The SEPA (Single Euro Payments Area) through Adyen is a pan-European network that allows consumers to send and receive payments in euros (€) between two cross-border bank accounts in the eurozone. With SEPA, sending money within the eurozone is as easy as making your usual domestic bank transfers.

Services and compatibility

Gateway-specific information

Because SEPA through Adyen is only for euros, the merchant account (MID) used for this payment method must have EUR as the settlement currency.

SEPA through Adyen supports the iframe integration method. However, Nexio recommends that integrations use the Adyen Drop-in because it gives a better experience to the user and easier implementation for the merchant. Note that the drop-in is not for auth-only transaction types. When using the Drop-In, you must include all the required fields for all the potential alternative payment methods that you want to display in the Drop-In.

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Important

When using the Adyen Drop-in, ensure that you configure Adyen to only use Adyen alternative payment methods that Nexio supports. Failure to do this results in errors.

SEPA through Adyen also supports installments or recurring payments. To enable it for a transaction, include the processingOptions.saveRecurringToken parameter in the request to create a one-time-use token. For additional information, see Recurring payments.

Bank transactions, such as with SEPA through Adyen, do not allow for chargebacks.

Configuration

Apart from working with Integrations Support to add SEPA through Adyen as a payment method, you do not need to do any other configuration steps. You need to provide Integrations Support with your Adyen client key.

If you want to use the Adyen Drop-In, work with Integrations Support to add that as a separate payment method. You must also configure the Drop-in through Adyen's site. Ensure that you configure it to only use payment methods that Nexio supports.

Required fields

The following table shows the required and optional fields for SEPA through Adyen transactions in the Create APM one-time-use token request.

Example requests

The following are example one-time-use token requests for SEPA through Adyen for the iframe integration methods:

curl -X POST https://api.nexiopaysandbox.com/apm/v3/token \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Basic [Base64_encoded_login]'
  -d '{
  "data": {
    "amount": 10.15,
    "currency": "EUR",
    "customer": {
      "orderNumber": "12345678",
      "firstName": "John",
      "lastName": "Doe",
      "email": "[email protected]"
    },
    "paymentMethod": "adyenSepa"
  }
}'

curl --request POST \
     --url https://api.nexiopaysandbox.com/apm/v3/token \
     --header 'accept: application/json' \
     --header 'authorization: Basic Z3dpbm5AbmV4LmlvOjZ6VVFjOlFlekg4NndQRQ==' \
     --header 'content-type: application/json' \
     --data '
{
  "isAuthOnly": false,
  "data": {
    "amount": 10.15,
    "currency": "EUR",
    "customer": {
      "orderNumber": "210058A",
      "firstName": "John",
      "lastName": "Doe",
      "email": "[email protected]",
      "customerRef": "RP006"
    },
    "description": "Description",
    "paymentMethod": "adyenSepa"
  },
  "processingOptions": {
    "saveRecurringToken": false,
    "merchantId": "000999",
    "paymentOptionTag": "paymentoptiontag"
  },
  "uiOptions": {
    "css": "https://tester.nexiopaysandbox.com/example1.css"
  },
  "customerRedirectUrl": "https://www.your-ecommerce-website.com"
}
'

curl -X POST https://api.nexiopaysandbox.com/apm/v3/token \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Basic [Base64_encoded_login]'
  -d '{
  "data": {
    "amount": 10.15,
    "currency": "EUR",
    "customer": {
      "orderNumber": "12345678",
      "firstName": "John",
      "lastName": "Doe",
      "email": "[email protected]"
    },
    "processingOptions": {
      "saveRecurringToken": true
  }
    "paymentMethod": "adyenSepa"
  }
}'

