SEPA Refunds

Saferpay does offer the possibility to accept refunds for certain SEPA-based payment methods. However, those need special attention. SEPA does not natively support refunds. Due to this, Saferpay offers a workaround to make manual SEPA refunds easier for the merchant.

Supported payment methods

The following payment methods are supported:

• SEPA Direct Debit

• SOFORT by Klarna

Activation

Before you -the merchant- can start accepting refunds, they need to be activated inside the Saferpay Backoffice:

(click to enlarge)

Executing refunds

Once the activation has been done, you can execute refunds, like any other payment method. Either via API or inside the Saferpay Backoffice.

When using the API, please make sure to use the Referenced Refund method, as the Alias method can lead to issues.

Uploading the refunds into your online-banking

This is where SEPA refunds deviate from other payment methods, like credit cards. As mentioned before, SEPA does not offer direct refunds via the processing itself. This is why Saferpay first collects all executed refunds inside the Backoffice:

(click to enlarge)

These refunds then need to be exported into a special XML file, which can be done right there inside the Backoffice. The created XML-file can then be uploaded into your online banking-portal, which executes these refunds in a batch, eliminating the need perform them manually.

This XML file follows ISO 20022. Also see official message-specification.

3KB

RefundExportExample.xml

Open

Example File

SEPA-refund-files from the test-environment cannot be uploaded into online-banking portals, since they only contain test-data, thus non-valid IBANs!

It may be necessary to contact your bank, to activate this import-feature! Some also may not offer it at all!