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SEPA Direct Debit

Country: Belgium (BE)  |  Payment Rail: bank_clearing

DirectDebit Market Adoption: 6%

SEPA Direct Debit is a standardized European direct debit payment system in Belgium, featuring automated bank account pull clearing and recurring authorization and widely used for monthly utility bills, subscription services, and B2B settlements.

🔄 User Payment Flow

  1. Customer enters bank account holder name and IBAN number during checkout
  2. Customer electronically signs a SEPA Direct Debit Mandate authorizing recurring or one-off debits
  3. Merchant submits debit instruction to clearing house in advance of due date
  4. Customer bank account is automatically debited on scheduled settlement date

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant captures customer IBAN and stores signed electronic SEPA mandate
  • Merchant transmits batch debit files via PSP or direct banking clearing channel
  • Bank clears funds within SEPA standard processing cycle (1-3 business days)

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen