# SEPA Direct Debit

SEPA transactions can also be processed via the Saferpay JSON API, through a partnership with Intercard.

## General requirements

The handling of SEPA payments with Saferpay requires:

* A [corresponding license ](https://docs.saferpay.com/home/master/licensing)and thus a valid identification with a username and password for the Saferpay system.
* Availability of at least one active Saferpay terminal via which payment can be carried out and availability of the associated Saferpay TerminalId.
* A valid SEPA contract with Intercard.

{% hint style="info" %}
For SEPA activation on the Saferpay terminal and the necessary contract, please contact your Saferpay sales contact.
{% endhint %}

### Technical requirements

The general integration of SEPA Direct Debit can be done either via the [Payment Page](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/payment-page), or the Transaction Interface and requires the following things to be considered:

* SEPA makes it necessary to define a unique SEPA MandateId for each transaction. You -the merchant- have two options to deal with this requirement:
  *  You can define your own MandateId and submit it inside the **Payment.MandateId** parameter within the initialize request! **Make sure it is unique!**
  *  If **Payment.MandateId** is not used, Saferpay will use the Saferpay TransactionId as its replacement, which is unique. You can find this value inside the authorization response as **Transaction.Id**!
  * On the [Payment Page](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/payment-page), Saferpay will also display a mandate text, which the user has to agree to, before a payment can be made. If you use the transaction interface instead (see below), you must formulate and present a text yourself. The payer must agree to a SEPA mandate, or you are not allowed to carry out the payment!
* The Integration via the Transaction Interface is only possible via direct post, using [Authorize Direct](https://saferpay.github.io/jsonapi/#Payment_v1_Transaction_AuthorizeDirect).
  * In this case, you must also display your own mandate text!

Furthermore, for other flows (Refunds etc.), please refer to the table below.

### Supported features

| Feature                                                                                                                                                                                                         |                                                                Support                                                               |
| --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | :----------------------------------------------------------------------------------------------------------------------------------: |
| [Capture](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/capture-and-daily-closing)/[Cancel](https://docs.saferpay.com/home/licences-and-interfaces/capture-and-daily-closing#cancel) |                                                                   ✅                                                                  |
| Multipart Captures                                                                                                                                                                                              |                                                                   ❌                                                                  |
| [Secure Card Data](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/secure-card-data)                                                                                                   |                                                                   ✅                                                                  |
| Refunds                                                                                                                                                                                                         | <p>✅</p><p><a href="../licences-and-interfaces/transaction-interface/refunds/sepa-refunds"><strong>Needs attention!</strong></a></p> |
| [Recurring Payments](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/transaction-interface/recurring-payments)                                                                         |                                                                   ✅                                                                  |
| 3D Secure                                                                                                                                                                                                       |                                                                   ❌                                                                  |
| Dynamic Currency Conversion                                                                                                                                                                                     |                                                                   ❌                                                                  |
| Mail Phone Order                                                                                                                                                                                                |                                                                   ❌                                                                  |
| [Testing](#testing)                                                                                                                                                                                             |                                                                   ✅                                                                  |
| Omni-Channel                                                                                                                                                                                                    |                                                                   ❌                                                                  |

## Testing

Please refer to [this chapter](https://docs.saferpay.com/home/testing-and-go-live#sepa-direct-debit), if you want to test SEPA Direct Debit.