Configuring SEPA Direct Debit

Learn how to configure SEPA Direct Debit for DigitalRiver.js with Elements.

If you're using DigitalRiver.js with Elements, you can create a SEPA Direct Debit payment method for your app or website in four easy steps:

• Step 1: Build a SEPA Direct Debit Source Request object

• Step 2: Create a SEPA Direct Debit source using DigitalRiver.js

• Step 3: Authorize a SEPA Direct Debit source

• Step 4: Use the authorized source

You can find an example of integration here.

Step 1: Build a SEPA Direct Debit source request and details objects

Build the SEPA Direct Debit Source Request and Details objects.

SEPA Direct Debit source request object

A SEPA Direct Debit Source Request object requires the following fields.

Field	Value
type	directDebit
sessionId	The payment session identifier.
owner	An Owner object.
directDebit	A SEPA Direct Debit Source Details object that includes the details of the transaction.

SEPA Direct Debit source details object

The SEPA Direct Debit Source Details object requires the following fields.

{
    "returnUrl": "https://example.com"
}

Field	Required/Optional	Description
returnUrl	Required	If you choose to use the full redirect flow, this is where you will redirect your customer to after authorizing or canceling within the SEPA Direct Debit experience.

Step 2: Create a SEPA Direct Debit source using DigitalRiver.js

Use the DigitalRiver.js library to create and mount elements to the HTML container.

The address object must contain postal code and state/province data that adheres to a standardized format using the state attribute. Note that the state attribute listed below corresponds to the countrySubdivision attribute used when providing address information. The payment session manages the correct field name on the backend.

var data = {
    "type": "directDebit",
    "sessionId": "ea03bf6f-84ef-4993-b1e7-b7d5ecf71d1f",
    "owner": {
        firstName: "John",
        lastName: "Doe",
        email: "[email protected]",
        phoneNumber: "000-000-0000",
        address: {
            line1: "123 Main Street",
            line2: "",
            city: "Paris",
            postalCode: "14390",
            country: "FR"
        }
    },
    "directDebit": {
        "returnUrl": "https://mypage.com"
    }
}
  
digitalriver.createSource(data).then(function(result) {
    if (result.error) {
        //handle errors
    } else {
        var source = result.source;
        //send the source to the back end
        sendToBackend(source);
    }
});

SEPA Direct Debit source example

{
    "clientId": "gc",
    "channelId": "drdod15",
    "liveMode": false,
    "id": "bddccfc7-4fa8-401b-b661-421cd5047792",
    "clientSecret": "bddccfc7-4fa8-401b-b661-421cd5047792_bdddssccfc7-4fa8-401b-b661-421cd5047792",
    "type": "directDebit",
    "reusable": false,
    "owner": {
        "firstName": "John",
        "lastName": "Doe",
        "email": "[email protected]",
        "phoneNumber": "000-000-0000",
        "address": {
            "line1": "98 Boulevard Saint-Germain",
            "city": "Paris",
            "state": "Île-de-France",
            "country": "FR",
            "postalCode": "75005"
        }
    },
    "amount": "778.39",
    "currency": "EUR",
    "state": "pending_redirect",
    "creationIp": "209.87.178.4",
    "createdTime": "2019-05-22T01:48:42.168Z",
    "updatedTime": "2019-05-22T01:48:42.168Z",
    "flow": "redirect",
    "redirect": {
        "redirectUrl": "https://api.digitalriver.com:443/payments/redirects/4e478578-843a-48a5-beef-66c0dae99f5d?apiKey=pk_test_6cb0fe9ce3124093a9ad906f6c589e2d",
        "returnUrl": "https://example.com?action=paymentSuccess"
    },
    "direct-debit": {}
}

Step 3: Authorize a SEPA Direct Debit source

When you create a SEPA Direct Debit source, the customer is required to authorize the charge through their payment provider. You can accomplish this by redirecting the customer to their payment provider.

Redirecting the customer for SEPA Direct Debit authorization

To redirect your customer for authorization, use the redirectUrl parameter in your createSource response.

HTML

window.location.href = sourceResponse.redirect.redirectUrl;

The payment provider will present the customer with the transaction details where they can authorize or cancel the transaction. A successful authorization redirects the customer to the SEPA Direct Debit Return URL parameter you specified when you created the source.

Step 4: Use the authorized source

Once authorized, you can use the source by attaching it to a cart or a shopper.

Option 1: Attach the source to a cart

POST /v1/shoppers/me/carts/active/apply-payment-method

{
  "paymentMethod": {
    "sourceId": "e7ba0595-059c-460c-bad8-2812123b9313"
  }
}

Option 2: Attach the source to a shopper

POST /v1/shoppers/me/payment-options

{
  "paymentOption": {
    "nickName": "My Token",
    "isDefault": "true",
    "sourceId": "61033d62-c0f4-4a7e-b844-07daf26ba84e"
  }
}

Testing SEPA Direct Debit

See Testing standard payment methods for testing instructions.