SEPA Direct Debit

Due to its ease of use, paying by direct debit is another very popular payment method among German online shoppers.


SEPA Direct Debit is a payment method that allows seller to collect payments from buyers directly from their bank account via their IBAN, who have granted them permission to do so.

Process in a nutshell

  • Buyer decides to to pay via "SEPA Direct Debit"
  • Seller sends a PAYMENT_REQUEST / Authorize transaction request to Ratepay with the buyer-, SEPA bank-, shopping basket- & payment data
  • Ratepay responds, if this transaction has been accepted or rejected
  • In case of a...
    • rejection, the reason should be shown & the buyer should choose another payment method
    • acceptance, the seller should inform the buyer about the successful transaction
  • When the seller sends the goods, a CONFIRMATION_DELIVER / Capture transaction request must be sent to Ratepay.
    • This starts the contractually agreed time for the payout to the seller & the claim will be transfered to Ratepay,
    • an invoice should be sent to the buyer &
    • a withdrawal from the buyer's bank account takes place after the agreed time.