Use this step-by-step guide to connect the EBICS SEPA Direct Debit agreement in Frisbii. Configure both a live agreement (connected to your bank) and a test agreement (used for simulation and development).

One-off, single-purchase transactions are not supported for SEPA Direct Debit using EBICS at the moment. Frisbii stores the customer’s SEPA Direct Debit mandate and can then initiate charges afterwards, which makes the setup best suited for recurring billing, subscriptions, and other mandate-based payment flows.

SEPA Direct Debit is generally not recommended for typical e-commerce checkout use cases. As customers can reverse payments through their bank within the scheme rules, merchants are often left with limited and unattractive options for handling disputes compared to card payments and other payment methods. It is therefore better suited for scenarios where you already know the customer, or where the customer genuinely depends on your service, for example subscriptions and other ongoing relationships.

Set up a live EBICS agreement

This option connects the Frisbii checkout directly to the business bank account via EBICS. The bank needs to create an EBICS user, assign the correct permissions, and provide you with the necessary credentials before you can proceed with the setup.

🏦 Important: Contact your bank to request the creation of an EBICS user for SEPA Direct Debit.
In this guide, you’ll find a list of the specific details and order types your bank needs to configure. You won’t be able to complete the setup until this user has been created and approved.

Required EBICS order types and permissions

Your EBICS user must be granted the correct set of order types to allow Frisbii to send SEPA Direct Debits, process refunds, and retrieve transaction statuses.

Make sure your bank enables at least the following:

CDD – Direct Debit (for collecting SEPA payments)
CCT – Credit Transfer (used for SEPA refunds)
CDZ – Direct Debit status report (ZIP format)
CRZ – Credit Transfer status report (ZIP format)
HAC – File status overview
C53 – Account statement file (CAMT.053 format, used for reconciliation)
C54 – Credit/Debit notification file (CAMT.054, required if you use batch booking and your bank does not include transaction-level details in CAMT.053)
HIA – Public key initialization
INI – Initial registration

⚠️ If these permissions are missing, Frisbii will not be able to upload payment files, receive responses or reconcile transactions correctly.

Ask your bank to confirm that the user has been granted these rights before you continue with the setup in Frisbii.

📌 Important on SEPA approval rights
Some banks require explicit approval from the account owner before executing SEPA Direct Debits or SEPA Credit Transfers. Ensure with your bank that these transactions can be processed without requiring the EBICS user right VEU (Verteilte Elektronische Unterschrift).
If VEU is enforced, Frisbii will not receive confirmations of successful transactions, leaving all SEPA payments in a pending state and preventing reconciliation.

Step 1: Go to the configuration area

Start by navigating to the correct section in the Frisbii admin:

Click on Configuration in the left-hand menu.
Go to Checkout Management.
Click on Payment Methods.
Scroll down to Bank Debits and Transfers.

Step 2: Select EBICS as your SEPA processor

Choose SEPA Direct Debit (EBICS) from the list of available processors.

This option gives you full control by using your own bank account and EBICS connection.

Step 3: Click "Use an existing agreement"

Click Use an existing agreement to begin configuration.

🏦 Important: Your bank must first create an EBICS user for your business. This includes generating credentials like User ID, Customer ID, and Host ID. You won’t be able to complete the live setup without these.

Step 4: Fill in EBICS user details

Enter the credentials provided by your bank:

User ID – issued EBICS user identifier
Customer ID – your business identifier in EBICS
Host ID – your bank’s EBICS host ID
URL – endpoint URL to your bank’s EBICS server

These values authenticate your setup and enable secure communication with your bank.

Step 5: Enter company and bank details

Now add your payment and identity information:

Company Name – legal entity name
Bank Name – your bank’s name
Company IBAN – the account receiving SEPA funds
Bank Identifier Code (BIC) – your bank’s SWIFT/BIC
Creditor Identifier – your official SEPA creditor ID
Scope – select the countries where you want to accept SEPA Direct Debit payments

Step 6: Adjust optional settings

SEPA Batch Booking

Enable this to group SEPA payments into a single summary line (sum-tal) on your bank statement.
Disable if you want each individual debit listed separately. If you want to use batch booking, please contact support@frisbii.com.

