Last changes: 10-28-2022

SEPA Direct Debit is a pull based and asynchronous payment method. Once given a mandate by your customer it is you who initiates the payment. Following this, there is usually a delay between 2-5 business days before the payment is actually settled.

You can capture the authorized amount in a single API request as depicted in the payment flow below.

1. API Capture Request and Response

The previously authorized transaction is identified by the "uniqueReference". Set at most the same amount as initially authorized under the "modifiedAmount" parameter in the API method 1.29 Capture.

Capture Request


POST {baseURL}/payment/BNkk4BRkQEufPSvgf9lDwA/capture


Content-Type: application/json
Accept-Language: en-US
X-Auth-Token: eyJhbGciOiJSUzI1NiI{abbreviated}RW5kVG9rZW4=

  "modifiedAmount": 3.99,
  "modifiedAmountCurrCode": "EUR",
  "localDate": "2018-10-22",
  "localTime": "172047" 

Capture Response

In the case of a successful completed Guest Payment the status code should return “CAPTURED” (see example above).

2. Clearing

After the Capture request, the Creditor initiates the Clearing process. All necessary payment and mandate information are transmitted, reconciled and confirmed by both banks. This may include the netting of orders and the establishment of final positions for settlement. Since SEPA Direct Debit payments are bank-to-bank, there are no card networks involved in the SEPA Direct Debit scheme and all communication happens directly between the banks.

3. Settlement

The Settlement describes the completion of a SEPA Direct Debit transaction. Through transfer of funds from the customer’s bank to the Creditor, the participant’s obligations are discharged.

4. Transfer to the Program Account

The Creditor processes the payment and transfers the modified amount to Program Account of a Digital Marketplace. This account is also known as the clearing account, as all funds must pass through it as part of the conversion from fiat to electronic money. Accordingly the payment is transferred to the Program Account first.

5. Transfer to the Merchant Account

With the Account Number specified in the first step of the Authorization, the payment is subsequently transferred from the Program Account to the corresponding Merchant Account.

With that, the payment process is completed.