Attributes

• METHOD TYPEBank Transfer
• PAYMENTS
• PAYOUTS
• REFUNDS
• RECURRING

Introduction

Single Euro Payments Area (SEPA) Direct Debit is a comprehensive payment system in Europe.  SEPA Direct Debit offers bank-to-bank transactions that enable merchants to gather payments in euros from accounts located in the SEPA countries and affiliated regions.

Supported Countries

• Andorra
• Austria
• Belgium
• Bulgaria
• Croatia
• Cyprus
• Czech Republic
• Denmark
• Estonia
• Finland
• France
• Germany
• Greece
• Hungary
• Iceland
• Ireland
• Italy
• Latvia
• Liechtenstein
• Lithuania
• Luxembourg
• Malta
• Monaco
• Netherlands
• Norway
• Poland
• Portugal
• Romania
• San Marino
• Slovakia
• Slovenia
• Spain
• Sweden
• Switzerland
• United Kingdom
• Vatican City

Supported Currencies

• EUR

REST API 1.0

Payment (Deposit) Flow

1. Generate a sessionToken.
   
   For details, see the Authentication document, in the ‘sessionToken’ section.

2. Send a /payment request that includes the following mandatory parameters:

• • userTokenId
  • amount
  • currency
  • paymentOption.alternativePaymentMethod block containing:
    • paymentMethod: “apmgw_Sepa“
    • verification_email
    • iban
  • deviceDetails block containing: ipAddress
  • billingAddress block containing: firstName, lastName, country, email
  • userDetails block containing: firstName, lastName, country, email

Example Create preapproval/mandate Request

**ADD EXAMPLE**

Example Subsequent payment Request

**ADD EXAMPLE**

Example /payment Request **SHOULD THIS BE REMOVED? IT WAS IN THE DRAFT PREVIOUS TO LAVINIA’S FEEDBACK**

{
  "sessionToken":"<sessionToken from /getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "amount":"100",
  "currency":"EUR",
  "userTokenId":"<unique customer identifier in merchant system>",
  "clientUniqueId":"<unique transaction ID in merchant system>",
  "paymentOption":{
    "alternativePaymentMethod":{
      "paymentMethod":"apmgw_Sepa",
      "verification_email": "[email protected]",
      "iban": "DE86120300001019407863"
    }
  },
  "deviceDetails":{
    "ipAddress":"<customer's IP address>"
  },
  "billingAddress":{
    "firstName": "John",
    "lastName": "Smith",
    "country":"DE",
    "email":"[email protected]"
  },
  "userDetails":{
    "firstName": "John",
    "lastName": "Smith",
    "country":"DE",
    "email":"[email protected]"
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}

The response generates and returns a redirect URL (redirectUrl) to redirect the customer to the payment page, as well as a UPO (userPaymentOptionId) for use in future transactions. **IS THIS CORRECT TO INCLUDE IF PAYMENT PAGE SECTION was removed?**

Example /payment Response **SHOULD THIS BE REMOVED/REPLACED? IT WAS IN THE DRAFT PREVIOUS TO LAVINIA’S FEEDBACK**

{
  "orderId": "38400281",
  "userTokenId": "Siltoken54545xxx122252vf1skns",
  "paymentOption": {
    "redirectUrl": "https://r3.girogate.de/ti/sepadirectdebitmodela?tx=140196814579&rs=Z5gQQoZidLYkINlIijHVofns5h60JzwZ&cs=adeb5f445526b7211d5d53dd168aa5a02726863fede98217d146a6ea96707052",
    "userPaymentOptionId": "8382371",
    "card": {}
  },
  "transactionStatus": "REDIRECT",
  "sessionToken": "1d5b14f1-cb89-4464-a8cc-6814f912f891",
  "clientUniqueId": "12345",
  "internalRequestId": 23105301,
  "status": "SUCCESS",
  "errCode": 0,
  "reason": "",
  "merchantId": "1459627421657905728",
  "merchantSiteId": "209631",
  "version": "1.0",
  "clientRequestId": "20221123125730"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) to urlDetails.notificationUrl. The DMN includes the result of the transaction, which Nuvei recommends including in the /payment request.

DMN Examples

Example Payment DMN with Status=APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=450403248&userid=R%3A1701&merchant_unique_id=OnlineOrder%3A330026369&customData=&productId=&first_name=Hazni&last_name=Ergun&email=peDataWip%40bydesign.com&currency=EUR&clientUniqueId=OnlineOrder%3A330026369&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=Gr%C3%BCner+Weg+28&address2=&country=Germany&state=&city=Lippstadt&zip=59556&phone1=017620955064&phone2=&phone3=&client_ip=173.168.142.98&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=PPRO-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=DE86120300001019407863&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=208838&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_Sepa&ID=&merchant_id=667129050670485421&responseTimeStamp=2024-05-28.16%3A37%3A46&buyButtonProductId=&webMasterId=sdk_dotnet_ver_1.0.0&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=R%3A1701&userPaymentOptionId=&TransactionID=811000000006455558&ExternalaccountID=Dustin.Bayles%40ByDesign.com&externalTransactionId=2254743246&APMReferenceID=EE788514F72AF0A6F71E83BF9C8F2AB8&orderTransactionId=1293731498&totalAmount=568.00&dynamicDescriptor=%3F&item_name_1=NA&item_number_1=&item_amount_1=568.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&type=DEPOSIT&clientRequestId=O-330026369&relatedTransactionId=&apmPayerInfo=SRCIBAN%3ADE86120300001019407863%3bSRCCOUNTRY%3ADE%3bPAYMENTPURPOSE%3A%3F%3bFundsState%3ANOT_EXPECTED%3b&sessionId=0100d2665d48eb9f514ce402dfd1&responsechecksum=251a3c3b2f2a01be0525a384436229363a846cf6a0afe2d1c994cbde1089a7ef&advanceResponseChecksum=61e5d7cbd0c337b73bc351255c51ce5f50d99dfc33b5cf0088172dc6c9e75d7e',

User Experience

Creating a Mandate

1. The user is redirected to the provider’s page and enters the IBAN of the bank account.
   
2. The user enters a phone number.
   
3. The user confirms the mandate using the four-digit code received by SMS.
   
4. The user receives the digitally signed mandate by email.
   

Testing

To test payments in Germany, use the following data: