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SEPA Direct Debit

Richard Blechinger edited this page Aug 29, 2018 · 9 revisions

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.

With SEPA Direct Debit Core, creditors may collect payments in Euro both domestically and in other SEPA member countries.

SEPA Direct Debit Core is based on the following concept: both debtor (i.e. consumer) and creditor (i.e. merchant) must hold an account with a financial service provider located within the SEPA area. Although the accounts may be in Euro or in any other SEPA currency, the transfer of money between the debtor´s bank and the creditor´s bank is always processed in Euro. For SEPA Direct Debit Core transactions, the debtor must grant a mandate to the creditor. By signing the mandate, the creditor is authorized to collect the relevant payments and to instruct the debtor´s bank to pay the relevant funds.

In this documentation, using the term SEPA Direct Debit always refers to SEPA Direct Debit Core.

SEPA Direct Debit configuration

To access the SEPA Direct Debit configuration page, select
Configuration / Basic settings / Additional settings / Wirecard

SEPA Direct Debit Configuration

Creditor ID

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.

The Creditor ID is a mandatory identifier for each merchant who wants to offer SEPA Direct Debits.
In order to be able to offer SEPA Direct Debit as a payment method, a merchant must apply for a Creditor Identifier. The Creditor ID identifies a merchant and allows consumers to be able to manage their mandates with merchants more easily.
This strongly depends on the local rules and regulations. Depending on the originating country, the merchant may need to apply for the Creditor ID at a tax office, local authority, or another organization.

A German merchant may 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 may 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.

Payment Action

SEPA Direct Debit payment via Wirecard may be performed in two different ways, i.e. 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 sepadirectdebit.
    • Authorization is possible through the payment provider services of either Wirecard Bank or Hobex (for Austrian, German and Dutch merchants)
  2. Purchase: Payments for orders are captured/invoiced automatically .
    • This payment action triggers the transaction type debit for payment method sepadirectdebit.

SEPA Direct Debit payments are only completed with a notification from SEPA, therefore SEPA Direct Debit payments are marked as pending for up to two days.

Send Additional Information

Activate this feature to send additional data for the purpose of fraud protection. This additional data includes billing/shipping address and shopping basket.

BIC Enabled

Activate this feature to display an input field for the consumer's BIC during checkout process.

Supported Post-Processing Operations

To access post-processing operations, go to Customer / Payments / Wirecard / Transactions to open the transaction table which lists all transactions:

Wirecard Transactions

Click the pencil (OpenIcon) on a transaction to open the order details. Select the Wirecard Tab for all available post-processing operations. SEPA Direct Debit needs some time to get notified. Transactions are only visible in this view if they have been confirmed as successful.

Wirecard Order Tab

SEPA Direct Debit needs some time to get notified. Transaction are only visible in this view if they have been confirmed as successful.

Please note that although a transaction may have been successfully processed by the customer's bank, the transaction might still be reversed due to reasons such as insufficient funds on the customer's bank account. Should this be the case a new transaction with type debit-return will be created. This transaction will contain a detailed description of what happened.

It should further be noted that a customer can object to any authorized debit without reason for up to 8 weeks. In this case a transaction of type debit-return will be created as well.

According to your "Payment Action" settings, there are different options for SEPA Direct Debit post-processing operation workflow:

Payment Action Authorization

  1. Capture: Triggers transaction type "debit". The payment will be captured/invoiced and the corresponding order in Shopware order management will be updated to payment status "Completely Paid".
  2. Refund: Triggers transaction type "sepacredit". The payment/invoice will be refunded and the corresponding order in Shopware order management will be updated to payment status "Re-crediting".

Payment Action Purchase

  1. Refund: Triggers transaction type "sepacredit". The payment/invoice will be refunded and the corresponding order in Shopware order management will be updated to payment status "Re-crediting".

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.


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.

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