SEPA Payments

SEPA is an e-commerce payment system used in the Eurozone that allows payers to purchase using direct debit payments from their bank account. Payers are redirected to PPRO, the payer accepts the mandate displayed on-screen, triggering a pre-notification of payment via e-mail and the payment debited from their account.

SEPA is a supported browser payment method in the MasterCard Payment Gateway. This page describes integration details specific to SEPA. It's recommended that you read the integration guidelines for browser payments, before building a SEPA integration.

SEPA browser payments are only supported for transactions in the EUR currency.

Prerequisites

To offer SEPA as a payment method via the MasterCard Payment Gateway:

  • You must be registered with your browser payments service provider.
  • Your merchant profile on the gateway must be configured using the details of your account with the browser payments service provider.
  • You must have a bank account in one of the supported currencies registered against your merchant account at your browser payments service provider.

SEPA Integration

SEPA via Hosted Checkout

SEPA via Hosted Checkout will be available soon. Please contact your payment service provider for further information.

SEPA via Direct Payment

Direct Payment integration allows you to offer SEPA payment method on your own checkout page.

SEPA is supported from API version 47 onwards.

In addition to the standard fields required in a browser payment request, provide the following fields in the Initiate Browser Payment request:

  • sourceOfFunds.type = SEPA
  • browserPayment.operation = PAY (the Authorize operation is not supported by SEPA)
  • customer.email: The email address of the payer.
  • sourceOfFunds.provided.sepa.bankAccountHolder: The name of the bank account holder for the payer's bank account.
  • sourceOfFunds.provided.sepa.iban: The International Bank Account Number (IBAN) for the payer's bank account.

Preferred Language

You can set the language that you prefer SEPA to use for pages displayed to the payer by providing the browserPayment.preferredLanguage field in the Initiate Browser Payment request. However, the language will be used only if SEPA supports it.

Chargebacks

SEPA payments are at risk of chargebacks. If a payer disputes a payment and successfully creates a chargeback through their bank, this event will be reflected in the gateway and the reason provided in the transaction.dispute.reason field. For more information, see chargeback transaction.

Sample Code to Initiate SEPA Payment
{
    "apiOperation":"INITIATE_BROWSER_PAYMENT",
    "browserPayment":{
    "operation":"PAY",
    "returnUrl":"https://<return_url>"
},
    "customer": {
    "email": "john.smith@example.com"
  },
  "order": {
    "amount": "10.00",
    "currency": "EUR"
  },
  "sourceOfFunds": {
    "type": "SEPA",
    "provided": {
      "sepa": {
        "iban": "GB33BUKB20201555555555",
        "bankAccountHolder": "John Smith"
      }
    }
  }
}

How to Interpret the Transaction Result

The table below shows the transaction response codes for the possible scenarios you may encounter after initiating a SEPA payment.

Initiate Browser Payment Response
What This Means...
response.gatewayCode=SUBMITTED
result=SUCCESS
Redirect the payer using the URL provided in the response.
Retrieve Transaction/Retrieve Order Response
What This Means...
response.gatewayCode=APPROVED
result=SUCCESS
sourceOfFunds.provided.sepa.bankAccountHolder
sourceOfFunds.provided.sepa.iban sourceOfFunds.provided.sepa.bic
The payment is successful.
response.gatewayCode=PENDING
result=PENDING
The MasterCard Payment Gateway is waiting for a notification from the acquirer about the payment result. Try RETRIEVE_TRANSACTION again later or listen to notifications from the MasterCard Payment Gateway.
response.gatewayCode=CANCELLED
result=FAILURE
The payer has cancelled the interaction for this payment. Offer the payer the option to try another payment method.
response.gatewayCode=DECLINED or ACQUIRER_SYSTEM_ERROR
result=FAILURE
The payment was declined. Offer the payer the option to try another payment method.
In the case of an ACQUIRER_SYSTEM_ERROR you may want to inquire with the acquirer the reason for payment failure, or you can try RETRIEVE_TRANSACTION again.
response.gatewayCode=TIMED_OUT
result=FAILURE
Treat this as a declined payment. The MasterCard Payment Gateway will make an attempt to ensure the transaction is not successful or will revert the transaction.

Refunds

You can refund SEPA payments in part or in full. You must be configured for refunds on the gateway and on your merchant account at your APM service provider.

Testing Your Integration

The MasterCard Payment Gateway provides a browser payments emulator that allows you to test your SEPA integration.

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