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 with the paymentType parameter set to SEPA.

  3. Multi-use payment handle token gets created in PAYABLE status after mandate reference number validations. Mandate reference along with status "PENDING" 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. 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 + Payments

For SEPA Payment, the settleWithAuth parameter must be set to true.

SEPA Payment for an existing Customer with new Mandate

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 same bank details with the new MANDATE and the paymentType parameter set to SEPA.

  2. Multi-use payment handle token gets created in PAYABLE status after mandate reference number validations. Mandate reference along with status "PENDING" is returned in response.

  3. Use the multi-use paymentHandleToken returned in response to process the Payment request – the settleWithAuth parameter must be set to true in this case. Merchant can use the flag payOnActiveMandates as true to block the payments on non active mandates. Default value for payOnActiveMandates is false.

  4. After 7 days, once the mandate becomes Active, the payment status will become COMPLETED, and a webhook notification will be sent to the merchant. Merchant will receive webhooks for the changes in the mandate status as well.

  5. 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: Multi-use Payment Handle for Customer + Payments

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