SEPA Direct Debit

Single Euro Payments Area direct debit. Debits funds directly from the customer's EU bank account using their IBAN. Used for EUR payments across eurozone countries.

Node.js

const paymentClient = new PaymentClient(config);

const response = await paymentClient.authorize({
    merchantTransactionId: "txn_001",
    amount: { minorAmount: 1000, currency: Currency.EUR },
    paymentMethod: {
        sepa: {
            iban: { value: "DE89370400440532013000" },
            bankAccountHolderName: { value: "John Doe" },
        },
    },
    captureMethod: CaptureMethod.AUTOMATIC,
    address: { billingAddress: {} },
    authType: AuthenticationType.NO_THREE_DS,
    returnUrl: "https://example.com/return",
});

Python

from payments import (
    PaymentClient, PaymentServiceAuthorizeRequest, Money, Currency,
    CaptureMethod, AuthenticationType, PaymentAddress, Address,
    PaymentMethod, Sepa, SecretString,
)

response = await payment_client.authorize(
    PaymentServiceAuthorizeRequest(
        merchant_transaction_id="txn_001",
        amount=Money(minor_amount=1000, currency=Currency.EUR),
        payment_method=PaymentMethod(
            sepa=Sepa(
                iban=SecretString(value="DE89370400440532013000"),
                bank_account_holder_name=SecretString(value="John Doe"),
            )
        ),
        capture_method=CaptureMethod.AUTOMATIC,
        address=PaymentAddress(billing_address=Address()),
        auth_type=AuthenticationType.NO_THREE_DS,
        return_url="https://example.com/return",
    )
)

Kotlin

val client = PaymentClient(config)

val request = PaymentServiceAuthorizeRequest.newBuilder().apply {
    merchantTransactionId = "txn_001"
    amountBuilder.apply {
        minorAmount = 1000L
        currency = Currency.EUR
    }
    paymentMethodBuilder.sepaBuilder.apply {
        ibanBuilder.value = "DE89370400440532013000"
        bankAccountHolderNameBuilder.value = "John Doe"
    }
    captureMethod = CaptureMethod.AUTOMATIC
    addressBuilder.billingAddressBuilder.apply {}
    authType = AuthenticationType.NO_THREE_DS
    returnUrl = "https://example.com/return"
}.build()

val response = client.authorize(request)