SEPA Direct Debit for Payment Setup API

Last updated: August 12, 2026

To accept SEPA Direct Debit payments, you must:

Create a payment setup.
Update the payment setup with the payment details.
Confirm the payment.

Before you collect a SEPA Direct Debit payment, the customer must sign a mandate that authorizes you to debit their account, and you must send them a pre-notification before you debit any funds. These requirements come from the European Payments Council (EPC). For full instructions on setting up a mandate and sending a pre-notification, see Set up the mandate and Send a pre-notification.

If you already have a mandate ID, for example, from an existing payment instrument, provide it in payment_methods.sepa.mandate.id when you update the payment setup, rather than collecting a new signature.

Call the Create a payment setup endpoint.

Information

The Payment Setup API supports idempotency. You can safely retry API requests without the risk of duplicate requests.

Information

Your base URL's {prefix} value is unique to your account and environment. To learn how to retrieve your base URLs for the sandbox and production environments, see API endpoints.

post

https://{prefix}.api.checkout.com/payments/setups


1{
2  "processing_channel_id": "pc_wzjki6hw5puepb5fnvqlizj2e4",
3  "currency": "EUR",
4  "amount": 10000,
5  "reference": "ORDER_01234",
6  "description": "SEPA Direct Debit payment",
7  "payment_type": "regular",
8  "settings": {
9    "success_url": "https://example.com/payments/success",
10    "failure_url": "https://example.com/payments/failure"
11  }
12}

In the request body, provide the following:

processing_channel_id – The processing channel's unique identifier
amount – The payment amount
currency – The payment currency


1{
2  "id": "set_rcmepwrchqab2wsergcafvijfy",
3  "processing_channel_id": "pc_wzjki6hw5puepb5fnvqlizj2e4",
4  "amount": 10000,
5  "currency": "EUR",
6  "payment_type": "regular",
7  "reference": "ORDER_01234",
8  "description": "SEPA Direct Debit payment",
9  "payment_methods": {
10    "sepa": {
11      "status": "ready",
12      "flags": []
13    }
14  },
15  "available_payment_methods": [
16    "sepa"
17  ],
18  "settings": {
19    "success_url": "https://example.com/payments/success",
20    "failure_url": "https://example.com/payments/failure"
21  }
22}

The response returns a payment_methods object, which contains the payment methods enabled on your account.

For SEPA Direct Debit, payment_methods contains the following fields:

status – The status of the payment method. For SEPA Direct Debit, the status can be:
- ready
- unavailable
- invalid
flags – An array of error codes or indicators that highlight missing or invalid information.

When the customer selects SEPA Direct Debit as the payment method on the checkout page, collect their account and mandate details and call the Update a payment setup endpoint to submit them.

Additionally, provide the following fields:

Field Description

Field	Description
`payment_methods.sepa.account_holder` object	The account holder's information. Required
`payment_methods.sepa.account_holder.type` string	The account holder type. Supported values: `individual` `corporate` Required
`payment_methods.sepa.account_number` string	The account holder's IBAN (International Bank Account Number). Required
`payment_methods.sepa.country` string	The account holder's country, as an ISO 3166-1 alpha-2 country code. Min length: 2 Max length: 2 Required
`payment_methods.sepa.currency` string	The account holder's account currency. Min length: 3 Required
`payment_methods.sepa.account_holder.company_name` string	The account holder's company name. Max length: 50 Conditional – Required if `payment_methods.sepa.account_holder.type` is `corporate`.
`payment_methods.sepa.account_holder.first_name` string	The account holder's first name. Max length: 50 Conditional – Required if `payment_methods.sepa.account_holder.type` is `individual`.
`payment_methods.sepa.account_holder.last_name` string	The account holder's last name. Max length: 50 Conditional – Required if `payment_methods.sepa.account_holder.type` is `individual`.
`payment_methods.sepa.mandate.date_of_signature` string	The date the customer signed the mandate. Format: `date` Conditional – Required if `payment_methods.sepa.mandate.id` is not provided.
`payment_methods.sepa.mandate` object	The mandate information.
`payment_methods.sepa.mandate.id` string	The identifier of an existing mandate. Provide this field if you already have a mandate ID, for example, from a stored payment instrument, instead of collecting a new signature.
`payment_methods.sepa.mandate.type` string	The mandate type. Align this value with `payment_methods.sepa.account_holder.type`: use `core` for an `individual` account holder, and `b2b` for a `corporate` account holder. Supported values: `core` `b2b`

