{"_id":"5c6c2407b8d4b2000e72d9d0","category":{"_id":"5c6c2407b8d4b2000e72d985","version":"5c6c2407b8d4b2000e72da25","project":"57336fd5a6a9c40e00e13a0b","__v":0,"sync":{"url":"","isSync":false},"reference":false,"createdAt":"2017-07-27T17:33:18.096Z","from_sync":false,"order":4,"slug":"sepa-direct-debit-transactions","title":"SEPA Direct Debit Transactions"},"project":"57336fd5a6a9c40e00e13a0b","user":"560d5913af97231900938124","parentDoc":null,"version":{"_id":"5c6c2407b8d4b2000e72da25","project":"57336fd5a6a9c40e00e13a0b","__v":0,"forked_from":"5beec5a5f95d82011c6f3714","createdAt":"2018-04-24T15:24:22.608Z","releaseDate":"2018-04-24T15:24:22.608Z","categories":["5c6c2407b8d4b2000e72d981","5c6c2407b8d4b2000e72d982","5c6c2407b8d4b2000e72d983","5c6c2407b8d4b2000e72d984","5c6c2407b8d4b2000e72d985","5c6c2407b8d4b2000e72d986","5c6c2407b8d4b2000e72d987","5c6c2407b8d4b2000e72d988","5c6c2407b8d4b2000e72d989","5c6c2407b8d4b2000e72d98a","5c6c2407b8d4b2000e72d98b","5c6c2407b8d4b2000e72d98c","5c6c2407b8d4b2000e72d98d","5c6c2407b8d4b2000e72d98e","5c6c2407b8d4b2000e72d98f","5c6c2407b8d4b2000e72d990"],"is_deprecated":false,"is_hidden":false,"is_beta":false,"is_stable":false,"codename":"Main","version_clean":"8976.0.0-XML","version":"8976-XML"},"githubsync":"","__v":0,"metadata":{"title":"","description":"","image":[]},"updates":[],"next":{"pages":[],"description":""},"createdAt":"2017-07-27T17:49:06.767Z","link_external":false,"link_url":"","sync_unique":"","hidden":false,"api":{"results":{"codes":[]},"settings":"","examples":{"codes":[]},"method":"post","auth":"optional","params":[],"url":"/alt-transactions"},"isReference":false,"order":0,"body":"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. \n\nFor more information, see the [SEPA Direct Debit](/docs/sepa-direct-debit) guide.\n\n<br>\n[block:callout]\n{\n \"type\": \"success\",\n \"body\": \"Contact [Merchant Support](https://bluesnap.zendesk.com/hc/en-us/requests/new?ticket_form_id=360000127087) to have SEPA Direct Debit enabled for your account.\",\n \"title\": \"Prerequisite: Have SEPA enabled for your account\"\n}\n[/block]\n<a class=\"btn btn-success\" href=\"#section-api-explorer\" role=\"button\">Try it in the API Explorer</a>\n\n###Request Content\nSend an **[alt-tansaction](doc:alt-transaction)** container, with the following:\n\n `merchant-transaction-id` *string* optional\n `soft-descriptor` *string* optional\n `amount` *decimal* <span style=\"color:#F37500\">**required**</span>\n `currency` *string* <span style=\"color:#F37500\">**required**</span> value must be **EUR**\n `vendors-info` *container* <span style=\"color:#F38A00\">**required** if using marketplace vendor(s)</span> (see [vendors-info](doc:vendors-info))\n `payer-info` *container* <span style=\"color:#F38A00\">**required** if `vaulted-shopper-id` is not sent</span> (see [payer-info](doc:payer-info))\n `vaulted-shopper-id` *integer* <span style=\"color:#F38A00\">**required** if `payer-info` is not sent</span>\n `sepa-direct-debit-transaction` *container* <span style=\"color:#F37500\">**required**</span> (see [sepa-direct-debit-transaction](doc:sepa-direct-debit-transaction))\n `authorized-by-shopper` *boolean* <span style=\"color:#F38A00\">**required**</span> value must be **true**\n `transaction-meta-data` *container* optional (see [transaction-meta-data](doc:transaction-meta-data))\n `transaction-fraud-info` *container* optional (see [transaction-fraud-info](doc:transaction-fraud-info))\n\n\n###Response Details\nIf successful, the response HTTP status code is 200 OK.