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payment_methods:sepa_direct_debit:start [2016-11-15 15:09]
lkn [SEPA Direct Debit and Hobex]
payment_methods:sepa_direct_debit:start [2020-10-28 07:31] (current)
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 With SEPA, creditors may collect payments in Euro both domestically and in other SEPA member countries. With SEPA, creditors may collect payments in Euro both domestically and in other SEPA member countries.
  
-SEPA Direct Debit is based on the following concept: both debtor and creditor must hold an account with a financial service provider located within the SEPA area. Altough the accounts may be in Euro or in any other SEPA currency, the transfer of money between the debtor´s bank and the creditor´s bank always takes place in Euro. For SEPA Direct Debit transactions, the debtor must grant a mandate to the creditor. By signing the mandate, the creditor is authorized to collect the relevant payments and to instruct the debtor´s bank to pay the relevant funds. +SEPA Direct Debit is based on the following concept: both debtor and creditor must hold an account with a financial service provider located within the SEPA area. Although the accounts may be in Euro or in any other SEPA currency, the transfer of money between the debtor´s bank and the creditor´s bank always takes place in Euro. For SEPA Direct Debit transactions, the debtor must grant a mandate to the creditor. By signing the mandate, the creditor is authorized to collect the relevant payments and to instruct the debtor´s bank to pay the relevant funds. 
  
-SEPA Direct Debit is used for single (one-off) or reccurring direct debit collections.+SEPA Direct Debit is used for single (one-off) or recurring direct debit collections.
  
-To obtain further information please visit [[http://www.europeanpaymentscouncil.eu/content.cfm?page=sepa_direct_debit_(sdd)|European Payments Council]] and the official page of the [[http://ec.europa.eu|European Commission]].+For further informationvisit [[https://www.europeanpaymentscouncil.eu/about-sepa|European Payments Council]].
  
  
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 If Wirecard Bank is your chosen acquirer, you directly draw the direct debit and the funds are paid directly to your merchant account.  If Wirecard Bank is your chosen acquirer, you directly draw the direct debit and the funds are paid directly to your merchant account. 
 +
 +<note>The **SEPA Direct Debit mandate form**, i.e. to request authorization from your consumers allowing you to collect future payments from them at any time, has to be **created and displayed by the merchant**.</note>
 +
  
 ==== Additional optional request parameters ==== ==== Additional optional request parameters ====
  
 ^ Parameter            ^ Within fingerprint  ^ Data type  ^ Short description  ^ ^ Parameter            ^ Within fingerprint  ^ Data type  ^ Short description  ^
-| [[#creditorId]]           | Required if used.    | Alphanumeric with a variable length of up to 35.   | Unique identifier of creditor (merchant). |  +| [[#creditorId]]           | Required if used.    | Alphanumeric with a variable length of up to 35.   | Unique identifier of creditor (merchant). \\ If the ''creditorId'' is not set, the ''creditorId'' which was forwarded to us by the merchant is used instead.  |  
-| [[#dueDate]]              | Required if used.    | Date as "DD.MM.YYYY"                                | Date when payment is debited from consumer's bank account.\\ The due date is calculated by merchant or, if the field is left empty, Wirecard will automatically calculate the due date.    | +| [[#dueDate]]              | Required if used.    | Date as "DD.MM.YYYY"                                | Date when payment is debited from consumer's bank account.\\ The ''dueDate'' is calculated by merchant or, if the field is left empty, Wirecard will automatically calculate the due date.    | 
-| [[#mandateId]]            | Required if used.    | Alphanumeric with a variable length of up to 35.   | Identifier of displayed mandate. | +| [[#mandateId]]            | Required if used.    | Alphanumeric with a variable length of up to 35.   | Identifier of displayed mandate. \\ If the ''mandateId'' is not set, Wirecard will generate a ''mandateId'' for you. | 
-| [[#mandateSignatureDate]] | Required if used.    | Date as "DD.MM.YYYY" | Date when mandate was signed. |+| [[#mandateSignatureDate]] | Required if used.    | Date as "DD.MM.YYYY" | Date when mandate was signed. \\ If the ''mandateSignatureDate'' is not set, Wirecard will use the current date as signature date. |
  
-==== Additional response parameters returned for successful payments ====+==== Additional response parameters ==== 
 + 
 +^ Parameter         ^ Data type  ^ Short description  ^ 
 +| bankBic    | Alphanumeric with a variable length of up to 15 characters. | BIC of bank. | 
 +| bankAccountIban   | Alphanumeric with a variable length of up to 34 characters.  | IBAN of account. |  
 +| bankAccountOwner  | Alphanumeric with special characters and a variable length of 1 to 255 characters. | Name of owner of account. | 
 + 
 +=== Additional response parameters returned for successful payments ===
  
