How it works
Form payments (PaySdd / HPP) to create / use a mandate
For creating a mandate a form payment (PaySdd / HPP) has to be used, of course. So the consumer is in session and can be prompted to approve a new mandate.
If
already finds a valid mandate for that IBAN the consumer will not be prompted to approve the mandate and SEPA Direct Debit payment initated.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording
Template name (e.g. template=ct_responsive) and Template language (e.g. language=en) are sent as plain parameters - not part of encrypted Len + Data.
- Automatic
SEPA Mandate Management can to be activated on your Merchant configurationMultiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording - Please contact
if you want to have that feature active.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Helpdesk-Name PageWithExcerpt Wording - A mandate is checked based on the IBAN of the consumer
- If a mandate is already existing and has been used within the last 36 months this mandate will be used and extended
- If no valid mandate is found the consumer will be prompted to grant and approve a mandate for your merchant configuration.
- This mandate is then used to continue with SEPA Direct Debit payment
Sequence diagram
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Direct debit payments (edddirect.aspx) to use an existing mandate
You may use an existing mandate which has been approved by the consumer earlier to initiate a SEPA Direct Debit payment. The mandate is related to your Merchant configuration and the IBAN of the consumer. Also the PseudoBankAccountNumber (PBAN) can be used to reference the SEPA Mandate.
- The SEPA Mandate has to be approved by the consumer already and it must still be valid (e.g. last used withing last 36 months)
- You can use consumer's IBAN to reference that mandate or use PBAN which has been generated by
for that IBAN.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording - By creating a direct debit payment for this IBAN/PBAN the mandate is automatically updated and valid for another period of 36 months. For this use case the mandate has to be a recurring mandate (MdtSeqType)
Sequence diagram
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Languages
SEPA Direct Debit Mandates are supported in these languages:
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| Code | Description |
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| Code | Description |
|---|
| de | German |
| hu | Hungarian |
| en | English |
| it | Italian |
| bg | Bulgarian |
| nl | Dutch |
| cs | Czech |
| pt | Portuguese |
| da | Danish |
| ro | Romanian |
| es | Spanish |
| sk | Slovak |
| fi | Finnish |
| sl | Slovenian |
| fr | French |
| sr | Serbian |
| hr | Croatian |
| sv | Swedish |
* Serbia is not part of SEPA area. So SEPA direct debit is not supported - just SEPA mandate is translated into serbian language.
Testing and samples
Testing
- we have a list of IBANs listed here that can be used to create a SEPA Mandate: Test direct debit
- A SEPA Mandate is
- either valid for a single SEPA Direct Debit payment with MdtSeqType=OOFF
- or valid for multiple SEPA Direct Debit payments within 36 months with MdtSeqType=RCUR
Samples
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| cell-width | 250 | |||
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| datepattern | dd M yy | |||
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| id | 1710147978675_-246534984 | |||
| updateSelectOptions | false | |||
| worklog | 365|5|8|y w d h m|y w d h m | |||
| isOR | AND | |||
| order | 0 | Description | Beschreibung |
for consumer to enter Account Holder and IBAN |
PaySdd Formular zur Eingabe des Kontoinhabers und der IBAN
| Mandate |
form for consumer to enter city and approve SEPA mandate |