Introduction

Single Euro Payments Area (SEPA) Payouts is used throughout Europe for withdrawals. The Verified SEPA Payouts APM provider uses an algorithm to compare the name provided by the user with the real name provided by the bank and generates a match score.

Supported Countries

Austria
Belgium
Finland
France
Germany
Italy
Lithuania
Netherlands
Spain
Sweden

Supported Currencies

Payout (Withdrawal) Flow

To perform a payout with Verified SEPA Payouts, you need to use the /accountCapture method before sending the /payout request:

Generate a sessionToken. Press here for details.

Send an /accountCapture request with all of its mandatory parameters, including:

userTokenId – Unique customer identifier in merchant system.
paymentMethod: “apmgw_Verified_SEPA_Payouts“
currencyCode: “EUR“

countryCode

Example `/accountCapture` Request

{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "userTokenId": "<unique customer identifier in merchant system>",
  "paymentMethod": "apmgw_Verified_SEPA_Payouts",
  "currencyCode": "EUR",
  "countryCode": "<2-letter ISO country code>"
}

The request returns a redirectUrl.

Example `/accountCapture` Response

{
  "internalRequestId": 42104051,
  "status": "SUCCESS",
  "errCode": 0,
  "reason": "",
  "merchantId": "1102398682906145682",
  "merchantSiteId": "228311",
  "version": "1.0",
  "sessionToken": "7b8a7498-9010-4354-872a-054eff611f43",
  "redirectUrl": "<redirect URL>",
  "userTokenId": "77ssss7777777"
}

Use redirectUrl to redirect the user to their bank’s website where they log in.

Once the information is captured, Nuvei stores the data in a userPaymentOptionId (UPO) identifier, and sends a Direct Merchant Notification (DMN) with the newly created userPaymentOptionId to urlDetails.notificationUrl, which Nuvei recommends including in the /accountCapture request.
If the merchant is not collecting the IBAN from users and a user has more than one IBAN with the bank, Nuvei creates the UPO using the first IBAN in the list. Using the apmPayerInfo information in the DMN, create an IBAN selection page. If the user selects a different IBAN than the IBAN Nuvei stored for the UPO, send an /editUPOAPM request to change the IBAN for the UPO.

Example `/accountCapture` DMN

...'ppp_status=OK&ExErrCode=&ErrCode=&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=&PPP_TransactionID=&userid=140059111&merchant_unique_id=&customData=&productId=&first_name=&last_name=&email=&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=DE&state=&city=&zip=&phone1=&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=&total_handling=&total_shipping=&total_tax=&buyButtonProductBundleId=&merchant_site_id=228311&merchant_status=&action=&requestVersion=&message=&merchantLocale=&unknownParameters=&payment_method=apmgw_Verified_SEPA_Payouts&ID=&merchant_id=1102398682906145682&responseTimeStamp=2024-07-08.11%3A20%3A21&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=&externalEmail=&cardCompany=&eci=&user_token_id=77ssss7777777&userPaymentOptionId=2153282131&TransactionID=&totalAmount=&dynamicDescriptor=&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&type=ACCOUNT_CAPTURE&clientRequestId=&relatedTransactionId=&apmPayerInfo=%5B%7B%22verifiable%22%3A%22true%22%2C%22currency%22%3A%22GBP%22%2C%22iban%22%3A%22GB08CLRB04066800003435%22%2C%22provider_id%22%3A%22mock%22%2C%22account_type%22%3A%22CURRENT%22%2C%22display_name%22%3A%22John+Smith%22%2C%22swift_bic%22%3A%22CPBKGB00%22%2C%22account_number%22%3A%2210000000%22%2C%22sort_code%22%3A%2201-21-31%22%7D%2C%7B%22verifiable%22%3A%22true%22%2C%22currency%22%3A%22GBP%22%2C%22iban%22%3A%22GB08CLRB04066800003435%22%2C%22provider_id%22%3A%22mock%22%2C%22account_type%22%3A%22CURRENT%22%2C%22display_name%22%3A%22Joint+Account%22%2C%22swift_bic%22%3A%22CPBKGB00%22%2C%22account_number%22%3A%2250000000%22%2C%22sort_code%22%3A%2201-21-31%22%7D%5D&responsechecksum=eb3501a6e6f06b8ee3cd6982839d378c&advanceResponseChecksum=107acd3d680818be7bdf6eb48c9b57d0&',

Send a /payout request with all of its mandatory parameters, including:
- userPaymentOptionId – Contains the user’s previously stored APM account details.
- userDetails class containing:
  - firstName
  - lastName
  - email

In addition, to minimize transactions held by the RFI process, the following parameters are mandatory :

- - birthdate
  - address (for example: 1 Hardwick Street)
  - city
  - zip

Press here for an example.

After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payout request.

Example `/payout` DMN with `Status`=APPROVED

...'ppp_status=OK&ExErrCode=&ErrCode=&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=&PPP_TransactionID=&userid=140059111&merchant_unique_id=&customData=&productId=&first_name=&last_name=&email=&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=DE&state=&city=&zip=&phone1=&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=&total_handling=&total_shipping=&total_tax=&buyButtonProductBundleId=&merchant_site_id=228311&merchant_status=&action=&requestVersion=&message=&merchantLocale=&unknownParameters=&payment_method=apmgw_Verified_SEPA_Payouts&ID=&merchant_id=1102398682906145682&responseTimeStamp=2024-07-08.11%3A20%3A21&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=&externalEmail=&cardCompany=&eci=&user_token_id=77ssss7777777&userPaymentOptionId=2153282131&TransactionID=&totalAmount=&dynamicDescriptor=&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&type=ACCOUNT_CAPTURE&clientRequestId=&relatedTransactionId=&apmPayerInfo=%5B%7B%22verifiable%22%3A%22true%22%2C%22currency%22%3A%22GBP%22%2C%22iban%22%3A%22GB08CLRB04066800003435%22%2C%22provider_id%22%3A%22mock%22%2C%22account_type%22%3A%22CURRENT%22%2C%22display_name%22%3A%22John+Doe%22%2C%22swift_bic%22%3A%22CPBKGB00%22%2C%22account_number%22%3A%2210000000%22%2C%22sort_code%22%3A%2201-21-31%22%7D%2C%7B%22verifiable%22%3A%22true%22%2C%22currency%22%3A%22GBP%22%2C%22iban%22%3A%22GB08CLRB04066800003435%22%2C%22provider_id%22%3A%22mock%22%2C%22account_type%22%3A%22CURRENT%22%2C%22display_name%22%3A%22Joint+Account%22%2C%22swift_bic%22%3A%22CPBKGB00%22%2C%22account_number%22%3A%2250000000%22%2C%22sort_code%22%3A%2201-21-31%22%7D%5D&responsechecksum=eb3501a6e6f06b8ee3cd6982839d378c&advanceResponseChecksum=107acd3d680818be7bdf6eb48c9b57d0&',

User Experience

The user is redirected to the provider’s website and selects a country.
The user selects a bank.
In some cases, the user selects a bank branch.
The user connects the bank account to the provider by granting one-time access.
The user is redirected to the bank’s website, logs in, and approves permission. For example, Sparkasse:
The withdrawal request is submitted and processed by Nuvei and the APM.