Direct Debit transaction

Once you have completed the steps to create and sign a mandate, you can create a SEPA Direct Debit transaction (SDD transaction). Each SDD transaction will be linked to the corresponding mandate.

To create SDD transactions, you have several options:

1. Create individual SDD transactions: to process one or more SDD transactions via API completely on your own
2. Create SDD transactions using “Subscription” templates: to process X transactions at a frequency defined by a subscription template (for example, €50 per month for 12 months).
3. Create SDD transactions using the “Installment” payment service: to split a customer receivable into multiple transactions (example: €1,000 to be paid in 3 installments with a down payment of €500).

1. Individual SDD transactions

1.1. Create an “SDDTransaction”

• Enter the SEPA mandate ID “mandateId”
• Enter the transaction amount in centimes “amount”
• Enter “EUR” in the “currency” property
• Enter your unique transaction ID in the “endToEndIdentification” property
• Enter the transaction description in the “remittanceInformation” field (this information will appear on your customers’ account statements)
• Enter your client’s IP address in “endUserIp”
• Enter your CentralPay point-of-sale ID in the “pointOfSaleId” field
• Enter the desired transaction date in “requestedCollectionDate”

You can then repeat this process for each of your customer’s recurring payment due dates.

1.2. [Optional] Ask the customer to confirm via text message

• For added security, you can set up a one-time password (OTP) to validate each SDDTransaction: an OTP will then be generated upon creation and sent to your customer via text message. An sddTransactionId will also be generated upon creation.
• By default, SDDTransactions are validated automatically
• This step is required only if you have configured OTP validation for the SDDTransaction
• Get your client’s secret code from them
• Send it to us, along with the sddTransactionId
• As a result of this action, the SDDTransaction will be considered validated and will therefore be processed

2. SDD transactions from “subscription” templates

2.1. Creation

First, you must create a Customer that contains at least one Mandate.

Then, the subscription service (Subscription) will allow you to easily initiate a subscription payment based on a subscription template created in advance via the CentralPay API or the Merchant Portal.

2.2. Specific integration cases

• If the first subscription payment must be for a higher amount than subsequent payments (e.g., sign-up fee), you can first initiate a one-time SDD transaction, then enter a start date (startingDate) in the Subscription object.
• If you simply want to start a subscription on a specific date (e.g., the effective date of your contract), you can enter a start date (startingDate) in the Subscription object

3. SDD transaction with “Installment” payment plan

3.1. Creation

First, you must create a Customer that contains at least one Mandate.

Then, the installment payment service (Installment) will allow you to easily initiate an installment payment based on the information provided in your request.