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76 lines
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ReStructuredText
76 lines
3.5 KiB
ReStructuredText
=================
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SEPA Direct Debit
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=================
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.. |sdd| replace:: :abbr:`SDD (SEPA Direct Debit)`
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SEPA (Single Euro Payments Area) is a payment-integration initiative of the European Union that
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facilitates standardized and simplified electronic payments in euros across participating countries.
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SEPA Direct Debit (SDD) is a payment provider that allows future payments to be collected from
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customers' bank accounts based on a signed :ref:`SEPA Direct Debit mandate
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<accounting/batch_sdd/sdd_mandates>`. This mandate authorizes the recipient to automatically
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initiate one-time or :doc:`recurring </applications/sales/subscriptions>` payments using |sdd|.
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.. important::
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To use the SEPA Direct Debit (SDD) payment provider and create :ref:`SEPA Direct Debit mandates
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<accounting/batch_sdd/sdd_mandates>`:
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- The invoice being paid must be for an amount in euros.
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- The :guilabel:`SEPA Direct Deposit (SDD)` feature must be enabled, and the company's
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:guilabel:`Creditor Identifier` must be defined in the :ref:`Accounting or Invoicing settings
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<accounting/batch_sdd/sepa-configuration>`.
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To configure **SEPA Direct Debit**:
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#. :ref:`Navigate to the SEPA Direct Debit payment provider <payment_providers/supported_providers>`.
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#. In the :guilabel:`Configuration` tab, select whether the memo or :guilabel:`Communication` to be
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displayed alongside the payment instructions should be:
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- :guilabel:`Based on Document Reference`: the sales order or invoice number
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- :guilabel:`Based on Customer ID`: the customer identifier
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#. Select the :guilabel:`Enable QR codes` check box to activate QR code payments.
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.. note::
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:doc:`Additional accounting setup <../accounting/customer_invoices/epc_qr_code>` is required
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to use QR codes.
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#. Edit the default payment instructions in the :guilabel:`Messages` tab to include your **bank
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account number**. These instructions are displayed at the end of the checkout process on your
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ecommerce website or on the customer portal.
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#. Set the :guilabel:`State` field to :guilabel:`Enabled`.
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.. important::
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- Leave the :guilabel:`Currencies` field set to the default :guilabel:`EUR` tag to ensure |sdd|
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is only available for payments in euros.
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- The :guilabel:`Bank Account` defined for the :guilabel:`Payment Journal` must be a valid IBAN.
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.. tip::
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You can also test SEPA direct debit payments using the :ref:`payment_providers/test-mode`.
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.. seealso::
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:doc:`../payment_providers`
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Online payments with |sdd|
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==========================
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Customers selecting |sdd| as a payment method are prompted to enter their IBAN to complete the
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:ref:`SEPA Direct Debit mandate <accounting/batch_sdd/sdd_mandates>`.
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The |sdd| mandate is then automatically created in :guilabel:`Draft` based on the provided IBAN. To
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validate the information, customers must confirm each new mandate with a successful bank transfer of
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the expected amount **using the specified payment reference (communication)**. Once this initial
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payment is received and reconciled, the mandate is automatically validated and updated to the
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:guilabel:`Active` status. Once a mandate is active, it is reused for all subsequent payments made
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with the |sdd| payment method. You can then collect them by :ref:`uploading them to your online
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banking interface <accounting/batch_sdd/XML>`.
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.. seealso::
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:doc:`../accounting/payments/batch_sdd`
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.. note::
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|sdd| is also available as a payment method through other providers, such as :doc:`stripe`,
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:doc:`adyen`, and :doc:`buckaroo`. In these cases, |sdd| mandates are handled externally by the
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payment provider.
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