Accept SEPA direct debit in your webshop

Short answer

With SitePack Payments you accept SEPA direct debit in your webshop, next to PayPal, cards and Wero. The customer authorises a one-off debit from their bank account at the checkout. A SEPA direct debit costs 0.45 euro per payment on Online Store Starter and 0.40 euro on Grow, excluding VAT.

How SEPA direct debit works

At the checkout the customer enters their name and IBAN and authorises you to collect the order amount from their account. The amount is then collected through the SEPA system, which works the same way in every euro country. Unlike a card or Wero payment, a direct debit is not confirmed instantly: collecting the money takes a few working days.

The customer enters their IBAN and gives a mandate
The amount is collected from their bank account
Works across the SEPA area with a euro account
A fixed rate per payment, whatever the order amount

What to know before you offer it

A SEPA direct debit can be reversed. Under the SEPA rules a customer can ask their bank to refund an authorised direct debit within eight weeks, and a debit can also bounce if there is not enough money in the account. Decide when you ship: many shops wait until the payment is in, or only offer direct debit to returning customers.

Collecting the money takes a few working days
Customers can request a refund from their bank within eight weeks
A returned direct debit carries a separate fee, listed on the pricing page
Consider shipping only after the payment has arrived

What SEPA direct debit costs on SitePack

A SEPA direct debit costs 0.45 euro per successful payment on Starter and 0.40 euro on Grow, whatever the order amount. That makes it a cheap option for larger orders compared with cards or PayPal, which charge a percentage. All rates exclude VAT and are listed on the payments pricing page.

SEPA direct debit compared

	SEPA direct debit	Wero
Paid from	The customer's bank account	The customer's bank account
Confirmation	After a few working days	Instant
Rate on Starter up to 50 euro	0.45 euro	0.25 euro
Rate on Starter for 200 euro	0.45 euro	1.42 euro

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Frequently asked questions

Can I accept SEPA direct debit on SitePack?

Yes. SEPA direct debit runs through SitePack Payments, next to PayPal, cards, Wero and the other methods you switch on.

What does SEPA direct debit cost?

0.45 euro per successful payment on Starter and 0.40 euro on Grow, excluding VAT. A returned direct debit carries a separate fee.

Can a customer reverse a direct debit?

Yes. Under the SEPA rules a customer can ask their bank to refund an authorised direct debit within eight weeks. A debit can also bounce if the account has too little money.

When should I ship an order paid by direct debit?

That is up to you. Many shops ship once the payment has arrived, which takes a few working days, or offer direct debit only to returning customers.