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.
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.
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.
SEPA Direct Debit Mandates are supported in these languages:
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* Serbia is not part of SEPA area. So SEPA direct debit is not supported - just SEPA mandate is translated into serbian language.
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