{
  "expiration": "2023-09-18T15:43:05.664Z",
  "token": "830d36f6-a5e3-4455-9600-3a55b63e2fc2",
  "asyncTraceId": "830d36f6-a5e3-4455-9600-3a55b63e2fc2",
  "expressIFrameUrl": "https://www.api.nexiopaysandbox.com/v3?token=830d36f6-a5e3-4455-9600-3a55b63e2fc2",
  "redirectUrls": [],
  "buttonIFrameUrls": [
    {
      "paymentMethod": "adyenSepa",
      "url": "https://api.nexiopaysandbox.com/apm/v3?token=830d36f6-a5e3-4455-9600-3a55b63e2fc2&paymentMethod=adyenSepa"
    },
    {
      "paymentMethod": "adyenDropIn",
      "url": "https://api.nexiopaysandbox.com/apm/v3?token=830d36f6-a5e3-4455-9600-3a55b63e2fc2&paymentMethod=adyenDropIn"
    },
    {
      "paymentMethod": "klarnaCheckout",
      "url": "https://api.nexiopaysandbox.com/apm/v3?token=830d36f6-a5e3-4455-9600-3a55b63e2fc2&paymentMethod=klarnaCheckout"
    }
  ]
}

For the multi iframe integration method: You use the expressIFrameUrl value in the steps for the transaction.

For the individual iframe option: You use the buttonIFrameUrls.url of "paymentMethod": "adyenSepa" for the transaction.

For the Adyen Drop-in option: You use the buttonIFrameUrls.url of the adyenDropIn paymentMethod. Add this URL to the "src" of an iframe on the payment page.

Transaction types and integration methods

Regardless of the integration method workflow you implement, consumers see a payment form in an iframe on the page.

Nexio supports the following transaction types for SEPA through Adyen:

• Auth Only
• Recurring payments
• Sale
  • In an iframe that displays all payment methods available to the customer (based on the customer’s location and the merchant’s configured payment methods)
    
  • In an individual iframe
    
    
  • In the Adyen drop-in
    

• Void
• Capture
• Refund

Recurring payments

You can use SEPA through Adyen to run an initial transaction, then use the saved APM token to run subsequent transactions. You can do this for transactions that are merchant-initiated (MIT) or customer-initiated (CIT). This works similarly to saving a card token and using it for future transactions (whether the customer is present or not).

The basic steps are the following:

1. Request an APM one-time-use token. In the request, include the processingOptions.saveRecurringToken parameter and set it equal to true.
2. Run the sale transaction as normal for the integration method.
3. Save the apm.token value returned in a successful response.
4. For a subsequent transaction, whether merchant-initiated (MIT) or customer-initiated (CIT), send a POST request to the Run APM transaction endpoint. In the request, use the saved APM token.
   The system runs the transaction.

For additional information about MIT, see the Run a merchant-initiated recurring transaction topic.

Testing data

Adyen has an extensive list of test accounts. For more information, see SEPA Direct Debit on Adyen's site.

Response handling

In the one-time-use token request, SEPA through Adyen gets returned in the paymentMethod parameter as adyenSepa or adyenDropIn.

When implementing merchant-initiated recurring transactions, you need to save the apm.token parameter from the response. For more information, see Run a merchant-initiated recurring transaction.

Nexio responds with transaction results in one of the following ways, depending on your integration workflow:

• Event messages: This applies to integrations that do not pass a customerRedirectUrl in the request.
• Response fields in the URL: This applies to integrations that do provide a customerRedirectUrl in the request.

In addition to one of the above, if your merchant account is configured to receive webhooks, Nexio provides responses to the webhook URLs that have been registered. For further explanation of the webhook event types, see the webhook Event types table.

For SEPA through Adyen, these are the possible webhook event types:

• TRANSACTION_AUTHORIZED
• TRANSACTION_CAPTURED
• TRANSACTION_REFUNDED
• TRANSACTION_SETTLED
• TRANSACTION_VOIDED

For information about how to run each of the integration workflows, see Transaction types and integration methods above.

Status workflows

The status of a successful transaction with SEPA through Adyen varies, depending on the options you choose.

*Pending status displays as "authorized" or "AUTHORIZED" in the Nexio Dashboard; it displays as 10, meaning "authorized", in the response when querying transactions (for more information about transactionStatus, see the table).

Next steps

Now, you are ready to get started with running transactions:

• Run a sale transaction
• Run a merchant-initiated recurring transaction

If you have any additional questions or feedback, see Contact us.