# Accept SEPA Direct Debit Payments with Dodo Payments > Accept SEPA Direct Debit through Dodo Payments with localized EUR checkout, global method orchestration, and Merchant of Record compliance support. - **Type**: bank-transfer - **URL**: https://dodopayments.com/payment-methods/sepa --- ## How SEPA Direct Debit Works SEPA Direct Debit on Dodo Payments is implemented as a method-specific orchestration flow, not a generic on/off toggle. SEPA Direct Debit lets customers across the Eurozone pay directly from their bank account instead of using a card. The customer authorizes the debit during checkout and the payment is collected from their bank account. Unlike most European bank methods, confirmation is **not immediate** -- a payment takes around **6 business days** to reach a succeeded state, so authorization should never be treated as settlement. Fulfillment logic should trigger only on a terminal success state. Core operational points: - **Display by eligibility** so SEPA Direct Debit appears only for valid country/currency corridors. - **Handle asynchronous updates** and keep order state idempotent while payment status settles over several days. - **Track method analytics** (attempt rate, success rate, abandonment, and retry outcomes) by device and market. ## Where It's Available SEPA Direct Debit is available across the **Eurozone**, supports payments in **EUR**, and has a minimum transaction amount of **EUR 0.50**. Transactions confirm in about **6 business days** rather than instantly, and the method is offered for one-time payments only (not subscriptions). Dodo Payments automatically shows SEPA Direct Debit to eligible customers based on their country, currency, and device -- no manual configuration needed. Availability controls to keep accurate: - **Country + currency gating** in checkout rendering logic, scoped to EUR billing. - **Fallback sequencing** so users still see a strong alternative if SEPA Direct Debit is unavailable. - **Clear buyer messaging** on the multi-day confirmation window to set delivery expectations. ## What SEPA Direct Debit Costs SEPA Direct Debit is priced at a flat **1.5% per transaction, capped at EUR 15**. This rate **replaces** the standard card fee rather than being added on top of it, and neither the international surcharge nor the subscription surcharge applies to it. Because the fee is capped, SEPA Direct Debit becomes progressively cheaper as ticket size grows: a EUR 100 payment costs EUR 1.50, while a EUR 5,000 payment is capped at EUR 15 instead of scaling linearly. There is no fixed per-transaction fee and no minimum fee. Pricing points worth noting: - **Capped, not linear** -- every payment above EUR 1,000 pays the same EUR 15 ceiling. - **Replaces card pricing** -- it is not stacked on the 4% + 40c card rate. - **Refunds and disputes** follow standard platform pricing ($1 per refund, $30 per dispute). A **SEPA push transfer**, where the buyer manually initiates a transfer from their own bank rather than authorizing a debit, is priced as a standard transaction and does not use this capped rate. See the [pricing page](/pricing) for the full breakdown. ## Use Cases SEPA Direct Debit should be positioned where it naturally increases buyer confidence and reduces checkout friction. It is valuable for Eurozone audiences that prefer paying directly from a bank account rather than entering card details, and it broadens coverage beyond country-specific methods like iDEAL or Bancontact. It is most effective when merchants monitor method-level performance and continuously tune ranking rather than treating payment order as static. Strong deployment patterns: - **Market-specific checkout mixes** instead of one global payment stack. - **Segment-aware presentation** (new vs returning users, mobile vs desktop, low vs high ticket). - **Delayed-fulfillment flows** that hold delivery until the payment reaches a succeeded state. ## Integration with Dodo Payments In Dodo Payments, SEPA Direct Debit appears as a dedicated payment option in hosted checkout and can be controlled through method eligibility settings. The API type string for this method is **`sepa`**, added to `allowed_payment_method_types` on a EUR checkout session. This keeps backend logic explicit and avoids ambiguous mapping when multiple wallets, cards, and bank methods are active. Implementation checklist: - **Enable `sepa`** for EUR billing in valid Eurozone regions. - **Consume webhooks** for final success, failure, and reversal states, and fulfill only on success. - **Reconcile method-level settlements** in finance reporting and refund operations. This approach makes SEPA Direct Debit a measurable growth lever instead of a static payment checkbox. ## Related Pages **Section:** [All Payment Methods](https://dodopayments.com/payment-methods) **See also:** [Germany](https://dodopayments.com/payments-in/germany) | [France](https://dodopayments.com/payments-in/france) | [Netherlands](https://dodopayments.com/payments-in/netherlands) | [EUR](https://dodopayments.com/currency/eur) --- ## About Dodo Payments Dodo Payments is the billing & payments platform for AI-first and SaaS companies, operating as a Merchant of Record in 220+ countries. - [Payments](https://dodopayments.com/payments) | [Billing](https://dodopayments.com/billing) | [Distribution](https://dodopayments.com/distribution) - [Pricing](https://dodopayments.com/pricing) | [Documentation](https://docs.dodopayments.com) | [Dashboard](https://app.dodopayments.com)