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SEPA Direct Debit (Netherlands)

Country: Netherlands (NL)  |  Payment Rail: bank_network

BankTransfer Market Adoption: 80%

SEPA Direct Debit is the EPC standard Eurozone interbank account auto-debit scheme in the Netherlands, supporting SaaS subscription recurring billing.

🔄 User Payment Flow

  1. Customer selects SEPA Direct Debit at checkout
  2. Customer enters IBAN and account holder name, authorizing electronic SEPA mandate
  3. Merchant's bank submits SEPA debit instruction to customer's Dutch bank
  4. Funds are cleared within 2-3 business days and recurring subscription mandate is stored

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API passes IBAN mandate payload to acquiring gateway (Adyen / Stripe)
  • PSP issues payment token and submits SEPA XML clearing file
  • PSP receives SEPA clearing advice callback and confirms merchant order status