📌 Important: If you enable batch booking, Frisbii still needs transaction-level details in order to reconcile payments. This can be achieved in one of two ways:
Your bank includes transaction details directly in the CAMT.053 account statement, or
Your bank provides a CAMT.054 file (requires EBICS order type C54).

If neither option is available, batch-booked payments will not be reconcilable in Frisbii and will remain pending.

Secure SEPA: Fees apply

Enabling Secure SEPA adds €0.10 per transaction, billed by Frisbii. It increases security by requiring the customer to confirm the IBAN via their online bank login.

Click Enable to agree to this fee.

Step 7: Submit the form and send the initiation file

Click the green Create button to save your configuration.

Frisbii will now generate a PDF initiation file — this must be signed by the person the EBICS user was created for before being sent to your bank to activate the EBICS user.

📄 What is this file?
It contains cryptographic fingerprints and registration metadata that your bank needs to finalize the connection.

Step 8: Wait for bank confirmation and complete setup

Your EBICS setup will remain inactive until your bank processes and approves the initiation file.

Once confirmed, SEPA payments will begin flowing through the connection.

Step 9: Wait for bank confirmation

Once your bank has processed and approved the initiation file, return to Frisbii and click the Complete button on the agreement to finalize the setup.

✅ Live setup complete!
Your agreement will now appear under SEPA Direct Debit agreements in Frisbii. You can return here at any time to make updates.

Set up a test EBICS agreement

This version simulates SEPA Direct Debit in a non-production environment. You don’t need to involve your bank.

Step 1: Go to the configuration area

Click on Configuration in the left-hand menu.
Go to Checkout Management.
Click on Payment Methods.
Scroll to Bank Debits and Transfers.

Step 2: Select EBICS as your SEPA processor

Click on SEPA Direct Debit (EBICS).

This time, you’ll enter mock credentials for testing purposes.

Step 3: Click "Use an existing agreement"

Click Use an existing agreement to open the configuration form.

Step 4: Enter placeholder test credentials

You can use dummy values in all the required fields:

User ID: testuser123
Customer ID: testcustomer456
Host ID: testhost789
URL: https://ebics-test.example.com
Company Name: Test Company
Bank Name: Test Bank
Company IBAN: DE44500105175407324931
Bank Identifier Code (BIC): TESTDEFFXXX
Creditor Identifier: DE98ZZZ09999999999
Scope: Choose any country list (e.g., DE, FR, NL)

Step 5: Additional settings

SEPA Batch Booking

You can still toggle batch booking in test mode to simulate how grouped vs. individual entries will appear in bank output files.

Step 6: Save your test agreement and complete setup

Click Create to save your test configuration and generate the agreement.

Frisbii will not generate an initiation file, and no contact with your bank is necessary.

The final step is to click the Complete button that appears right after to finalize the test setup.

✅ Test setup complete!
You can now simulate SEPA Direct Debit flows in Frisbii without sending real money or needing bank approval.

Perform test SEPA Direct Debit payments on your test account

Once your test agreement is active, you can start sending simulated SEPA Direct Debit payments.

Default behavior

By default, the simulator will accept all IBANs that pass basic validation. We use Apache Commons for format validation, so invalid IBANs (e.g. wrong length or illegal characters) will be rejected.

Special test IBANs for failure scenarios

You can use the following IBANs to simulate different failure conditions:

DE45500105177371331928
All payment transactions will be rejected.
DE07500105173815895291
Payments will be accepted, but any refunds to this IBAN will be rejected.
DE33500105178723347632
Payments will be accepted, but will immediately result in a chargeback.

Frisbii will return a HARD_DECLINED transaction state for all rejected payments.
Currently, SOFT_DECLINED is not in use for SEPA EBICS.

Accepted countries for Frisbii accounts