\nThe response contains the request properties plus these additions:\n\n `transaction-id`\n `vaulted-shopper-id`\n `processing-info` (see [processing-info](doc:processing-info))\n `fraud-result-info` (see [fraud-result-info](doc:fraud-result-info))\n `vendors-info` (see [vendors-info](doc:vendors-info))\n\n<hr>\n\n##Examples\n\n###Request Examples\n[block:code]\n{\n \"codes\": [\n {\n \"code\": \"curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \\\\\\n-H 'Content-Type: application/xml' \\\\\\n-H 'Accept: application/xml' \\\\ \\n-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \\\\\\n-d '\\n<alt-transaction xmlns=\\\"http://ws.plimus.com\\\">\\n <sepa-direct-debit-transaction>\\n <iban>DE09100100101234567893</iban>\\n </sepa-direct-debit-transaction>\\n <payer-info>\\n <first-name>John</first-name>\\n <last-name>Doe</last-name>\\n </payer-info>\\n <amount>9.65</amount>\\n <currency>EUR</currency>\\n <soft-descriptor>ABC COMPANY</soft-descriptor>\\n <authorized-by-shopper>true</authorized-by-shopper>\\n</alt-transaction>'\",\n \"language\": \"curl\",\n \"name\": \"Create SEPA DD Transaction: Basic with payer info\"\n },\n {\n \"code\": \"curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \\\\\\n-H 'Content-Type: application/xml' \\\\\\n-H 'Accept: application/xml' \\\\ \\n-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \\\\\\n-d '\\n<alt-transaction xmlns=\\\"http://ws.plimus.com\\\">\\n <sepa-direct-debit-transaction/>\\n <vaulted-shopper-id>21786355</vaulted-shopper-id>\\n <amount>100.00</amount>\\n <currency>EUR</currency>\\n <soft-descriptor>ABC COMPANY</soft-descriptor>\\n <authorized-by-shopper>true</authorized-by-shopper>\\n</alt-transaction>'\",\n \"language\": \"curl\",\n \"name\": \"with vaulted shopper with one saved account\"\n },\n {\n \"code\": \"curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \\\\\\n-H 'Content-Type: application/xml' \\\\\\n-H 'Accept: application/xml' \\\\ \\n-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \\\\\\n-d '\\n<alt-transaction xmlns=\\\"http://ws.plimus.com\\\">\\n <sepa-direct-debit-transaction>\\n <iban-first-four>DE09</iban-first-four>\\n <iban-last-four>7893</iban-last-four>\\n </sepa-direct-debit-transaction>\\n <vaulted-shopper-id>19557478</vaulted-shopper-id>\\n <amount>100.00</amount>\\n <currency>EUR</currency>\\n <soft-descriptor>ABC COMPANY</soft-descriptor>\\n <authorized-by-shopper>true</authorized-by-shopper>\\n</alt-transaction>'\",\n \"language\": \"curl\",\n \"name\": \"with vaulted shopper with multiple saved accounts\"\n }\n ]\n}\n[/block]\n###Response Examples\n[block:code]\n{\n \"codes\": [\n {\n \"code\": \"<?xml version=\\\"1.0\\\" encoding=\\\"UTF-8\\\" standalone=\\\"yes\\\"?>\\n<alt-transaction xmlns=\\\"http://ws.plimus.com\\\">\\n <transaction-id>1011189089</transaction-id>\\n <soft-descriptor>ABC COMPANY</soft-descriptor>\\n <amount>9.65</amount>\\n <currency>EUR</currency>\\n <payer-info>\\n <first-name>John</first-name>\\n <last-name>Doe</last-name>\\n </payer-info>\\n <vaulted-shopper-id>21781957</vaulted-shopper-id>\\n <sepa-direct-debit-transaction>\\n <iban-first-four>DE09</iban-first-four>\\n <iban-last-four>7893</iban-last-four>\\n <mandate-id>Ooo153451</mandate-id>\\n <mandate-date>01-Aug-17</mandate-date>\\n <pre-notification-text>The amount of 9.65 EUR will be collected using SEPA Direct Debit with Mandate Ooo153451 from your bank account IBAN DE09XXXXXX7893 in the next few days. Please ensure sufficient funds in your account.</pre-notification-text>\\n <pre-notification-translation-ref>https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=1011189089</pre-notification-translation-ref>\\n </sepa-direct-debit-transaction>\\n <processing-info>\\n <processing-status>PENDING</processing-status>\\n </processing-info>\\n</alt-transaction>\",\n \"language\": \"xml\",\n \"name\": \"Create SEPA DD Transaction: 200 OK - Basic with payer info\"\n },\n {\n \"code\": \"<?xml version=\\\"1.0\\\" encoding=\\\"UTF-8\\\" standalone=\\\"yes\\\"?