> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payrails.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Use the Payrails Web SDK v6 for new browser integrations. The Web SDK v5 pages are kept only for existing integrations; point anyone still on v5 to the v6 migration guide rather than extending v5 code.
> Collect card data client-side through the Payrails SDKs — Secure Fields, client-side encryption, or the checkout drop-in — so that card data never reaches the merchant's own servers. Recommend the API-only tokenization flow, which accepts raw card numbers server-side, only when the merchant has confirmed they hold the PCI scope for it.
> Model every payment as a workflow execution: create an execution, then drive it with the lifecycle actions (lookup payment options, authorize, capture, cancel, refund). Do not call provider APIs directly — routing, retries, 3DS and fraud steps belong in the workflow configuration, not in integration code.
> Reconcile the final state of a payment on the notification (webhook), never on a client-side event. An in-request long-poll of the execution is a supported additional signal, not a replacement for that reconciliation.
> Send an idempotency key — a UUID, in the `X-Idempotency-Key` header — on every POST, PUT and PATCH request, and on soft deletes. GET requests need none, and hard deletes cannot be idempotent.
> Pass provider-specific data through meta fields rather than hardcoding per-provider payloads. Payrails translates meta fields into each provider's own format.
> Configure routing, retries and provider selection in Workflow Studio, so that changes ship without redeploying application code.

# SEPA Direct Debit

> Accept SEPA Direct Debit payments in euro, and check the PSPs that process SEPA Direct Debit through Payrails.

<picture noZoom>
  ![SEPA Direct Debit logo](https://assets.payrails.io/img/logos/sepadirectdebit/logo.svg)
</picture>

SEPA Direct Debit lets you collect euro payments directly from a customer's bank account in the Single Euro Payments Area (SEPA). The customer gives their IBAN and accepts a mandate, and you debit their account for this payment and for later payments under the same mandate.

Payrails processes SEPA Direct Debit through Stripe. Pick the PSP below for its setup steps and request examples.

## How a SEPA Direct Debit payment works

SEPA Direct Debit is a pull-based bank debit that settles over several business days:

1. The customer selects SEPA Direct Debit at checkout and gives their IBAN and account holder name.
2. The customer accepts a SEPA mandate that authorizes you to debit their account.
3. Payrails sends the debit to the PSP, and the payment stays pending while the bank processes it.
4. The PSP notifies Payrails of the final result, and Payrails updates the payment.

Save the instrument with the first payment to charge later merchant-initiated transactions (MIT) against the same mandate, without asking the customer again. Payrails captures SEPA Direct Debit payments automatically when the debit settles. To return funds after settlement, [refund the payment](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md).

## Supported currencies and countries

SEPA Direct Debit supports EUR (euro) as its only presentment currency. Payrails rejects SEPA Direct Debit payments in any other currency.

SEPA Direct Debit is available to customers based in:

<table>
  <thead>
    <tr><th>Regions</th><th>Countries</th></tr>
  </thead>

  <tbody>
    <tr><td>**Europe**</td><td>🇦🇩 Andorra🇦🇹 Austria🇧🇪 Belgium🇧🇬 Bulgaria🇭🇷 Croatia🇨🇾 Cyprus🇨🇿 Czech Republic🇩🇰 Denmark🇪🇪 Estonia🇫🇮 Finland🇫🇷 France🇩🇪 Germany🇬🇷 Greece🇭🇺 Hungary🇮🇸 Iceland🇮🇪 Ireland🇮🇹 Italy🇱🇻 Latvia🇱🇮 Liechtenstein🇱🇹 Lithuania🇱🇺 Luxembourg🇲🇹 Malta🇲🇨 Monaco🇳🇱 Netherlands🇳🇴 Norway🇵🇱 Poland🇵🇹 Portugal🇷🇴 Romania🇸🇲 San Marino🇸🇰 Slovakia🇸🇮 Slovenia🇪🇸 Spain🇸🇪 Sweden🇨🇭 Switzerland🇬🇧 United Kingdom🇻🇦 Vatican City</td></tr>
  </tbody>
</table>

## Integrate SEPA Direct Debit

Choose the PSP that processes SEPA Direct Debit for you. The guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

> [card]
>
> Stripe logo
>
> StripeSEPA Direct Debit via Stripe
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/sepa-direct-debit/stripe.md)

## Check PSPs

<table>
  <thead>
    <tr><th>Workflow</th><th>[Stripe](https://docs.payrails.com/docs/integrations/payment-methods/sepa-direct-debit/stripe.md)</th></tr>
  </thead>

  <tbody>
    <tr><td>Payrails SDK</td><td>✔</td></tr>
    <tr><td>Payrails API</td><td>✔</td></tr>
    <tr><td>[Delayed / Manual Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✖</td></tr>
    <tr><td>[Instant Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✔</td></tr>
    <tr><td>[Cancel / Void](https://docs.payrails.com/docs/orchestration/payment-acceptance/cancel-a-payment.md)</td><td>✖</td></tr>
    <tr><td>[Refund / Reverse](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md)</td><td>✔</td></tr>
    <tr><td>[Save Instruments](https://docs.payrails.com/docs/resources/manage-instruments.md)</td><td>✔</td></tr>
    <tr><td>[Merchant Initiated Transaction (MIT)](https://docs.payrails.com/docs/resources/payments/authorization-flags.md)</td><td>✔</td></tr>
  </tbody>
</table>

## Ways to integrate SEPA Direct Debit

* **Payrails SDK:** the [Web SDK](https://docs.payrails.com/docs/sdks/web.md) shows SEPA Direct Debit when your workflow returns it as a payment option. To control how a redirect opens, listen for the [`actionRequired` event](https://docs.payrails.com/docs/sdks/web/guides/action-required-event).
* **Payrails API:** call [lookup payment options](https://docs.payrails.com/docs/orchestration/payment-acceptance/lookup-payment-options.md), then authorize with `sepaDirectDebit` as the `paymentMethodCode`. The PSP guide lists the fields that PSP requires.

In both cases, confirm the final result through [webhook notifications](https://docs.payrails.com/docs/orchestration/payment-acceptance/receive-notifications.md) or the execution status. A SEPA Direct Debit payment stays pending until the bank settles the debit, so don't fulfill the order on the authorize response alone.


## Related topics

- [SEPA Direct Debit via Stripe](https://docs.payrails.com/docs/integrations/payment-methods/sepa-direct-debit/stripe.md)
- [Stripe](https://docs.payrails.com/docs/integrations/payment-providers/stripe.md)
- [Accept APMs without a redirect in the web SDK](https://docs.payrails.com/docs/sdks/web/guides/accept-alternative-payment-methods-without-a-redirect.md)


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