Set up SEPA Direct Debit with EBICS in Frisbii

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  • Updated on Jul 3, 2025
  • Published on Jul 3, 2025
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Use this step-by-step guide to connect your EBICS SEPA Direct Debit agreement in Frisbii. You can configure both a live agreement (connected to your bank) and a test agreement (used for simulation and development). Each section below walks you through the process.

Set up a live EBICS agreement

This option connects your Frisbii checkout directly to your business bank account via EBICS. You’ll need your bank 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)

  • 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.

Step 1: Go to the configuration area

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

  • Click Configuration in the left-hand menu

  • Go to Checkout Management

  • Click 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.

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 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 8: 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 Configuration in the left-hand menu

  • Go to Checkout Management

  • Click 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.

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