 ^ Parameter     ^ Data type        ^ Short description  ^ ^ Parameter     ^ Data type        ^ Short description  ^
 | [[#creditorId]]    | Alphanumeric with a variable length of up to 35.  | Unique identifier of creditor (merchant). | | [[#creditorId]]    | Alphanumeric with a variable length of up to 35.  | Unique identifier of creditor (merchant). |
 | [[#dueDate]]       | Date as "DD.MM.YYYY"         | Date when payment is debited from consumer's bank account.  |  | [[#dueDate]]       | Date as "DD.MM.YYYY"         | Date when payment is debited from consumer's bank account.  | 
-| [[#mandateId]]     | Alphanumeric with a variable length of up to 35.    | Identifier of displayed mandate. If request parameter mandateId is not set we will generate the mandate ID for you. | +| [[#mandateId]]     | Alphanumeric with a variable length of up to 35.    | Identifier of displayed mandate. | 
-| [[#mandateSignatureDate]] | Date as "DD.MM.YYYY" | Date when the mandate was signed by the consumer. If not given by the merchant we use the current date as signature date. |+| [[#mandateSignatureDate]] | Date as "DD.MM.YYYY" | Date when the mandate was signed by the consumer. |
  
  
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 Wirecard Bank offers you the possibility to carry out a two-step process in the [[pmc:start|Wirecard Payment Center]], as well as in [[back-end_operations:transaction-based:start|transaction-based operations]] for Wirecard Checkout Page and Wirecard Checkout Seamless.  Wirecard Bank offers you the possibility to carry out a two-step process in the [[pmc:start|Wirecard Payment Center]], as well as in [[back-end_operations:transaction-based:start|transaction-based operations]] for Wirecard Checkout Page and Wirecard Checkout Seamless. 
  
-This two-step process allows you to distinguish between approved payments and deposited payments and perform certain actions for each of them. You have the possibility to decide when to deposit amounts that have already been approved. Furthermore, it is possible to deposit the approved amount, as well as less or more than the approved amount. This feature enables you to implement business processes like accounting the current daily price when the goods are delivered after manufactoring and not the price when your consumer orders the goods in your shop.+This two-step process allows you to distinguish between approved payments and deposited payments and perform certain actions for each of them. You have the possibility to decide when to deposit amounts that have already been approved. Furthermore, it is possible to deposit the approved amount, as well as less or more than the approved amount. This feature enables you to implement business processes like accounting the current daily price when the goods are delivered after manufacturing and not the price when your consumer orders the goods in your shop.
  
 This two-step process allows for the following additional operations and functions: This two-step process allows for the following additional operations and functions:
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 If Hobex is your chosen acquirer, Hobex instead of you draws the direct debits from the debtor´s bank to one joint account. Therefore, no individual creditor IDs are available for you and any value within the request parameter ''creditorId'' will be ignored. If Hobex is your chosen acquirer, Hobex instead of you draws the direct debits from the debtor´s bank to one joint account. Therefore, no individual creditor IDs are available for you and any value within the request parameter ''creditorId'' will be ignored.
  
-Since the due date is always calculated by Hobex there is no need to use the parameter ''dueDate''.+<note>Note that SEPA Direct Debit and Hobex is only possible for German, Austrian and Dutch banks.</note> 
 + 
 +<note>Also be aware that the back-end operation **''recurPayment'' may only be carried out** using SEPA Direct Debit and Hobex if the bank involved in the **initial payment** is located in **Germany, Austria or the Netherlands**.</note> 
 + 
 +<note>Since the due date is always calculated by Hobex there is no need to use the parameter ''dueDate''.</note> 
 + 
 +<note>The **SEPA Direct Debit mandate form**, i.e. to request authorization from your consumers allowing you to collect future payments from them at any time, is always **created and displayed by Wirecard**.</note>
  
 ==== Additional optional request parameters ==== ==== Additional optional request parameters ====
  
 ^ Parameter            ^  Within fingerprint  ^ Data type  ^ Short description  ^ ^ Parameter            ^  Within fingerprint  ^ Data type  ^ Short description  ^
-| [[#mandateId]]            | Required if used    | Alphanumeric with a variable length of up to 35.   | Identifier of displayed mandate. | +| [[#mandateId]]            | Required if used    | Alphanumeric with a variable length of up to 35.   | Identifier of displayed mandate. \\ If the ''mandateId'' is not set, Wirecard will generate a ''mandateId'' for you. | 
-| [[#mandateSignatureDate]] | Required if used    | Date as DD.MM.YYYY | Date when mandate was signed. |+| [[#mandateSignatureDate]] | Required if used    | Date as DD.MM.YYYY | Date when mandate was signed. \\ If the ''mandateSignatureDate'' is not set, Wirecard will use the current date as signature date. |
  
