SEPA

The Paysafe Payments API supports SEPA as a Payment Instrument. You can process SEPA payments using the Payments API.

Typical Scenarios

SEPA Payment for a new Customer

When you want to process a SEPA Payment for a new Customer, you would do the following:

  1. Create a new customer using the merchantCustomerId and other details.

  2. Create a multi-use Payment Handle for the customer using the customer's bank account details and the paymentType parameter set to SEPA.

  3. Multi-use payment handle token gets created in PAYABLE status.

  4. Add a mandate to the multi-use paymentHandle returned in response.

    You can add multiple mandates to a multi-use payment handle. Mandate is added to the multi-use payment handle after mandate reference number validations. Mandate reference, mandate id, mandate status (ACTIVE) is returned in response.

  5. Use the multi-use paymentHandleToken returned in response to process the Payment request – the settleWithAuth parameter must be set to true in this case.

  6. The payment gets successful only in the below cases:

    • At least one mandate should be added to the Payment handle, and it should be in the ACTIVE state.
    • If there are multiple Mandates in the ACTIVE state, you should pass the mandate Id in the payment request; else, the payment will fail.
    • The payment will be created with COMPLETED status.
  7. After setting payment status to COMPLETED, settlement resource will be created in PENDING, and respective webhook notification will be sent to the merchant. The settlement will be batched in the next batch. After settlement gets batched, it will be set to COMPLETED, and the respective webhook will be sent to the merchant.

APIs to use: Customer + Multi-use Payment Handle for Customer + Assign Mandate + Payments

If a return is received after the transaction is completed, the status of the transaction is updated subsequently.

For SEPA Payment, the settleWithAuth parameter must be set to true.
StandaloneCredits are not supported for SEPA

SEPA Payment for an existing Customer

When the merchant wants to process a SEPA payment request for a new customer, you would do the following:

  1. Create a multi-use Payment Handle for the customer using the customer's bank account details and with the paymentType parameter set to SEPA.

  2. Multi-use payment handle token gets created in PAYABLE status.

  3. Add a mandate to the multi-use paymentHandle returned in response.

    You can add multiple mandates to a multi-use payment handle. Mandate is added to the multi-use payment handle after mandate reference number validations. Mandate reference, mandate id, mandate status (ACTIVE) is returned in response.

  4. Use the multi-use paymentHandleToken returned in response to process the Payment request – the settleWithAuth parameter must be set to true in this case.

  5. The payment gets successful only in the below cases:

    • At least one mandate should be added to the Payment handle, and it should be in the ACTIVE state.
    • If there are multiple Mandates in the ACTIVE state, you should pass the mandate Id in the payment request; else, the payment will fail.
    • The payment will be created with COMPLETED status.
  6. Settlement resource will be created in PENDING, and respective webhook notification will be sent to the merchant. The settlement will be batched in the next batch. After settlement gets batched, it will be set to COMPLETED, and the respective webhook will be sent to the merchant.

APIs to use: Multi-use Payment Handle for Customer + Assign Mandate + Payments

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