SEPA Direct Debit and prepayment

Pay by direct debit or prepayment: automatic and subscription debits for Europe

Automatically charge monthly premiums. Accept one-click payments. Accept instalment payments. SEPA Direct Debit not only allows you to expand your subscription business throughout Europe. One-off transactions in online shops can also be processed within seconds. Shoppers, particularly those in Germany, appreciate the uncomplicated process.

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These benefits really pay off

Simplify recurring payments

Once shoppers have provided you with a SEPA Direct Debit mandate, this is saved for recurring payments. Subscription premiums can also be charged automatically.

Expand your subscription business throughout Europe

The SEPA Direct Debit scheme facilitates bank transfers between all European current accounts. This makes it easy for you to bill subscription services, also across borders.

Offer an alternative to PayPal

More traditional online shoppers are often rather suspicious of new online payment methods such as PayPal. With SEPA Direct Debit, you can offer them a more familiar alternative.

SEPA Direct Debit and prepayment from a single source

SEPA Direct Debit not only reduces your administration costs, but also cuts waiting times. You only need to have your clients sign the mandate once. Thanks to our intelligent interface, this can be done in many different ways.

Provider
Accepted
Currencies
Online
In-store
Accepted
Throughout Europe
Currencies
EUR
Online
In-store
Accepted
Throughout Europe
Currencies
EUR
Online
In-store
Accepted
Throughout Europe
Currencies
EUR
Online
In-store
Accepted
Throughout Europe
Currencies
EUR
Online
In-store
Unzer payments
  • White label solution for online shops
  • Can be adapted to your own look
  • No redirecting to external payment providers
  • No media disruption during the checkout process
  • Payment default protection

Get everything integrated and working quickly

Integrate solutions individually

We offer you personal and individual consulting on how you can integrate our solutions optimally into your existing environment.

Integrate solutions quickly and conveniently

Our uncomplicated onboarding process familiarises you with our solutions quickly, so you can get everything up and running right away.

FAQs on this topic

What is the SEPA Direct Debit scheme?

SEPA stands for "Single Euro Payments Area". The SEPA Direct Debit scheme was first introduced in 2009. In February 2014, the final process was then launched. The SEPA standards are used in the SEPA Direct Debit scheme. Here, the IBAN code is used to identi-fy the accounts of both the payer and the payee, while the BIC code is used to designate the pay-ment service provider.

How does payment by direct debit work?

To make a payment by direct debit in an online shopping environment, shoppers first select the "SEPA Direct Debit" or "Direct debit authorisation" payment method. Once this has been done, they enter their account details. The online retailer then uses these account details to set up the direct debit order with its bank for the specified amount. The retailer's bank registers debit of the amount with the customer's bank – which then initiates the corresponding credit.

What is the difference between a direct debit return and a return direct debit?

Financial institutions cannot check whether a direct debit order is correct. This is why they offer a di-rect debit return or return direct debit option. A direct debit return can be issued for various reasons, for example if the payer's account has been closed or has insufficient funds to cover the transaction. With a return direct debit, the payer can object to the transaction and actively demand a refund. There can also be several reasons for this, for example if an order was either not fulfilled or is incomplete. If this is the case, payers can withhold their money.

Do you still have questions? If so, please contact our sales team