payment_methods.sepa.account_holder

object

The account holder's information.
Required

payment_methods.sepa.account_holder.type

string

The account holder type.
Supported values:

individual
corporate

Required

payment_methods.sepa.account_number

string

The account holder's IBAN (International Bank Account Number).
Required

payment_methods.sepa.country

string

The account holder's country, as an ISO 3166-1 alpha-2 country code.
Min length: 2
Max length: 2
Required

payment_methods.sepa.currency

string

The account holder's account currency.
Min length: 3
Required

payment_methods.sepa.account_holder.company_name

string

The account holder's company name.
Max length: 50
Conditional – Required if payment_methods.sepa.account_holder.type is corporate.

payment_methods.sepa.account_holder.first_name

string

The account holder's first name.
Max length: 50
Conditional – Required if payment_methods.sepa.account_holder.type is individual.

payment_methods.sepa.account_holder.last_name

string

The account holder's last name.
Max length: 50
Conditional – Required if payment_methods.sepa.account_holder.type is individual.

payment_methods.sepa.mandate.date_of_signature

string

The date the customer signed the mandate.
Format: date
Conditional – Required if payment_methods.sepa.mandate.id is not provided.

payment_methods.sepa.mandate

object

The mandate information.

payment_methods.sepa.mandate.id

string

The identifier of an existing mandate. Provide this field if you already have a mandate ID, for example, from a stored payment instrument, instead of collecting a new signature.

payment_methods.sepa.mandate.type

string

The mandate type. Align this value with payment_methods.sepa.account_holder.type: use core for an individual account holder, and b2b for a corporate account holder.
Supported values:

core
b2b


1{
2  "processing_channel_id": "pc_wzjki6hw5puepb5fnvqlizj2e4",
3  "currency": "EUR",
4  "amount": 10000,
5  "reference": "ORDER_01234",
6  "description": "SEPA Direct Debit payment",
7  "payment_type": "regular",
8  "settings": {
9    "success_url": "https://example.com/payments/success",
10    "failure_url": "https://example.com/payments/failure"
11  },
12  "payment_methods": {
13    "sepa": {
14      "account_holder": {
15        "type": "individual",
16        "first_name": "Ali",
17        "last_name": "Farid"
18      },
19      "account_number": "FR7630006000011234567890189",
20      "country": "FR",
21      "currency": "EUR",
22      "mandate": {
23        "type": "core",
24        "date_of_signature": "2026-03-22"
25      }
26    }
27  }
28}


1{
2  "id": "set_rcmepwrchqab2wsergcafvijfy",
3  "processing_channel_id": "pc_wzjki6hw5puepb5fnvqlizj2e4",
4  "amount": 10000,
5  "currency": "EUR",
6  "payment_type": "regular",
7  "reference": "ORDER_01234",
8  "description": "SEPA Direct Debit payment",
9  "payment_methods": {
10    "sepa": {
11      "status": "ready",
12      "flags": []
13    }
14  },
15  "available_payment_methods": [
16    "sepa"
17  ],
18  "settings": {
19    "success_url": "https://example.com/payments/success",
20    "failure_url": "https://example.com/payments/failure"
21  }
22}

The response returns a ready status when the payment details have been successfully validated. The payment is ready to confirm.

When the payment status changes to ready, confirm the payment by calling the Confirm a payment setup endpoint and provide:

The payment setup id as the {id} path parameter.
sepa as the {payment_method_name} path parameter.

post

https://{prefix}.api.checkout.com/payments/setups/{id}/confirm/sepa

A successful response returns a latest.payment_id that you can use to track the payment.

SEPA Direct Debit for Payment Setup API

Create a payment setup

Information

Information

Request example

Response example

Update the payment setup

Request example

Response example

Confirm the payment