# SEPA Direct Debit

A secure and globally accepted direct debit.

Note
Make yourself familiar with our [API principles](/products/reference/api-principles) to ensure a resilient integration.

details
summary
Product overview
### Why use SEPA Direct Debit

SEPA Direct Debit is an easy way to take bank payments from your customers, using an IBAN (International Bank Account Number).

The SEPA scheme is a set of rules that dictate how payments must be processed and settled in the SEPA (Single Euro Payment Area) region.

### Feature summary

| Payment type | Acceptance currency | Recurring | Reverse | Partial reverse | Disputes |
|  --- | --- | --- | --- | --- | --- |
| Bank transfer | EUR (Euro) | ✅ | Refunds - yes Cancel - no | Partial refund - yesPartial cancel- no | ✅ |


Best practice
To get the most from SEPA Direct Debit, refer to our [SEPA overview article](/products/articles/sepa-emandate-and-best-practice) which lists scheme rules and some best practice and recommendations.

### Acceptance countries

- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- The Netherlands


#### non-EEA countries that require `swiftBic` in requests:

- Andorra
- Gibraltar
- Monaco
- San Marino
- Switzerland
- Vatican state
- United Kingdom


### Your customer language codes

| Language | Code |
|  --- | --- |
| Dutch | nl |
| English | en |
| French | fr |
| German | de |
| Italian | it |
| Spanish | es |


## Get started

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay.com/apmPayments`

### Example requests

Guest
Recurring
Token
### Parameters

## Response

#### Successful response

* an HTTP code `201`
* a `paymentId` which is unique to the payment - we recommend storing the "id", as you can use it to manage the payment later
* a link to query the payment status
* a `commandId` generated by us identifying a single merchant interaction (e.g. `cmdYNdIHBPJwbkjLiykzTx0`)


### Example response

Guest response
{
  "paymentId": "uK9Oh5zz4yKhGuFofhhnC7KnABEsnvjTFefo7uUYYarwh_KRcHUrrs1qJtQso9gjnhxT5oAgkJfCp1iX6U1upLOpzqHmhG8uXdBKXQ0rnmce4brW4F54BCV6GtAu0zUbgUZHQIK3iu8VcHfOiFVHyN-y7ZDRr24t7o6s_bHlZxo9g_WHOCgZdL-FywMmqkQA",
  "lastEvent": "sentForAuthorization",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/uK9Oh5zz4yKhGuFofhhnC7KnABEsnvjTFefo7uUYYarwh_KRcHUrrs1qJtQso9gjnhxT5oAgkJfCp1iX6U1upLOpzqHmhG8uXdBKXQ0rnmce4brW4F54BCV6GtAu0zUbgUZHQIK3iu8VcHfOiFVHyN-y7ZDRr24t7o6s_bHlZxo9g_WHOCgZdL-FywMmqkQA"
    }
  },
  "_actions": {},
  "redirect": "",
  "paymentInstrument": {
    "method": "sepa",
    "type": "direct"
  },
  "commandId": "cmdEy5vwB0krLe9eMwAcE66c0"
}
Recurring response
{
  "paymentId": "HZ75WBkfRwmD9YzLSZFnQ0Z1kOwJFyO0",
  "lastEvent": "sentForAuthorization",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/HZ75WBkfRwmD9YzLSZFnQ0Z1kOwJFyO01roZ8kyLK_GlDSUrxrcX5x_wn93uYUZBHGYpbIxXdN_a51exZVWqk-zSpi8BAMly9hvxk-39cYhQmbsooGheZgoj5hRRgye3X6qyt49SIqeQadJp6DeqL8MFPtMJ-EYbaLln7tGTQoE"
    }
  },
  "paymentInstrument": {
    "method": "sepa",
    "type": "token",
    "tokenId": "9902480679618049603"
  },
  "commandId": "cmdEy5vwB0krLe9eMwAcE66c0"
}
Token response
{
  "paymentId": "uK9Oh5zz4yKhGuFofhhnC7KnABEsnvjTFefo7uUYYarwh_KRcHUrrs1qJtQso9gjnhxT5oAgkJfCp1iX6U1upLOpzqHmhG8uXdBKXQ0rnmce4brW4F54BCV6GtAu0zUbgUZHQIK3iu8VcHfOiFVHyN-y7ZDRr24t7o6s_bHlZxo9g_WHOCgZdL-FywMmqkQA",
  "lastEvent": "sentForAuthorization",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/uK9Oh5zz4yKhGuFofhhnC7KnABEsnvjTFefo7uUYYarwh_KRcHUrrs1qJtQso9gjnhxT5oAgkJfCp1iX6U1upLOpzqHmhG8uXdBKXQ0rnmce4brW4F54BCV6GtAu0zUbgUZHQIK3iu8VcHfOiFVHyN-y7ZDRr24t7o6s_bHlZxo9g_WHOCgZdL-FywMmqkQA"
    }
  },
  "_actions": {},
  "redirect": "",
  "paymentInstrument": {
    "method": "sepa",
    "type": "token"
  },
  "commandId": "cmdEy5vwB0krLe9eMwAcE66c0"
}
Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your SEPA Direct Debit payment](/products/apms/manage/)