The Create SEPA DD Transaction request performs a transaction (purchase) using the SEPA Direct Debit payment method. Note that the shopper's account is not immediately debited - it takes about 5 to 6 business days for the shopper's bank to approve the charge and for their account to be debited.

For more information, see the SEPA Direct Debit guide.

👍
Prerequisite: Have SEPA enabled for your account
Contact Merchant Support to have SEPA Direct Debit enabled for your account.

Request Content

Send an altTransaction object, with the following:

Property	Type	Required
`amount`	decimal	required
`authorizedByShopper`	boolean	required value must be true
`city`	string	required if the shopper is from certain countries; will be required for all SEPA transactions after October 25, 2026
`country`	string	required
`currency`	string	required value must be EUR
`merchantTransactionId`	string	optional
`payerInfo`	object	required if `vaultedShopperId` is not sent (see payerInfo)
`productDescription`	string	optional
`sepaDirectDebitTransaction`	object	required (see sepaDirectDebitTransaction)
`softDescriptor`	string	optional
`taxReference`	string	optional
`transactionFraudInfo`	object	optional (see transactionFraudInfo)
`transactionMetaData`	object	optional (see transactionMetaData)
`vaultedShopperId`	integer	required if `payerInfo` is not sent
`vendorsInfo`	object	required if using marketplace vendor(s) (see vendorsInfo)

Response Details

If successful, the response HTTP status code is 200 OK.
The response contains the request properties plus these additions:

Property	Notes
`fraudResultInfo`	(see fraudResultInfo)
`processingInfo`	(see processingInfo)
`transactionId`
`vaultedShopperId`

Examples

Request Examples

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "sepaDirectDebitTransaction": {
      "iban": "DE09100100101234567893"
  },
  "payerInfo": {
      "firstName": "John",
      "lastName": "Doe"
  },
  "amount": 9.65,
  "currency": "EUR",
  "country": "FR",
  "softDescriptor": "ABC COMPANY",
  "authorizedByShopper": true
}'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "sepaDirectDebitTransaction": {
      "iban": "DE91100000001234400020",
      "bic":"PBNKDEFFXXX"
  },
  "payerInfo": {
      "firstName": "John",
      "lastName": "Doe",
      "country":"AD",
      "address": "addressLine1",
      "city" :"myCity",
      "zip": "03820"
  },
  "amount": 170.00,
  "currency": "EUR",
  "authorizedByShopper": true
}'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "sepaDirectDebitTransaction": {}, 
  "vaultedShopperId": 21786355,
  "amount": 9.65,
  "currency": "EUR",
  "country": "FR",
  "softDescriptor": "ABC COMPANY",
  "authorizedByShopper": true
}'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "sepaDirectDebitTransaction": {
        "ibanFirstFour": "DE09",
        "ibanLastFour": "7893"
  },
  "vaultedShopperId": "21781965",
  "amount": 9.65,
  "currency": "EUR",
  "country": "FR",
  "softDescriptor": "ABC COMPANY",
  "authorizedByShopper": true
}'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "sepaDirectDebitTransaction": {
      "iban": "DE09100100101234567893"
  },
  "payerInfo": {
      "firstName": "John",
      "lastName": "Doe"
  },
  "amount": 12.65,
  "currency": "EUR",
  "country": "FR",
  "taxReference": "048deff0-a285-47e1-bc39-42f79bf0095b",
  "softDescriptor": "ABC COMPANY",
  "authorizedByShopper": true
}'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "transactionOrderSource": "MOTO",
  "sepaDirectDebitTransaction": {
      "iban": "DE09100100101234567893"
  },
  "payerInfo": {
      "firstName": "John",
      "lastName": "Doe"
  },
  "amount": 9.65,
  "currency": "EUR",
  "country": "FR",
  "softDescriptor": "ABC COMPANY",
  "authorizedByShopper": true
}'

Response Examples

{
    "transactionId": "1011183521",
    "softDescriptor": "ABC COMPANY",
    "amount": 9.65,
    "currency": "EUR",
    "payerInfo": {
        "firstName": "John",
        "lastName": "Doe"
    },
    "vaultedShopperId": 21781957,
    "sepaDirectDebitTransaction": {
        "ibanFirstFour": "DE09",
        "ibanLastFour": "7893",
        "mandateId": "Ooo153451",
        "mandateDate": "21-Jul-17",
        "preNotificationText": "The amount of 9.65 EUR will be collected using SEPA Direct Debit with Mandate Ooo153451 from your bank account IBAN DE09XXXXXX7891 in the next few days. Please ensure sufficient funds in your account.",
        "preNotificationTranslationRef": "https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=1011183521"
    },
    "processingInfo": {
        "processingStatus": "PENDING",
        "transactionRegion": "UK"
    }
}

