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SEPA Direct Debit (France)

Country: France (FR)  |  Payment Rail: bank_network

BankTransfer Market Adoption: 75%

SEPA Direct Debit France is EPC's interbank account pull auto-debit scheme powering French B2B and SaaS recurring billing.

🔄 User Payment Flow

  1. Customer selects SEPA Direct Debit at checkout
  2. Customer enters French IBAN and account holder name, signing SEPA mandate
  3. Merchant bank lodges SEPA instruction with customer's French bank
  4. Funds are cleared within 2-3 business days and recurring mandate is established

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API passes IBAN mandate payload to acquiring gateway
  • PSP lodges SEPA XML clearing instruction
  • PSP receives SEPA clearing advice callback and confirms merchant order status