SEPA Credit Transfer
Single Euro Payments Area is a European Union initiative that makes electronic payments across the Euro zone as easy as domestic payments within one country, thus replacing existing domestic direct debit schemes. Payments are processed under the same basic conditions, rights, and obligations regardless of their location. The geographical scope of SEPA encompasses the 28 EU Member States, Iceland, Liechtenstein, Monaco, Norway, and Switzerland. The SEPA project is strongly supported by the European Commission and the European Central Bank.
SEPA Credit Transfer is not a payment method in the traditional sense. It is used to execute Refund payment actions for other supported payment methods: Sofort., iDEAL and Payment On Invoice / Payment In Advance.
Without a correctly set up SEPA Credit Transfer configuration you will not be able to execute refunds for the Sofort., iDEAL and Payment On Invoice / Payment In Advance payment methods.
SEPA Credit Transfer Configuration
In order to perform a refund via SEPA Credit Transfer, a SEPA Credit Transfer configuration is mandatory. To access the SEPA Credit Transfer configuration page, select
Basic settings /
Additional settings /
SEPA Credit Transfer is used to carry out a refund, i.e. to return funds to the consumer if delivered goods turn out to be faulty or do not meet consumers' expectations.
The following fields are mandatory:
- [SEPA Credit Transfer] Merchant Account ID
- [SEPA Credit Transfer] Secret Key
- [SEPA Credit Transfer] Creditor ID
In addition, the optional feature cross-MAID (cross-payment-method referencing) has to be ordered and activated by Wirecard technical support.
Supported Post-Processing Operations
Refund triggers transaction type "sepacredit". The payment/invoice will be refunded, and the corresponding order in OpenCart order management will be updated to status "Refunded".
The Refund payment action can also be executed for a partial amount of the completed payment until the complete amount is used up.
Please be aware that stock management is not included in the post-processing operations triggered in Wirecard Payment Gateway but only in Shopware order management.