Request SEPA Direct Debit

Before you can accept payments with SEPA Direct Debit, you need to request and be approved for the payment method. You can request several payment methods with the same API call.

Payment method review

All new merchant payment methods are reviewed by Swan. Swan might contact you for more information before accepting or rejecting the payment method.

Guide

1. Confirm you have a project access token, or, if you're an account member, a user access token with CanManageAccountMembership user rights.
2. Call the requestMerchantPaymentMethods mutation. You can request a payment method regardless of the status of the merchant profile.
3. Set sepaDirectDebitCore/sepaDirectDebitB2b activate to true.
4. The new merchant payment method is created with the status PendingReview and the version number 1.
5. Swan reviews the new merchant payment method and updates the status, rolling reserve, and payment amount limit.

Webhook notification

Go to your Dashboard > Developers > Webhooks to subscribe to the MerchantPaymentMethod webhook and receive a notification when the status of your request changes. You'll be notified when changes are made to the rolling reserve and payment amount limit.

Mutation

🔎 Open the mutation in API Explorer

This example uses Swan's SEPA creditor identifier. If your merchant already has their own SEPA creditor identifier, choose false (lines 7, 11).

mutation RequestSepaDirectDebit {
  requestMerchantPaymentMethods(
    input: {
      merchantProfileId: "$YOUR _MERCHANT_PROFILE_ID"
      sepaDirectDebitB2B: {
        activate: true
        useSwanSepaCreditorIdentifier: true
      }
      sepaDirectDebitCore: {
        activate: true
        useSwanSepaCreditorIdentifier: true
      }
    }
  ) {
    ... on RequestMerchantPaymentMethodsSuccessPayload {
      __typename
      merchantProfile {
        merchantPaymentMethods {
          id
          ... on SepaDirectDebitB2BMerchantPaymentMethod {
            methodId
            paymentAmountLimit {
              currency
              value
            }
            rollingReserve {
              percentage
              rollingDays
            }
            type
            statusInfo {
              status
            }
          }
          ... on SepaDirectDebitCoreMerchantPaymentMethod {
            methodId
            paymentAmountLimit {
              currency
              value
            }
            rollingReserve {
            percentage
            rollingDays
            }
            type
            statusInfo {
              status
            }
          }
        }
      }
    }
    ... on ForbiddenRejection {
      __typename
      message
    }
    ... on ValidationRejection {
      __typename
      message
    }
    ... on InternalErrorRejection {
      __typename
      message
    }
    ... on NotFoundRejection {
      id
      message
    }
  }
}

Payload

The payload confirms that both SepaDirectDebitCore and SepaDirectDebitB2b were requested successfully with the status PendingReview.

{
  "data": {
    "requestMerchantPaymentMethods": {
      "__typename": "RequestMerchantPaymentMethodsSuccessPayload",
      "merchantProfile": {
        "merchantPaymentMethods": [
          {
            "id": "6c3d12ac-0131-49b9-9540-7fbceaa00fb5",
            "methodId": "$PAYMENT_METHOD_ID",
            "paymentAmountLimit": {
              "currency": "EUR",
              "value": "150"
          },
            "rollingReserve": {
              "percentage": "100",
              "rollingDays": "5"
          },
            "type": "SepaDirectDebitCore",
            "statusInfo": {
              "status": "PendingReview"
            }
          },
          {
            "id": "11155b9f-f214-45b5-9013-2b2f9d5479ea",
            "methodId": "$PAYMENT_METHOD_ID",
            "paymentAmountLimit": {
              "currency": "EUR",
              "value": "150"
          },
            "rollingReserve": {
              "percentage": "100",
              "rollingDays": "5"
          },
            "type": "SepaDirectDebitB2b",
            "statusInfo": {
              "status": "PendingReview"
            }
          }
        ]
      }
    }
  }
}