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payment_methods:sepa_direct_debit:start [2017-07-04 10:53]
lkn [Additional optional request parameters]
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. 
  
-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>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>
  
  
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 ^ 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). \\ If no ''creditorId'' is transmitted, the ''creditorId'' which was forwarded to us by the merchant is used instead. \\ Note that an **error** will occur if the ''creditorId'' **is missing**.  |  +| [[#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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 <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>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>
  
-Since the due date is always calculated by Hobex there is no need to use the parameter ''dueDate''.+<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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