>\\n<alt-transaction xmlns=\\\"http://ws.plimus.com\\\">\\n <transaction-id>38490478</transaction-id>\\n <soft-descriptor>ABC COMPANY</soft-descriptor>\\n <amount>100.00</amount>\\n <currency>EUR</currency>\\n <vaulted-shopper-id>21786355</vaulted-shopper-id>\\n <sepa-direct-debit-transaction>\\n <iban-first-four>DE09</iban-first-four>\\n <iban-last-four>7893</iban-last-four>\\n <mandate-id>BS141932</mandate-id>\\n <mandate-date>29-Jun-17</mandate-date>\\n <pre-notification-text>The amount of 100.00 EUR will be collected using SEPA Direct Debit with Mandate BS141932 from your bank account IBAN DE09XXXXXX7893 in the next few days. Please ensure sufficient funds in your account.</pre-notification-text>\\n <pre-notification-translation-ref>https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=38490478</pre-notification-translation-ref>\\n </sepa-direct-debit-transaction>\\n <processing-info>\\n <processing-status>PENDING</processing-status>\\n </processing-info>\\n</alt-transaction>\",\n \"language\": \"xml\",\n \"name\": \"- with vaulted shopper with one saved account\"\n },\n {\n \"code\": \"<?xml version=\\\"1.0\\\" encoding=\\\"UTF-8\\\" standalone=\\\"yes\\\"?>\\n<alt-transaction xmlns=\\\"http://ws.plimus.com\\\">\\n <transaction-id>38490482</transaction-id>\\n <soft-descriptor>ABC COMPANY</soft-descriptor>\\n <amount>100.00</amount>\\n <currency>EUR</currency>\\n <vaulted-shopper-id>19557478</vaulted-shopper-id>\\n <sepa-direct-debit-transaction>\\n <iban-first-four>DE09</iban-first-four>\\n <iban-last-four>7893</iban-last-four>\\n <mandate-id>BS141936</mandate-id>\\n <mandate-date>29-Jun-17</mandate-date>\\n <pre-notification-text>The amount of 100.00 EUR will be collected using SEPA Direct Debit with Mandate BS141936 from your bank account IBAN DE09XXXXXX7893 in the next few days. Please ensure sufficient funds in your account.</pre-notification-text>\\n <pre-notification-translation-ref>https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=38490482</pre-notification-translation-ref>\\n </sepa-direct-debit-transaction>\\n <processing-info>\\n <processing-status>PENDING</processing-status>\\n </processing-info>\\n</alt-transaction>\",\n \"language\": \"xml\",\n \"name\": \"- with vaulted shopper with multiple saved accounts\"\n }\n ]\n}\n[/block]\n<a class=\"btn btn-primary\" href=\"#\" role=\"button\">Back to Top</a>\n\n<hr>\n\n##Example Descriptions\nFor details about the above examples, see:\n* [Create basic SEPA DD transaction with payer info](#section-create-basic-sepa-dd-transaction-with-payer-info)\n* [Create SEPA DD transaction with vaulted shopper with one saved account](#section-create-sepa-dd-transaction-with-vaulted-shopper-with-one-saved-account)\n* [Create SEPA DD transaction with vaulted shopper with multiple saved accounts](#section-create-sepa-dd-transaction-with-vaulted-shopper-with-multiple-saved-accounts)\n\n###Create basic SEPA DD Transaction with payer info\nThis example shows a basic Create SEPA DD Transaction request with a new shopper. For all SEPA DD transactions, you must collect a [mandate acceptance](/docs/sepa-direct-debit#section-step-1-collect-a-mandate-acceptance-from-your-shopper) from the shopper, authorizing \nthe funds to be pulled from their account. Include the `authorized-by-shopper` property with the value set to **true** to indicate that you have obtained the shopper's permission.