---
title: SEPA
pageComponent:
  name: PaymentMethodsTitle
  paymentMethod: SEPA
  queryKey: SEPA
permalink: /en/notes/paymentMethods/SEPADirectDebit/
createTime: '2025/06/24 11:04:19'
description: >-
  SEPA is Europe's unified payment system that simplifies cross-border euro payments. It mainly includes two models: SEPA Direct Debit (SDD) and SEPA Credit Transfer (SCT). SDD allows payees to directly debit funds after obtaining authorization, suitable for consumer and personal transactions, supporting no-reason refunds within 8 weeks and 13-month unauthorized transaction追溯. SCT is initiated by the payer, irreversible after confirmation, requires separate authorization and has no unilateral refund mechanism.
---

# SEPA

**SEPA Payment System Overview**

The Single Euro Payments Area (SEPA) is Europe's unified payment system designed to simplify cross-border euro payments, making them as efficient and convenient as domestic payments. SEPA mainly includes two core payment models: SEPA Direct Debit (SDD) and SEPA Credit Transfer (SCT), which have significant differences in transaction mechanisms, reversibility, and applicable scenarios.

**SEPA Direct Debit (SDD) Detailed Explanation [SEPA Direct Debit]**

**Basic Principle**
SEPA Direct Debit is a payment mechanism initiated by the payee, allowing the payee to directly debit funds from the payer's account after obtaining the payer's prior authorization.

**Type Classification**
> - **Consumer Direct Debit (Core SDD)**: Standard model for individual consumers
> - **Business Direct Debit (B2B SDD)**: Specifically designed for business-to-business transactions

**Refund Mechanism**
> - Consumers can apply for a refund without reason within **8 weeks after payment**
> - For unauthorized transactions, the refund period can be extended to **13 months**
> - The refund process is executed automatically without approval from the payee

**SEPA Credit Transfer (SCT) Detailed Explanation [SEPA Credit Transfer]**

**Basic Principle**
SEPA Credit Transfer is a payment method actively initiated by the payer, where the payer instructs their bank to transfer funds to the payee's account.

**Transaction Characteristics**
- Once executed, the transaction is confirmed and basically irreversible
- Each transaction requires separate authorization from the payer
- No unilateral refund mechanism; refunds require the payee's agreement and active initiation

**Refund Mechanism Comparison**
| Refund Characteristics | SEPA Direct Debit (SDD) | SEPA Credit Transfer (SCT) |
|---------|-------------------|-------------------|
| **Consumer Refund Rights** | Can refund without reason within 8 weeks after payment | Cannot refund unilaterally, requires payee's agreement |
| **Unauthorized Transactions** | Can be traced back up to 13 months | - |
| **Refund Process** | Automatically executed without payee approval | Requires payee to actively initiate refund transaction |

**Compliance Requirements**

| Integration Method       | PCI DSS | Risk Control JS | 3DS Component |
|:-------------------|:--------|:-----|:-------------|
| Embedded Cashier      | Not Required | Not Required      | Not Required  |
| Redirect Cashier      | Not Required | Not Required      | Not Required  |
| Server To Server   | Not Required | Not Required      | Not Required  |

<v4-v2-PaymentMethods-SPEAFeatures/>

## 支付方式数据

### SEPA

SEPA是欧元区统一的直接借记支付系统。允许商家从客户银行账户直接收取款项,适用于定期付款和一次性交易。覆盖欧元区国家,简化了跨境支付流程,广泛用于账单支付、订阅服务和B2B交易。SEPA Direct Debit通过统一欧元区的支付标准,大大降低了跨境交易的复杂性和成本,促进了欧洲单一市场的发展。

#### LLM 摘要

- 支付方式代码：SEPA
- 支付类别/类型：APM / Direct Debit
- 支持国家/地区：AD, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI 等，共 36 项
- 支持交易币种：EUR
- 支付能力：全额退款、部分退款、拒付
- 支持集成：跳转收银台、一页收银台、内嵌 SDK、API Only / S2S

| 字段 | 内容 |
|------|------|
| 支付方式代码 | SEPA |
| 支付类别 | APM |
| 支付类型 | Direct Debit |
| 处理方式 | Online Payment |
| 支持交易的国家/地区 | AD, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI 等，共 36 项 |
| 支持交易币种 | EUR |
| 支持结算币种 | EUR |
| 支付限额 | MIN:0.1 EUR;MAX:1000 EUR |
| 退款有效期 | 365 days |
| 结算周期 | 结算周期 |