{
    "transactionId": "1177490449",
    "amount": 170.00,
    "currency": "EUR",
    "payerInfo": {
        "firstName": "John",
        "lastName": "Doe",
        "country": "AD",
        "address": "addressLine1",
        "city": "myCity",
        "zip": "03820"
    },
    "vaultedShopperId": 104027691,
    "sepaDirectDebitTransaction": {
        "bic": "PBNKDEFFXXX",
        "ibanFirstFour": "DE91",
        "ibanLastFour": "0020",
        "mandateId": "Blu1539905",
        "mandateDate": "10-Jun-26",
        "preNotificationText": "The amount of 170.00 EUR will be collected using SEPA Direct Debit with Mandate Blu1539905 from your bank account IBAN DE91XXXXXX0020 in the next few days. Please ensure sufficient funds in your account.",
        "preNotificationTranslationRef": "https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=1177490449"
    },
    "productDescription": "N/A",
    "processingInfo": {
        "processingStatus": "PENDING",
        "transactionRegion": "UK"
    }
}

{
    "transactionId": "1011189089",
    "softDescriptor": "ABC COMPANY",
    "amount": 9.65,
    "currency": "EUR",
    "vaultedShopperId": 21786355,
    "sepaDirectDebitTransaction": {
        "ibanFirstFour": "DE09",
        "ibanLastFour": "7893",
        "mandateId": "Ooo153465",
        "mandateDate": "21-Jul-17",
        "preNotificationText": "The amount of 9.65 EUR will be collected using SEPA Direct Debit with Mandate Ooo153465 from your bank account IBAN DE09XXXXXX7891 in the next few days. Please ensure sufficient funds in your account.",
        "preNotificationTranslationRef": "https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=1011189089"
    },
    "processingInfo": {
        "processingStatus": "PENDING"
    }
}

{
    "transactionId": "1011188517",
    "softDescriptor": "ABC COMPANY",
    "amount": 9.65,
    "currency": "EUR",
    "vaultedShopperId": 21781965,
    "sepaDirectDebitTransaction": {
        "ibanFirstFour": "DE09",
        "ibanLastFour": "7893",
        "mandateId": "Ooo153463",
        "mandateDate": "21-Jul-17",
        "preNotificationText": "The amount of 9.65 EUR will be collected using SEPA Direct Debit with Mandate Ooo153463 from your bank account IBAN DE09XXXXXX7891 in the next few days. Please ensure sufficient funds in your account.",
        "preNotificationTranslationRef": "https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=1011188517"
    },
    "processingInfo": {
        "processingStatus": "PENDING"
    }
}

{
    "transactionId": "1011183521",
    "softDescriptor": "ABC COMPANY",
    "amount": 12.65,
    "currency": "EUR",
    "taxReference": "048deff0-a285-47e1-bc39-42f79bf0095b",
    "payerInfo": {
        "firstName": "John",
        "lastName": "Doe"
    },
    "vaultedShopperId": 21781957,
    "sepaDirectDebitTransaction": {
        "ibanFirstFour": "DE09",
        "ibanLastFour": "7893",
        "mandateId": "Ooo153451",
        "mandateDate": "21-Jul-17",
        "preNotificationText": "The amount of 12.65 EUR will be collected using SEPA Direct Debit with Mandate Ooo153451 from your bank account IBAN DE09XXXXXX7891 in the next few days. Please ensure sufficient funds in your account.",
        "preNotificationTranslationRef": "https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=1011183521"
    },
    "processingInfo": {
        "processingStatus": "PENDING"
    }
}

{
    "transactionId": "1066353551",
    "softDescriptor": "ABC COMPANY",
    "amount": 9.65,
    "currency": "EUR",
    "payerInfo": {
        "firstName": "John",
        "lastName": "Doe"
    },
    "vaultedShopperId": 37729727,
    "sepaDirectDebitTransaction": {
        "ibanFirstFour": "DE09",
        "ibanLastFour": "7893",
        "mandateId": "Blu314913",
        "mandateDate": "11-Aug-22",
        "preNotificationText": "The amount of 9.65 EUR will be collected using SEPA Direct Debit with Mandate Blu314913 from your bank account IBAN DE09XXXXXX7893 in the next few days. Please ensure sufficient funds in your account.",
        "preNotificationTranslationRef": "https://sandbox.bluesnap.com:443/services/2/translations/sepa/prenotification?transactionid=1066353551"
    },
    "processingInfo": {
        "processingStatus": "PENDING"
    },
    "fraudResultInfo": {}
}

Request Content

Response Details

Examples

Request Examples

Response Examples

API Explorer