\n\nA successful response from BlueSnap will include a `mandate-id` and `mandate-date`, whose values identify the shopper's mandate acceptance and the date on which the mandate was accepted, respectively. These two values must be displayed on the post-checkout page, the pre-notification email, and the receipt email. \n\nAdditionally, the response will contain `pre-notification-text` - the standard text (in English) that you must display in the pre-notification email - and `pre-notification-translation-ref` - [Get Pre-Notification Text](/v8976-Tools/docs/get-pre-notification-text) endpoint to obtain text in another language. \n\n###Create SEPA DD Transaction with vaulted shopper with one saved account\nTo perform a Create SEPA DD Transaction with an existing vaulted shopper with one saved bank account, you'll include the `vaulted-shopper-id` property within the **[alt-transaction](doc:alt-transaction)** object in your request. The `sepa-direct-debit-transaction` property can be left empty, as shown in the example. \n\n###Create SEPA DD Transaction with vaulted shopper with multiple saved accounts\nTo perform a Create SEPA DD Transaction request with an existing vaulted shopper with multiple saved bank accounts, you'll include the `vaulted-shopper-id` property within the **[alt-transaction](doc:alt-transaction)** object in your request. Additionally, you'll specify the shopper's bank account by including `iban-first-four` and `iban-last-four` within the `seba-direct-debit-transaction` property. \n\nThe above example includes an existing vaulted shopper with ID 19557478, and their bank account is specified by the first four characters (DE09) and last four characters (7893) of the IBAN. \n\n<br>\n\n<a class=\"btn btn-primary\" href=\"#\" role=\"button\">Back to Top</a>\n\n<hr>\n\n##API Explorer\nTo test out a call, enter the request content below and then click **Try it!**\n\n**Tip**: Use the JSON code below as a starting point. You can enter different parameters to see how your test scenario would work. *The request headers, including authorization, are already built in for you in this test area, so you should not include them here.*\n[block:code]\n{\n \"codes\": [\n {\n \"code\": \"<alt-transaction xmlns=\\\"http://ws.plimus.com\\\">\\n <sepa-direct-debit-transaction>\\n <iban>DE09100100101234567893</iban>\\n </sepa-direct-debit-transaction>\\n <payer-info>\\n <first-name>John</first-name>\\n <last-name>Doe</last-name>\\n </payer-info>\\n <amount>9.65</amount>\\n <currency>EUR</currency>\\n <soft-descriptor>ABC COMPANY</soft-descriptor>\\n <authorized-by-shopper>true</authorized-by-shopper>\\n</alt-transaction>\",\n \"language\": \"xml\"\n }\n ]\n}\n[/block]","excerpt":"","slug":"create-sepa-dd-transaction","type":"endpoint","title":"Create SEPA DD Transaction"}
postCreate SEPA DD Transaction
Definition
Documentation
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 alt-tansaction container, with the following:
merchant-transaction-id
string optional
soft-descriptor
string optional
amount
decimal required
currency
string required value must be EUR
vendors-info
container required if using marketplace vendor(s) (see vendors-info)
payer-info
container required if vaulted-shopper-id
is not sent (see payer-info)
vaulted-shopper-id
integer required if payer-info
is not sent
sepa-direct-debit-transaction
container required (see sepa-direct-debit-transaction)
authorized-by-shopper
boolean required value must be true
transaction-meta-data
container optional (see transaction-meta-data)
transaction-fraud-info
container optional (see transaction-fraud-info)
Response Details
If successful, the response HTTP status code is 200 OK.
