SEPA Direct Debit

Information on the SEPA Direct Debit payment method.


This payment method allows merchants in Euro/SEPA countries to be paid through a direct debit initiation. The customer gives the agreement to the merchant to automatically debit funds from his personal bank account. Merchants can add this method on Smart Checkout and receive payments from customers with valid SEPA IBANs from banks participating in SEPA.

Some of the main benefits of offering SEPA Direct Debit as a payment method are:

User Experience


At the checkout, the customer selects SEPA Direct Debit as their preferred payment method, before filling in:

The customer then clicks the ‘Confirm mandate […]’ button. If the IBAN is valid, the payment information is sent to the customer’s bank:

SEPA Direct Debit - User Journey - 1


Please also see our video below, outlining the use of SEPA Direct Debit.


How to activate SEPA Direct Debit

Environment Activation details
Production If you wish to activate this payment method, please contact your Viva Wallet sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.
Demo This payment method is unavailable on demo environment.

Payment method messaging

It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values. Please see our payment method messaging guide for more details on why and where we would recommend adding this information to your site.

If desired, you can download and use this icon on your site or online store, in order to show customers you offer SEPA Direct Debit as a payment method:

Payment Method Icon - SEPA Direct Debit

Get Support

If you would like to integrate with Viva Wallet, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!