchant files the SEPA 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 SEPA 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 SEPA Direct Debit has a transaction status uncleared depends on the transaction amount.
For amounts smaller than 500 euro, clearing will take 7 business days.
For 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 SEPA Direct Debit can be found here
MultiSafepay creates an e-mandate automatically, based on IBAN and SiteID. A SEPA 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 SEPA 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 SEPA Direct Debit, the following rules apply:
Refunding more than the stated amount of the original transaction is not possible with SEPA Direct Debit. More information is available on our refund more than original amount page
Successful SEPA 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, SEPA 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.
As SEPA 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 SEPA Direct Debit.
Please note, SEPA Direct Debit is not suitable for normal retail (e.g. clothing) because the payment can take up to 10 days for completion. Besides, a SEPA 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 SEPA Direct Debit transaction:
The transaction status is now initialized. As long as the transaction status is marked as initialized, the refund can be cancelled. When the transaction status is marked as completed, the refund is processed correctly. The customer will receive the refund to the bank account number in which the transaction was originally paid to, within the next business day
A refund will only be processed if your balance on your MultiSafepay Control is sufficient.
|AC01||Incorrect account number|
|AC04||Closed account number|
|AC13||Debtor account type is missing or invalid|
|AG02||Invalid bank operation code|
|BE01||Inconsistent with endcustomer|
|BE04||Creditor address missing or incorrect|
|BE05||Unrecognised initiating party|
|CNOR||Creditor bank is not registered|
|DNOR||Debtor bank is not registered|
|FF01||Invalid file format|
|FF05||Direct debit type incorrect|
|FOCR||Return following a cancellation request|
|MD02||Missing mandatory infomation in mandate|
|MD06||Return of funds requested by end customer|
|MD07||End customer deceased|
|MS02||Not specified reason customer generated|
|MS03||Not specified reason agent generated|
|RC01||Bank identifier incorrect|
|RR01||Missing debtor account or identification|
|RR02||Missing debtor name or address|
|RR03||Missing creditor name or address|
|SL01||Due to specific service offered by debtor agent|
|TM01||File received after Cut-off Time|