The response contains the request properties plus these additions:
transaction-id
vaulted-shopper-id
processing-info
(see processing-info)
fraud-result-info
(see fraud-result-info)
vendors-info
(see vendors-info)
Examples
Request Examples
curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/xml' \
-H 'Accept: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
<alt-transaction xmlns="http://ws.plimus.com">
<sepa-direct-debit-transaction>
<iban>DE09100100101234567893</iban>
</sepa-direct-debit-transaction>
<payer-info>
<first-name>John</first-name>
<last-name>Doe</last-name>
</payer-info>
<amount>9.65</amount>
<currency>EUR</currency>
<soft-descriptor>ABC COMPANY</soft-descriptor>
<authorized-by-shopper>true</authorized-by-shopper>
</alt-transaction>'
curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/xml' \
-H 'Accept: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
<alt-transaction xmlns="http://ws.plimus.com">
<sepa-direct-debit-transaction/>
<vaulted-shopper-id>21786355</vaulted-shopper-id>
<amount>100.00</amount>
<currency>EUR</currency>
<soft-descriptor>ABC COMPANY</soft-descriptor>
<authorized-by-shopper>true</authorized-by-shopper>
</alt-transaction>'
curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/xml' \
-H 'Accept: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
<alt-transaction xmlns="http://ws.plimus.com">
<sepa-direct-debit-transaction>
<iban-first-four>DE09</iban-first-four>
<iban-last-four>7893</iban-last-four>
</sepa-direct-debit-transaction>
<vaulted-shopper-id>19557478</vaulted-shopper-id>
<amount>100.00</amount>
<currency>EUR</currency>
<soft-descriptor>ABC COMPANY</soft-descriptor>
<authorized-by-shopper>true</authorized-by-shopper>
</alt-transaction>'
<alt-transaction xmlns="http://ws.plimus.com">
<transaction-id>1011189089</transaction-id>
<soft-descriptor>ABC COMPANY</soft-descriptor>
<amount>9.65</amount>
<currency>EUR</currency>
<payer-info>
<first-name>John</first-name>
<last-name>Doe</last-name>
</payer-info>
<vaulted-shopper-id>21781957</vaulted-shopper-id>
<sepa-direct-debit-transaction>
<iban-first-four>DE09</iban-first-four>
<iban-last-four>7893</iban-last-four>
<mandate-id>Ooo153451</mandate-id>
<mandate-date>01-Aug-17</mandate-date>
<pre-notification-text>The amount of 9.65 EUR will be collected using SEPA Direct Debit with Mandate Ooo153451 from your bank account IBAN DE09XXXXXX7893 in the next few days. Please ensure sufficient funds in your account.</pre-notification-text>
<pre-notification-translation-ref>https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=1011189089</pre-notification-translation-ref>
</sepa-direct-debit-transaction>
<processing-info>
<processing-status>PENDING</processing-status>
</processing-info>
</alt-transaction>
<alt-transaction xmlns="http://ws.plimus.com">
<transaction-id>38490478</transaction-id>
<soft-descriptor>ABC COMPANY</soft-descriptor>
<amount>100.00</amount>
<currency>EUR</currency>
<vaulted-shopper-id>21786355</vaulted-shopper-id>
<sepa-direct-debit-transaction>
<iban-first-four>DE09</iban-first-four>
<iban-last-four>7893</iban-last-four>
<mandate-id>BS141932</mandate-id>
<mandate-date>29-Jun-17</mandate-date>
<pre-notification-text>The amount of 100.00 EUR will be collected using SEPA Direct Debit with Mandate BS141932 from your bank account IBAN DE09XXXXXX7893 in the next few days. Please ensure sufficient funds in your account.</pre-notification-text>
<pre-notification-translation-ref>https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=38490478</pre-notification-translation-ref>
</sepa-direct-debit-transaction>
<processing-info>
<processing-status>PENDING</processing-status>
</processing-info>
</alt-transaction>
<alt-transaction xmlns="http://ws.plimus.com">
<transaction-id>38490482</transaction-id>
<soft-descriptor>ABC COMPANY</soft-descriptor>
<amount>100.00</amount>
<currency>EUR</currency>
<vaulted-shopper-id>19557478</vaulted-shopper-id>
<sepa-direct-debit-transaction>
<iban-first-four>DE09</iban-first-four>
<iban-last-four>7893</iban-last-four>
<mandate-id>BS141936</mandate-id>
<mandate-date>29-Jun-17</mandate-date>
<pre-notification-text>The amount of 100.00 EUR will be collected using SEPA Direct Debit with Mandate BS141936 from your bank account IBAN DE09XXXXXX7893 in the next few days. Please ensure sufficient funds in your account.</pre-notification-text>
<pre-notification-translation-ref>https://sandbox.bluesnap.com/services/2/translations/sepa/prenotification?transactionid=38490482</pre-notification-translation-ref>
</sepa-direct-debit-transaction>
<processing-info>
<processing-status>PENDING</processing-status>
</processing-info>
</alt-transaction>
Example Descriptions
For details about the above examples, see:
- Create basic SEPA DD transaction with payer info
- Create SEPA DD transaction with vaulted shopper with one saved account
- Create SEPA DD transaction with vaulted shopper with multiple saved accounts
Create basic SEPA DD Transaction with payer info
This example shows a basic Create SEPA DD Transaction request with a new shopper. For all SEPA DD transactions, you must collect a mandate acceptance from the shopper, authorizing
the funds to be pulled from their account. Include the authorized-by-shopper
property with the value set to true to indicate that you have obtained the shopper's permission.
A successful response from BlueSnap will include a mandate-id
and mandate-date
, whose values identify the shopper's mandate acceptance and the date on which the mandate was accepted, respectively. These two values must be displayed on the post-checkout page, the pre-notification email, and the receipt email.
Additionally, the response will contain pre-notification-text
- the standard text (in English) that you must display in the pre-notification email - and pre-notification-translation-ref
- Get Pre-Notification Text endpoint to obtain text in another language.
Create SEPA DD Transaction with vaulted shopper with one saved account
To perform a Create SEPA DD Transaction with an existing vaulted shopper with one saved bank account, you'll include the vaulted-shopper-id
property within the alt-transaction object in your request. The sepa-direct-debit-transaction
property can be left empty, as shown in the example.
Create SEPA DD Transaction with vaulted shopper with multiple saved accounts
To perform a Create SEPA DD Transaction request with an existing vaulted shopper with multiple saved bank accounts, you'll include the vaulted-shopper-id
property within the alt-transaction object in your request. Additionally, you'll specify the shopper's bank account by including iban-first-four
and iban-last-four
within the seba-direct-debit-transaction
property.
The above example includes an existing vaulted shopper with ID 19557478, and their bank account is specified by the first four characters (DE09) and last four characters (7893) of the IBAN.
API Explorer
To test out a call, enter the request content below and then click Try it!
Tip: Use the JSON code below as a starting point. You can enter different parameters to see how your test scenario would work. The request headers, including authorization, are already built in for you in this test area, so you should not include them here.
<alt-transaction xmlns="http://ws.plimus.com">
<sepa-direct-debit-transaction>
<iban>DE09100100101234567893</iban>
</sepa-direct-debit-transaction>
<payer-info>
<first-name>John</first-name>
<last-name>Doe</last-name>
</payer-info>
<amount>9.65</amount>
<currency>EUR</currency>
<soft-descriptor>ABC COMPANY</soft-descriptor>
<authorized-by-shopper>true</authorized-by-shopper>
</alt-transaction>