SEPA Direct Debit¶
SEPA (Single Euro Payments Area) is a payment-integration initiative of the European Union that facilitates standardized and simplified electronic payments in euros across participating countries.
SEPA Direct Debit (SDD) is a payment provider that allows future payments to be collected from customers» bank accounts based on a signed SEPA Direct Debit mandate. This mandate authorizes the recipient to automatically initiate one-time or recurring payments using SDD.
Important
To use the SEPA Direct Debit (SDD) payment provider and create SEPA Direct Debit mandates:
The invoice being paid must be for an amount in euros.
The SEPA Direct Deposit (SDD) feature must be enabled, and the company’s Creditor Identifier must be defined in the Accounting or Invoicing settings.
To configure SEPA Direct Debit:
In the Configuration tab, select whether the memo or Communication to be displayed alongside the payment instructions should be:
Based on Document Reference: the sales order or invoice number
Based on Customer ID: the customer identifier
Select the Enable QR codes check box to activate QR code payments.
Notă
Additional accounting setup is required to use QR codes.
Edit the default payment instructions in the Messages tab to include your bank account number. These instructions are displayed at the end of the checkout process on your ecommerce website or on the customer portal.
Setați câmpul State la Activat.
Important
Leave the Currencies field set to the default EUR tag to ensure SDD is only available for payments in euros.
The Bank Account defined for the Payment Journal must be a valid IBAN.
Sfat
You can also test SEPA direct debit payments using the Mod test.
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Online payments with SDD¶
Customers selecting SDD as a payment method are prompted to enter their IBAN to complete the SEPA Direct Debit mandate.
The SDD mandate is then automatically created in Draft based on the provided IBAN. To validate the information, customers must confirm each new mandate with a successful bank transfer of the expected amount using the specified payment reference (communication). Once this initial payment is received and reconciled, the mandate is automatically validated and updated to the Active status. Once a mandate is active, it is reused for all subsequent payments made with the SDD payment method. You can then collect them by uploading them to your online banking interface.