Important information

The API reference is now available here.
The deprecated API reference is available here.


Direct Debit Secured

Learn more about Direct Debit Secured and its workflow.


If you are using payment type sepa-direct-debit-secured, note that this method is now deprecated. It is currently supported but there are no further developments planned for them.

If you want to access the relevant documentation, see (Deprecated) Unzer Direct Debit Secured.


Direct Debit Secured is a part of our Buy Now, Pay Later (BNPL) offering and it’s a very convenient payment option. This payment option offers customers an easy and secure way to shop online or in-store without having to manually perform payments. For merchants the BNPL payment options drive conversion and customer satisfaction. With a strong BNPL partner like Unzer the risks for merchants are equally limited as they are for customers.

Direct Debit Secured is a payment method available in the European SEPA region and based on the EU SEPA rule book. The customer only needs their IBAN and birth date for making a payment. Unzer will debit the amount from the customer’s account and transfer it to the merchant.

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  • Ease of use: The customer has to enter only their IBAN and the birth date to start a transaction.
  • High level of security: Unzer is addressing the usual risk with SEPA Direct Debit payments. If the transaction was successful and the shipment transaction has been sent in time, you will receive the funds even if the customer doesn’t send the payment.
  • Wide acceptance: Customers are used to paying by direct debit in Germany and Austria the main markets for that payment method.
  • Supported by all banks in SEPA countries.

Payment workflow

The following diagram explains workflow for Direct Debit Secured payments.

Direct Debit Secured

Step 1: Step 1: Create a paylater-direct-debit payment type resource with the IBAN and birth date of the customer.
Step 2: Make an authorize call with the paylater-direct-debit resource, the customer resource, and the basket resource.
Step 3: After the transaction, display the result to the customer in the front end of the online shop.
Step 4: When you ship the order, make a charge call to fulfil the payment. Only after this call you’ll get the payout for your transaction. This is also the moment when we start the direct debit process from the customers bank account.
Step 5: Inform the customer about the shipment.

Integration options

Use pre-built, configurable all-in-one pages with your own mix of payment methods

Use pre-built, configurable all-in-one pages with your own mix of payment methods

Use pre-built forms and quickly integrate with minimum work on the client side

Integrate with Unzer using your own payment form