SEPA Credit Transfer

REST API

SEPA Credit Transfer is a type of Offline Bank Transfer.

Wirecard Payment Gateway supports referenced and non-referenced SEPA Credit Transfer options.

Countries and Currencies

Countries

Please contact Merchant Support for Countries.

Currencies

Please contact Merchant Support for Currencies.

Communication Formats

This table illustrates how SEPA Credit Transfer notifications are encoded and which formats and methods can be used for requests and responses.

Requests/Responses

Format

XML

Methods

POST

IPN Encodement

Please follow the instructions given at Instant Payment Notification to set up IPN.

Transactions
Transaction Types

For transaction type details which are not given here look at Transaction Types.

Transaction Type Description Link to the Samples

authorization

Verifies payment details for structural validity and / or generates a reference ID for the merchant (not mandatory).

pending-credit

Transaction is processed in the Wirecard Payment Gateway.

See samples.

void-pending-credit

Voids a pending-credit.
Only available when the restrictions are met.

See samples.

credit

Transaction is processed by Wirecard Bank.

credit-return

The payment is returned by the consumer bank. See Return Codes.

Recurring Transactions are not supported for SEPA Credit Transfer.
The transaction type within the request must be credit or pending-credit. A credit will be transformed into a pending-credit by default.
refund

SEPA Credit Transfer may be used as a method for merchants to return funds to consumers. If it is being used as a way for the merchant to refund a specific debit transaction, it is recommended that a parent-transaction ID (i.e. the transaction ID of the successful Debit) is included in the request in order to be able to match the refund to the original transaction.

void

SEPA void can be used with both SEPA payment methods: SEPA Credit Transfer and SEPA Direct Debit.

Execution Date
This is the date on which the transfer will be executed. According to SEPA regulations, it is required to be one (1) business day after it has entered the banking system. This date is set by Wirecard during processing and is not part of the request or the response.
Test Credentials

URLs (Endpoints)

https://api-test.wirecard.com/engine/rest/paymentmethods/

Merchant Account ID (MAID)

59a01668-693b-49f0-8a1f-f3c1ba025d45

Username

16390-testing

Password

3!3013=D3fD8X7

Secret Key

Please contact merchant support for complete test credentials.

Workflow
SEPA Credit Transfer Workflow
  1. The transaction type within the request must be credit or pending-credit.

  2. If the request is successful, a response will be returned with status Success. This response means that the transaction has entered the Wirecard Payment Gateway successfully. The transaction itself is in a pending status, waiting to be sent to the merchant’s bank.

  3. If the request is not successful, a response will be returned with status Failed. The response always contains a status code and a description. Please read this description carefully as it will help to understand why the transaction request has failed and what needs to be fixed in order to send a successful transaction request.

  4. Once the transaction has been successfully sent to and processed by the bank, a new transaction with type credit will be created in status Success. This process usually takes up to 2 business days. The transaction will then be forwarded the Central Bank for processing.

  5. If the transaction has been rejected by the merchant’s bank, a credit transaction on status Failed will be created and the transaction will not be sent to the Central Bank.

  6. The merchant will receive a notification of the credit transaction.

Although a transaction has been successfully processed by the merchant’s bank, the transaction may still be reversed by the consumer’s bank for reasons such as insufficient funds, account owner deceased, bank account closed, etc. In this case, a credit-return transaction will be created and matched to the original credit transaction to ensure the merchant has a complete overview for his debtor management. For a full list of credit-return reasons, please refer to the list of SEPA Return Codes.

The merchant can request the status of the transaction at any time by sending a "Retrieve Transaction by Transaction ID" or "Retrieve Transaction by Request ID".

Fields

The fields used for SEPA Credit Transfer requests, responses and notifications are the same as the REST API fields. Please refer to: REST API Fields.

Only the fields listed below have different properties.

The following elements are mandatory (M), optional (O) or conditional (C) for a request/response/notification.

Field Request Response Notification Datatype Size Description

descriptor

O

O

O

String

100

Description on the settlement of the account holder’s account about a transaction.

For SEPA Credit Transfer transactions, it will be combined with the Provider Transaction Reference ID and the merchant’s static descriptor and will appear on the consumer’s bank account statement.

payment-methods.payment-method-Name

M

M

M

String

15

This is the name of the payment method sepacredit.

api-id

M

api-id

25

The API id is always returned in the notification. For SEPA it is "---"

bank-account.bic

O

O

O

String

8 or 11

This is the Business Identifier Code of the bank of the end-consumer. In SEPA Area where IBAN Only is enabled, BIC is an optional field.

bank-account.iban

C

C

C

String

34

This is the International Bank Account Number of the end-consumer.

