{"id":16438,"date":"2024-03-20T09:21:10","date_gmt":"2024-03-20T08:21:10","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/sepa-direct-debit-transaction\/direct-debit-transaction\/"},"modified":"2026-08-20T11:48:23","modified_gmt":"2026-08-20T09:48:23","slug":"direct-debit-transaction","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/sepa-direct-debit-transaction\/direct-debit-transaction\/","title":{"rendered":"Direct Debit transaction"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">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.  <\/p>\n\n<p class=\"wp-block-paragraph\">To create SDD transactions, you have several options:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Create individual SDD transactions:<\/strong> to process one or more SDD transactions via API completely on your own<\/li>\n\n\n\n<li><strong>Create SDD transactions using \u201cSubscription\u201d templates:<\/strong> to process X transactions at a frequency defined by a subscription template (for example, \u20ac50 per month for 12 months).<\/li>\n\n\n\n<li><strong>Create SDD transactions using the \u201cInstallment\u201d payment service:<\/strong> to split a customer receivable into multiple transactions (example: \u20ac1,000 to be paid in 3 installments with a down payment of \u20ac500).<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\">1. Individual SDD transactions<\/h2>\n\n<h3 class=\"wp-block-heading\">1.1. Create an \u201cSDDTransaction\u201d<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Enter the SEPA mandate ID \u201cmandateId\u201d<\/li>\n\n\n\n<li>Enter the transaction amount in centimes \u201camount\u201d<\/li>\n\n\n\n<li>Enter \u201cEUR\u201d in the \u201ccurrency\u201d property<\/li>\n\n\n\n<li>Enter your unique transaction ID in the \u201cendToEndIdentification\u201d property<\/li>\n\n\n\n<li>Enter the transaction description in the \u201cremittanceInformation\u201d field (this information will appear on your customers&#8217; account statements)<\/li>\n\n\n\n<li>Enter your client&#8217;s IP address in \u201cendUserIp\u201d<\/li>\n\n\n\n<li>Enter your CentralPay point-of-sale ID in the \u201cpointOfSaleId\u201d field<\/li>\n\n\n\n<li>Enter the desired transaction date in \u201crequestedCollectionDate\u201d<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">You can then repeat this process for each of your customer&#8217;s recurring payment due dates.<\/p>\n\n<h3 class=\"wp-block-heading\">1.2. [Optional] Ask the customer to confirm via text message<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>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. <\/li>\n\n\n\n<li>By default, SDDTransactions are validated automatically<\/li>\n\n\n\n<li>This step is required only if you have configured OTP validation for the SDDTransaction<\/li>\n\n\n\n<li>Get your client&#8217;s secret code from them<\/li>\n\n\n\n<li>Send it to us, along with the sddTransactionId<\/li>\n\n\n\n<li>As a result of this action, the SDDTransaction will be considered validated and will therefore be processed<\/li>\n<\/ul>\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"3000\" height=\"2600\" src=\"https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/06\/Schema-SDD-2.png\" alt=\"\" class=\"wp-image-12417\" srcset=\"https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/06\/Schema-SDD-2.png 3000w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/06\/Schema-SDD-2-300x260.png 300w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/06\/Schema-SDD-2-1024x887.png 1024w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/06\/Schema-SDD-2-768x666.png 768w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/06\/Schema-SDD-2-1536x1331.png 1536w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/06\/Schema-SDD-2-2048x1775.png 2048w\" sizes=\"(max-width: 3000px) 100vw, 3000px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">2. SDD transactions from \u201csubscription\u201d templates<\/h2>\n\n<h3 class=\"wp-block-heading\">2.1. Creation<\/h3>\n\n<p class=\"wp-block-paragraph\">First, you must create a <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/customer\/\">Customer<\/a> that contains at least one <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/sdd-transaction\/mandate\/\">Mandate<\/a>.<\/p>\n\n<p class=\"wp-block-paragraph\">Then, the <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/recurring-payments\/subscription\/\">subscription service (Subscription)<\/a> 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.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"1-2-cas-d\u2019int\u00e9gration-sp\u00e9cifiques\">2.2. Specific integration cases<a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/recurring-card-transaction\/#1-2-cas-d%E2%80%99int%C3%A9gration-sp%C3%A9cifiques\"><\/a><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>If the first subscription payment must be for a higher amount than subsequent payments (e.g., sign-up fee), you can first initiate a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/sepa-direct-debit-transaction\/direct-debit-transaction\/#1-cr%C3%A9er-une-transaction-sdd-seule\">one-time SDD transaction<\/a>, then enter a start date (startingDate) in the <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/subscription\/subscription\/\">Subscription<\/a> object.<\/li>\n\n\n\n<li>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 <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/subscription\/subscription\/\">Subscription<\/a> object<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">3. SDD transaction with \u201cInstallment\u201d payment plan<\/h2>\n\n<h3 class=\"wp-block-heading\">3.1. Creation<\/h3>\n\n<p class=\"wp-block-paragraph\">First, you must create a <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/customer\/\">Customer<\/a> that contains at least one <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/sdd-transaction\/mandate\/\">Mandate<\/a>.<\/p>\n\n<p class=\"wp-block-paragraph\">Then, the <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/recurring-payments\/installment\/\">installment payment service (Installment)<\/a> will allow you to easily initiate an installment payment based on the information provided in your request.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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. Individual SDD transactions 1.1. Create an \u201cSDDTransaction\u201d You can then repeat this process for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":16424,"menu_order":5,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[145],"class_list":["post-16438","docs","type-docs","status-publish","hentry","doc_badge-sddtransaction","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Direct Debit transaction - CentralPay Documentation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/sepa-direct-debit-transaction\/direct-debit-transaction\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Direct Debit transaction - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"Once you have completed the steps to create and sign a mandate, you can create a SEPA Direct Debit transaction (SDD transaction). 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