SEPA Direct Debit
Country: Poland (PL) | Payment Rail: bank_clearing
DirectDebit
Market Adoption: 4%
SEPA Direct Debit is a standardized European direct debit pull payment scheme in Poland, featuring pre-authorized automated bank account deductions and widely used for recurring utility bills, SaaS software subscriptions, and cross-border European settlements.
🔄 User Payment Flow
- Customer enters IBAN number and signs electronic direct debit mandate
- Merchant receives pre-authorization to pull scheduled payments
- Clearing network debits customer bank account on the agreed due dates
⚙️ Characteristics & Settlement
| Instant Payment | NO |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant captures signed electronic mandate via PSP
- PSP transmits batch direct debit requests to European clearing system
- Settled funds are credited to merchant account
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Stripe🔌 Adyen