Direct Debit SEPA
Direct Debit SEPA is a simplified way of making payments across European countries.
This guide will take you step-by-step until you become accustomed to the SEPA payment method. And you will be able to use SEPA payments in your eCommerce shopping software successfully.
Usually, a Direct Debit SEPA payment method is a risky and non-guaranteed payment method. If you want a risk-free and guaranteed Direct Debit SEPA payment method, then please refer >> Direct Debit SEPA with payment guarantee <<
What is SEPA?
Direct debit SEPA is one of the most popular payment methods for Germans alongside purchase by invoice. The Single European Payment Area (SEPA), a Europe-wide standard direct debit procedure, has significantly simplified cross-border direct debits. SEPA direct debits enable uniform payment transactions within the European payments area with 34 participating countries so that payments can be processed just as easily as at home. Trust in the SEPA-enabled payment modules of Novalnet AG, so that your international payment transactions also function smoothly and you can continuously increase your turnover.
Supported Schemes
|
Name |
Direct debit (SEPA)
|
|
Payment Type |
|
|
Type |
DIRECT-DEBIT
|
|
Supported Countries |
 European Union (EU) |
|
Currencies |
EUR
|
Please note that some banks in countries outside the EU participate in the SEPA system, but this is on a bank-to-bank basis. If such a bank accepts SEPA direct debit bookings and if the country is neither a member of the EU nor of the EEA (European Economic Area), please note that submission of the BIC and the end customer address is mandatory (e.g. for Great Britain, Switzerland, Monaco and San Marino).
Try it yourself
There is no better way to learn and understand than to try it yourself. So, we have put together a Try it yourself module to experience SEPA payments in real-time.
You may enter the customer name and IBAN number in the payment form and hit the Pay button to see the live working procedures of SEPA Direct Debit. Just give it a go!
|
Test-IBAN
|
DE24 3002 0900 2411 7619 56
|
Payment API
The Payment API function performs all actions related to payments. The payment function mainly authorizes the payment details and can further capture payments immediately. When we say capture, it denotes that payment is processed successfully.
End point URL
|
Payment API
|
https://payport.novalnet.de/v2/payment
|
|
|
Authorize
|
https://payport.novalnet.de/v2/authorize
|
Read the api reference to learn more about parameters.
Return Debit Sepa
SEPA Direct Debit has a dispute process specially to reclaim funds.
In case of a scenario where the dispute takes place within eight weeks, then the customer is entitled to refunds with no questions asked.
However, if the dispute happens beyond eight weeks and within thirteen months, the customer could still dispute with his bank. Such disputes don’t guarantee refunds, yet shoppers will be entitled to a refund if the bank decides that the debit is unauthorized, customers will be entitled for a refund.
How do you wish to integrate Direct Debit SEPA?
Choose the integration type per your business model, but you need to enable Direct Debit SEPA in the Novalnet Admin Portal before that.
We take care of the technical and other formalities - i.e. the interface and the necessary acceptance agreement - to ensure your effort is kept to a minimum. The only thing is you need to select the integration type from the following options.