SEPA Direct Debit
With SEPA Direct Debit Core, creditors may collect payments in EUR both domestically and in other SEPA member countries.
On this page SEPA Direct Debit always refers to SEPA Direct Debit Core.
SEPA Direct Debit Configuration
Go to Sales and scroll down to Payment Methods.
Select Wirecard SEPA Direct Debit to open the configuration page:
SEPA Direct Debit requires a Creditor ID to create a SEPA Direct Debit Mandate and supports configuration fields for creditor name and creditor city to be displayed in the mandate.
In order to be able to offer SEPA Direct Debit as a payment method, you have to apply for a Creditor Identifier. The Creditor ID is a mandatory identifier for anyone who wants to offer SEPA Direct Debit. It allows consumers to be able to manage their mandates with merchants more easily. SEPA Direct Debit supports configuration for the creditor name and the creditor city to be displayed in the mandate.
This strongly depends on the local rules and regulations. Depending on the country of origin, the merchant may need to apply for the Creditor ID at a tax office, local authority, or another organization.
A German merchant needs to apply for a Creditor ID at the Bundesbank Deutschland. To learn more about how to apply for a Creditor ID, please refer to http://www.bundesbank.de.
An Austrian merchant needs to apply for a Creditor ID at the Österreichische Nationalbank. To learn more about how to apply for a Creditor ID in Austria, refer to www.oenb.at.
SEPA Direct Debit payment can be performed with two different payment actions:
1. Authorization: Payments for orders are not captured/invoiced but only authorized by the consumer and thus only reserved. For debit, you have to confirm/capture the amount manually.
- This payment action triggers the transaction type authorization for payment method SEPA Direct Debit.
2. Capture: Payments for orders are captured/invoiced automatically.
- This payment action triggers the transaction type debit for payment method SEPA Direct Debit.
SEPA Direct Debit payments require a notification from SEPA to be completed. Therefore, SEPA Direct Debit Payments are labeled as Pending for up to two days.
Set this field to Yes to display an input field for the consumer's BIC during checkout process. In this case, this is a mandatory field for your consumer.
Send Additional Information
If this field is set to Yes, additional data will be sent for the purpose of fraud protection. This additional data includes billing/shipping address, shopping basket, and descriptor.
Supported Post-Processing Operations
Select Sales/Orders to access post-processing operations:
Depending on your Payment Action settings, there are different options for the SEPA Direct Debit post-processing operation workflow:
Payment Action Authorization
1. Capture: Triggers transaction type debit. The payment will be captured/invoiced.
2. Refund: Triggers transaction type sepacredit. The payment/invoice will be refunded.
Payment Action Capture
1. Refund: Triggers transaction type sepacredit. The payment/invoice will be refunded.
You also have the option of partial Refund/Capture. Partial Refund/Capture is possible until the payment has been refunded/captured in full.
SEPA Direct Debit supports the post-processing operation Refund via SEPA Credit Transfer. For more details on how to enable and configure refunds for SEPA Direct Debit, please see the SEPA Credit Transfer page.
For a step-by-step guide to voiding, capturing and refunding payments, go to our Post-Processing Operations page.
Please be aware that stock management is not included in the post-processing operations triggered in the Wirecard extension but only in Magento 2 order management.