If no parent-transaction-id is provided, it remains mandatory.

provider-transaction-reference-id

M

M

String

10

This ID provides a reference for the complete end-to-end lifecycle of a SEPA Credit Transfer transaction. It is used as a reference within the banking system to ensure all transactions referencing each other (eg: a credit and a debit-return) are matched and that the complete lifecycle of a payment is identifiable. Wirecard generates this ID for the merchant.

account-holder.last-name

M

M

M

String

32

This is the last name of the end-consumer.

Samples

Go to Notification Examples, if you want to see corresponding notification samples.

pending-credit

XML

XML Pending-Credit Request (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>59a01668-693b-49f0-8a1f-f3c1ba025d45</merchant-account-id>
    <request-id>${unique for each request}</request-id>
    <transaction-type>pending-credit</transaction-type>
    <!-- optional  <parent-transaction-id>a31d8dcc-fedc-11e4-8671-005056a97162</parent-transaction-id> -->
    <requested-amount currency="EUR">0.11</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>john.doe@example.com</email>
        <address>
            <street1>Example Street 1</street1>
            <city>Example City</city>
            <country>DE</country>
        </address>
    </account-holder>
    <!-- optional  <order-number>4509334</order-number> -->
    <!-- optional   <descriptor>test</descriptor> -->
    <payment-methods>
        <payment-method name="sepacredit" />
    </payment-methods>
    <bank-account>
        <iban>HU29117080012054779400000000</iban>
        <bic>GENODEF1OGK</bic>
    </bank-account>
    <!-- optional  <cancel-redirect-url>http://sandbox-engine.thesolution.com/shop_urlViaRequest/cancel.html</cancel-redirect-url> --></payment>
XML Pending-Credit Response (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>59a01668-693b-49f0-8a1f-f3c1ba025d45</merchant-account-id>
  <transaction-id>d1bb484a-2d12-4f2c-91fa-138b34197497</transaction-id>
  <request-id>cca8ea3c-6203-459f-9cbf-8705fd0f3800</request-id>
  <transaction-type>pending-credit</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-04-13T08:39:19.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">0.11</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>john.doe@example.com</email>
    <address>
      <street1>Example Street 1</street1>
      <city>Example City</city>
      <country>DE</country>
    </address>
  </account-holder>
  <payment-methods>
    <payment-method name="sepacredit" />
  </payment-methods>
  <bank-account>
    <iban>HU29117080012054779400000000</iban>
    <bic>GENODEF1OGK</bic>
  </bank-account>
  <provider-transaction-reference-id>BA89E3BADC</provider-transaction-reference-id>
</payment>
XML Pending-Credit Request (Failure)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>59a01668-693b-49f0-8a1f-f3c1ba025d45</merchant-account-id>
    <request-id>${unique for each request}</request-id>
    <transaction-type>pending-credit</transaction-type>
    <requested-amount currency="EUR">10.01</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <payment-methods>
        <payment-method name="sepacredit" />
    </payment-methods>
    <bank-account>
        <bic>WIREDEMMXXX</bic>
    </bank-account></payment>
XML Pending-Credit Response (Failure)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
 <merchant-account-id>59a01668-693b-49f0-8a1f-f3c1ba025d45</merchant-account-id>
 <transaction-id>c9d5f0c2-9331-4c7e-afd6-e1eb407243ad</transaction-id>
 <request-id>54d9d8fd-f33b-43b7-8f0e-753ba16991f0</request-id>
 <transaction-type>pending-credit</transaction-type>
 <transaction-state>failed</transaction-state>
 <completion-time-stamp>2018-04-13T08:42:39.000Z</completion-time-stamp>
 <statuses>
  <status code="400.1081" description="The Bank Account IBAN information has not been provided.  Please check your input and try again." severity="error" />
 </statuses>
 <requested-amount currency="EUR">10.01</requested-amount>
 <account-holder>
  <first-name>John</first-name>
  <last-name>Doe</last-name>
 </account-holder>
 <payment-methods>
  <payment-method name="sepacredit" />
 </payment-methods>
 <bank-account>
  <bic>WIREDEMMXXX</bic>
 </bank-account>
</payment>

