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SEPA Direct Debit (Spain)

Country: Spain (ES)  |  Payment Rail: direct_debit

DirectDebit Market Adoption: 60%

SEPA Direct Debit is the standard pan-European bank debit scheme widely used in Spain for SaaS subscriptions, utility bills, and recurring billing.

🔄 User Payment Flow

  1. Customer provides IBAN and signs electronic SEPA mandate
  2. Merchant submits debit request to bank prior to billing date
  3. Customer's bank debits account within 1-3 business days
  4. Merchant receives settlement confirmation

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant collects IBAN and e-mandate via gateway API
  • PSP submits SEPA XML file to clearing network
  • PSP updates transaction status upon clearing confirmation

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen