SEPA Direct Debit Automation: From Mandate to Renewal
SEPA direct debit automation collects agreed recurring EUR payments from a customer’s bank account after authorization. In PayRequest, use a supported recurring product and an eligible connected provider; a one-time bank-payment link alone does not authorize future debits.
What must happen before the first renewal?
- Step 1
Connect your eligible Mollie account and activate the required payment methods. Complete the provider’s verification before inviting customers.
- Step 2
Create the recurring product with its amount, currency, interval and cancellation terms. Explain how the customer authorizes future collections.
- Step 3
Have the customer complete the supported first-payment flow. The PayRequest Mollie integration can create a €0.01 mandate-verification checkout; this is distinct from the recurring product price.
- Step 4
Check that the provider mandate is valid and the subscription is active. A customer record or opened checkout is not sufficient authorization.
A €30 monthly membership: the state checklist
Illustrative operating worksheet, not a live charge. A successful verification payment establishes authorization; do not count that verification as the €30 membership payment.
| Stage | What to verify | What to do next |
|---|---|---|
| Setup | Correct customer, price €30, monthly interval | Complete the first-payment flow |
| Mandate | Valid provider mandate and correct account | Confirm the active subscription and next date |
| Renewal | Provider payment is pending or confirmed paid | Grant or renew access according to confirmed status |
| Failure | Failure reason and current subscription status | Resolve the cause before any supported retry |
| Cancellation | Effective date and future collection schedule | Stop future collections and confirm the end date |
Handle pending payments, failures and cancellations
SEPA collection is asynchronous. Keep pending separate from paid, reconcile the provider result, and communicate a failed collection clearly. Check for an existing pending attempt before retrying so you do not collect twice. A cancelled or invalid mandate requires a valid replacement before further collection. Cancellation stops future billing according to the subscription terms; a refund is a separate action.
Choose the guide or the product
This guide explains the collection lifecycle. The SEPA Direct Debit feature page describes PayRequest’s supported product workflow. For a single customer payment without future authorization, use a payment link instead.
Plans and fees
Free is €0/month with a 2% standard platform fee per successful payment, capped at €25 per transaction. Premium is €5/month and Business €20/month, with 0% standard platform fees while active. Payment-provider fees, taxes and commission-payment exceptions are separate. Selecting a paid plan does not activate it; complete setup and checkout.
Receiving payments requires a supported, approved payment-provider account. Available methods depend on your country, provider and product.
Questions before you start
Is an iDEAL payment automatically a recurring mandate?
Only a suitable first-payment flow that obtains recurring consent can establish authorization. A normal one-time iDEAL payment is not sufficient.
Does PayRequest support every Mollie recurring method?
Provider capability and PayRequest integration are separate. This workflow describes the supported Mollie SEPA route; it does not promise automatic PayPal renewals through PayRequest.
Can I treat pending as paid?
No. Check the provider-confirmed payment status and your delivery policy before providing access.