JSON

JSON Pending-Credit Request (Successful)
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "4c901196-eff7-411e-82a3-5ef6b6860d64"
    },
    "request-id" : "${unique for each request}",
    "transaction-type" : "pending-credit",
    "requested-amount" : {
      "value" : 0.11,
      "currency" : "EUR"
    },
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe",
      "email" : "daemonize@yahoo.co.uk",
      "address" : {
        "street1" : "Tiefstraße 3",
        "city" : "München",
        "country" : "DE"
      }
    },
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "sepacredit"
      } ]
    },
    "bank-account" : {
      "iban" : "HU29117080012054779400000000",
      "bic" : "GENODEF1OGK"
    },
    "mandate" : {
      "mandate-id" : "12345678",
      "signed-date" : "2014-05-06"
    },
    "consumer" : {
      "first-name" : "",
      "last-name" : ""
    }
  }
}
JSON Pending-Credit Response (Successful)
 {
  "payment" : {
    "merchant-account-id" : {
      "value" : "4c901196-eff7-411e-82a3-5ef6b6860d64"
    },
    "transaction-id" : "7c55532a-34f9-11e5-b074-005056a96a54",
    "request-id" : "${request}",
    "transaction-type" : "pending-credit",
    "transaction-state" : "success",
    "completion-time-stamp" : 1438068184000,
    "statuses" : {
      "status" : [ {
        "value" : "",
        "code" : "201.0000",
        "description" : "The resource was successfully created.",
        "severity" : "information"
      } ]
    },
    "requested-amount" : {
      "value" : 0.11,
      "currency" : "EUR"
    },
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe",
      "email" : "daemonize@yahoo.co.uk",
      "address" : {
        "street1" : "Tiefstraße 3",
        "city" : "München",
        "country" : "DE"
      }
    },
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "sepacredit"
      } ]
    },
    "bank-account" : {
      "iban" : "HU29117080012054779400000000",
      "bic" : "GENODEF1OGK"
    },
    "mandate" : {
      "mandate-id" : "12345678",
      "signed-date" : "2014-05-06"
    },
    "consumer" : {
      "first-name" : "",
      "last-name" : ""
    },
    "provider-transaction-reference-id" : "FD787FBC69"
  }
}
void-pending-credit

Void-Pending-Credit Restrictions

void-pending-credit transactions can be sent until the transaction is not sent to the bank.

XML

XML Void-Pending-Credit Request (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>59a01668-693b-49f0-8a1f-f3c1ba025d45</merchant-account-id>
    <request-id>${unique for each request}</request-id>
    <transaction-type>void-pending-credit</transaction-type>
    <requested-amount currency="EUR">0.15</requested-amount>
    <parent-transaction-id>${derived from former pending-credit transaction}</parent-transaction-id>
    <payment-methods>
        <payment-method name="sepacredit" />
    </payment-methods>
</payment>
XML Void-Pending-Credit Response (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
 <merchant-account-id>59a01668-693b-49f0-8a1f-f3c1ba025d45</merchant-account-id>
 <transaction-id>75abb31d-30fc-472e-97d8-67081dbd9e6c</transaction-id>
 <request-id>cf9fddf3-97e8-4fef-989d-0b0274ceab17</request-id>
 <transaction-type>void-pending-credit</transaction-type>
 <transaction-state>success</transaction-state>
 <completion-time-stamp>2018-04-13T08:45:05.000Z</completion-time-stamp>
 <statuses>
  <status code="200.0000" description="The request completed successfully." severity="information" />
 </statuses>
 <requested-amount currency="EUR">0.15</requested-amount>
 <parent-transaction-id>8938d389-6575-4467-95e4-ca9cf89266b9</parent-transaction-id>
 <account-holder>
  <first-name>John</first-name>
  <last-name>Doe</last-name>
  <email>john.doe@example.com</email>
  <address>
   <street1>Example Street 1</street1>
   <city>Example City</city>
   <country>DE</country>
  </address>
 </account-holder>
 <payment-methods>
  <payment-method name="sepacredit" />
 </payment-methods>
 <bank-account>
  <iban>HU29117080012054779400000000</iban>
  <bic>GENODEF1OGK</bic>
 </bank-account>
 <api-id>---</api-id>
</payment>
XML Void-Pending-Credit Request (Failed)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>59a01668-693b-49f0-8a1f-f3c1ba025d45</merchant-account-id>
    <request-id>${unique for each request}</request-id>
    <transaction-type>void-pending-credit</transaction-type>
    <requested-amount currency="EUR">10.00</requested-amount>
    <payment-methods>
        <payment-method name="sepacredit" />
    </payment-methods></payment>
XML Void-Pending-Credit Response (Failed)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
 <merchant-account-id ref="unknown">59a01668-693b-49f0-8a1f-f3c1ba025d45</merchant-account-id>
 <request-id>41595b1c-8994-4c2e-ae05-d48c00471b29</request-id>
 <transaction-type>void-pending-credit</transaction-type>
 <transaction-state>failed</transaction-state>
 <completion-time-stamp>2018-04-13T08:47:59.131Z</completion-time-stamp>
 <statuses>
  <status code="400.1021" description="The Parent Transaction Id is required, and not provided.  Please check your input and try again." severity="error" />
 </statuses>
 <requested-amount currency="EUR">10.00</requested-amount>
 <payment-methods>
  <payment-method name="sepacredit" />
 </payment-methods>
</payment>
Custom URL: