SEPA Credit
A SEPA Credit is a payment in Euro, debiting a SEPA account and crediting to another SEPA account.
This guide will take you step-by-step until you become accustomed to the SEPA Credit payment method. And you will be able to use SEPA Credit payments in your business projects successfully.
What is SEPA Credit?
The SEPA Credit scheme is an inter-bank payment scheme defining a common set of rules and standard procedures for credit transfers in EUR currency. The SEPA Credit scheme ensures merchants can make e-payments to any customer located anywhere in the SEPA zone using a single bank account (IBAN) and a uniform set of standards, rules and conditions.
| Payment Type | SEPA_CREDIT |
| Type | SEPA-CREDIT-TRANSFER |
| Supported Countries | 
European Union (EU)
|
| Supported Currencies | EUR |
| Authorization | Yes |
| Transaction Refund | No |
| Tokenization | Yes |
| Recurring | Yes |
| Transmission of the customer number | Yes |
Request sample
Read the api reference to learn more about parameters.
After a request is sent to the server, a TID called a Transaction ID is created for that particular request. Upon successful transaction, the TID is sent as a response to the system. In case of a failed transaction, the function returns an error message quoting the reason for the error.
{
"merchant": {
"signature": "7ibc7ob5|tuJEH3gNbeWJfIHah||nbobljbnmdli0poys|doU3HJVoym7MQ44qf7cpn7pc",
"tariff": "10004"
},
"customer": {
"first_name": "Max",
"last_name": "Mustermann",
"email": "test@novalnet.de",
"customer_ip": "127.0.0.1",
"customer_no": 1215,
"tel": "+49 089 123456",
"mobile": "+49 174 7781423",
"billing": {
"house_no": "2",
"street": "Musterstr",
"city": "Musterhausen",
"zip": "12345",
"country_code": "DE",
"company" : ""
}
},
"transaction": {
"payment_type": "SEPA_CREDIT",
"amount": 100,
"currency": "EUR",
"test_mode": 1,
"order_no": "###ORDER_NO###",
"order_date": "2021-06-10",
"order_amount": "2000",
"order_reference": "XXXYYYZZZ",
"credit_reason_1": "www.test.com",
"credit_reason_2": "Test Product",
"credit_reason_3": "ABC Company",
"credit_reason_4": "INV-1234",
"hook_url": "https://developer.novalnet.de/demo/webhooks/",
"create_token" : 1,
"payment_data": {
"account_holder": "Max Mustermann",
"iban": "DE24300209002411761956",
"bic": "CMCIDEDDXXX"
}
},
"custom": {
"lang": "EN"
}
}Response sample
After a request is sent to the server, what happens is a TID called a Transaction ID is created for that particular request. Upon successful transaction, the TID is sent as a response to the system. In the event of a declined transaction, the function returns an error message quoting the reason for the error.
Below is a sample response for the earlier request
{
"customer": {
"billing": {
"city": "Musterhausen",
"country_code": "DE",
"house_no": "2",
"street": "Musterstr",
"zip": "12345"
},
"customer_ip": "127.0.0.1",
"customer_no": "1215",
"email": "test@novalnet.de",
"first_name": "Max",
"gender": "u",
"last_name": "Mustermann",
"mobile": "+49-1747781423",
"tel": "+49 089 123456"
},
"result": {
"status": "SUCCESS",
"status_code": 100,
"status_text": "Successful"
},
"transaction": {
"amount": 100,
"credit_reason_1": "www.test.com",
"credit_reason_2": "Test Product",
"credit_reason_3": "ABC Company",
"credit_reason_4": "INV-1234",
"currency": "EUR",
"order_amount": 2000,
"order_date": "2021-06-10",
"order_no": "###ORDER_NO###",
"order_reference": "XXXYYYZZZ",
"payment_data": {
"token": "R02cB22w22w00a02c-R22w22wB22w02cR-V22w06gZZZB18sB18sRPDP04eLN941"
},
"payment_type": "SEPA_CREDIT",
"status": "CONFIRMED",
"status_code": 100,
"test_mode": 1,
"tid": ###NOVALNET_TID###
}
}What do you need as a merchant?
We take care of the technical and other formalities - i.e. the interface and the necessary acceptance agreement - to ensure your effort is kept to a minimum. You only need to select the integration type from the following options.