  
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 | [[#creditorId]]    | Alphanumeric with a variable length of up to 35.  | Unique identification of creditor (always Hobex). | | [[#creditorId]]    | Alphanumeric with a variable length of up to 35.  | Unique identification of creditor (always Hobex). |
 | [[#dueDate]]       | Date as DD.MM.YYYY         | Date when payment is debited from consumer's bank account (calculated by Hobex).  |  | [[#dueDate]]       | Date as DD.MM.YYYY         | Date when payment is debited from consumer's bank account (calculated by Hobex).  | 
-| [[#mandateId]]     | Alphanumeric with a variable length of up to 35    | Identifier of the displayed mandate. If request parameter mandateId is not set we will generate the mandate ID for you. | +| [[#mandateId]]     | Alphanumeric with a variable length of up to 35    | Identifier of the displayed mandate. | 
-| [[#mandateSignatureDate]] | Date as DD.MM.YYYY | Date when the mandate was signed by the consumer. If not given by the merchant we use the current date as signature date. |+| [[#mandateSignatureDate]] | Date as DD.MM.YYYY | Date when the mandate was signed by the consumer. |
  
 ===== Optional request parameters ===== ===== Optional request parameters =====
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 ==== dueDate ==== ==== dueDate ====
 +
 The parameter ''dueDate'' defines the day when payment is debited from the consumer's bank account.  The parameter ''dueDate'' defines the day when payment is debited from the consumer's bank account. 
  
 === Hobex and due date calculation === === Hobex and due date calculation ===
 If you choose Hobex as your acquirer, Hobex calculates the due date for you.  If you choose Hobex as your acquirer, Hobex calculates the due date for you. 
- 
  
 === Wirecard Bank and due date calculation === === Wirecard Bank and due date calculation ===
 +
 If you choose Wirecard Bank as your acquirer, there are two possibilities to calculate the due date: If you choose Wirecard Bank as your acquirer, there are two possibilities to calculate the due date:
   - The due date is calculated by Wirecard.     - The due date is calculated by Wirecard.  
-  - The due date is calculated by you.+  - The due date is calculated by the merchant.
  
-==Due date calculated by Wirecard==+**Due date calculated by Wirecard**
  
-When the value of parameter ''dueDate'' in the request is left empty, Wirecard will calculate the best (earliest) due date for you automatically. In order to keep processing times transparent for all transactions within SEPA, a transaction’s due date has  +Wirecard can calculate the best (earliest) due date for the merchant. When the value of parameter ''dueDate'' in the request is left empty, Wirecard will calculate the due date for the merchant automatically.
-been clearly defined: +
-  * One-off and initial direct debit payments must be submitted by Wirecard to the paying agent five (5) banking days before the due date.  +
-  * Submission of recurring payments must occur two (2) banking days before the due date.+
  
-  Exception for transactions within Germany +**Due date calculated by the merchant**
-    If your bank account AND the consumer’s bank account are both German, all debit payments (one-off, initial, recurring, and final) are to be submitted three (3) banking days before the due date.  +
-    You may still calculate the due date and choose to send in a transaction later than three (3) days before the due date since Wirecard will always validate a due date if one is sent in with the transaction request.+
  
 +The merchant may choose to calculate and send the parameter ''dueDate'' in the request if a specific date is requested. This date may only be used if it passes validation. If validation is not passed, Wirecard will return a failed transaction and the transaction must be re-submitted
  
-==Due date calculated by you==+**Wirecard cannot replace an incorrect due date** sent in by the merchant with a correct due date calculated by Wirecard as this would change the content of the transaction sent in by the merchant.
  
-If you choose to calculate and send the parameter ''dueDate''it is necessary to take into consideration the European Central Bank’s Target 2 Calendar which specifies all non-banking days. These include:+<note tip>In order to keep processing times transparent for all transactions within SEPA, a transaction’s due date has been clearly defined. If the merchant chooses to specify a due date, it is important to ensure all payments are submitted on time and are processed correctly. Wirecard requires merchants to submit **all transactions, regardless of sequence type, at least three (3) banking days before the due date**. 
 + 
 +This is not a requirement, but an option. If a merchant chooses to send in a transaction later than the earliest possible due datethis is possible. Wirecard will always validate a due date if one is sent in with the transaction request. 
 + 
 +The transaction request must be received by Wirecard no earlier than 14 calendar days before the due date. 
 + 
 +It is also necessary for the merchant to take into consideration the European Central Bank’s Target 2 Calendar which specifies all non-banking days. These include:
   * Saturdays and Sundays   * Saturdays and Sundays
   * New Year's Day   * New Year's Day
   * Good Friday   * Good Friday
   * Easter Monday   * Easter Monday
-  * 1st of May (Labour Day)+  * May (Labour Day)
   * Christmas Day   * Christmas Day
-  * 26th of December +  * 26 December 
- +</note>
-Wirecard requires you to submit one-off and initial direct debit payments seven (7) banking days before the due date. +
- +
-Furthermore it is important to ensure all payments are submitted on time and are processed correctly. The transaction request must be received by Wirecard no earlier than 14 banking days before the due date. +
- +
-The calculated due date, however, may only be used if it passes validation. If validation is not passed, Wirecard will return a failed transaction and the transaction must be re-submitted.  +
- +
-Wirecard is not able to replace an incorrectly computed due date with a correct due date.+
  
 ===== Back-end operations ===== ===== Back-end operations =====

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