### 支持范围

#### 支持交易的国家/地区（共 36 项）

- AD, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV
- MC, MT, NL, NO, PL, PT, RO, SE, SI, SK, SM, VA

#### 支持交易币种

- EUR

#### 支持结算币种

- EUR

### 支付能力

| 能力 | 支持情况 |
|------|----------|
| 全额退款 | 支持 |
| 部分退款 | 支持 |
| 3DS | 不支持 |
| 预授权确认 | 不支持 |
| 订阅/周期扣款 | 不支持 |
| Card on File | 不支持 |
| Network Token | 不支持 |
| Code Grant | 不支持 |
| 拒付 | 支持 |

### 支持的集成方式

| 集成方式 | 支持情况 |
|----------|----------|
| 跳转收银台 | 支持 |
| 一页收银台 | 支持 |
| 内嵌 SDK | 支持 |
| Element SDK | 不支持 |
| API Only / S2S | 支持 |

#### 集成入口说明

| 集成方式 | 类型 | 说明 | 文档链接 |
|----------|------|------|----------|
| 跳转收银台 | hosted | 从您的网站重定向到托管的收银台页面 | /notes/zh/paymentMethods/SEPADirectDebit/checkout/ |
| 内嵌收银台 | JS-SDK | 在您的网站上使用JS-SDK嵌入收银台组件 | /notes/zh/paymentMethods/SEPADirectDebit/sdk/ |
| Server To Server | API | 使用API在服务端交互，完全定制您的网站支付页面 | /notes/zh/paymentMethods/SEPADirectDebit/s2s/ |

### Pay by Bank

#### LLM 摘要

- 支付方式代码：Pay by Bank
- 支付类别/类型：APM / Bank Transfer
- 支持国家/地区：AT, BE, DE, EE, ES, FI, FR, IE, IT, LT, LU, LV 等，共 14 项
- 支持交易币种：EUR
- 支付能力：全额退款、部分退款
- 支持集成：跳转收银台、一页收银台、内嵌 SDK、API Only / S2S

| 字段 | 内容 |
|------|------|
| 支付方式代码 | Pay by Bank |
| 支付类别 | APM |
| 支付类型 | Bank Transfer |
| 处理方式 | Online Payment |
| 支持交易的国家/地区 | AT, BE, DE, EE, ES, FI, FR, IE, IT, LT, LU, LV 等，共 14 项 |
| 支持交易币种 | EUR |
| 支持结算币种 | EUR |
| 支付限额 | Credit Transfer: 999.999.999,99 EUR \| 1-2 business days;Instant: 100.000,00 EUR \| 5 seconds |
| 退款有效期 | -- |
| 退款方式 | 原路退回 |
| 结算周期 | 结算周期 |

### 支持范围

#### 支持交易的国家/地区（共 14 项）

- AT, BE, DE, EE, ES, FI, FR, IE, IT, LT, LU, LV, NL, PT

#### 支持交易币种

- EUR

#### 支持结算币种

- EUR

### 支付能力

| 能力 | 支持情况 |
|------|----------|
| 全额退款 | 支持 |
| 部分退款 | 支持 |
| 3DS | 不支持 |
| 预授权确认 | 不支持 |
| 订阅/周期扣款 | 不支持 |
| Card on File | 不支持 |
| Network Token | 不支持 |
| Code Grant | 不支持 |
| 拒付 | 不支持 |

### 支持的集成方式

| 集成方式 | 支持情况 |
|----------|----------|
| 跳转收银台 | 支持 |
| 一页收银台 | 支持 |
| 内嵌 SDK | 支持 |
| Element SDK | 不支持 |
| API Only / S2S | 支持 |

#### 集成入口说明

| 集成方式 | 类型 | 说明 | 文档链接 |
|----------|------|------|----------|
| 跳转收银台 | hosted | 从您的网站重定向到托管的收银台页面 | /notes/zh/paymentMethods/SEPADirectDebit/checkout/?paymentMethod=PayByBank |
| 内嵌收银台 | JS-SDK | 在您的网站上使用JS-SDK嵌入收银台组件 | /notes/zh/paymentMethods/SEPADirectDebit/sdk/?paymentMethod=PayByBank |
| Server To Server | API | 使用API在服务端交互，完全定制您的网站支付页面 | /notes/zh/paymentMethods/SEPADirectDebit/s2s/?paymentMethod=PayByBank |