--- title: "Set up SEPA Direct Debit with EBICS in Frisbii" slug: "set-up-sepa-direct-debit-with-ebics-in-frisbii" updated: 2026-03-27T11:24:41Z published: 2026-03-27T11:24:41Z canonical: "help.frisbii.com/set-up-sepa-direct-debit-with-ebics-in-frisbii" --- > ## Documentation Index > Fetch the complete documentation index at: https://help.frisbii.com/llms.txt > Use this file to discover all available pages before exploring further. # Set up SEPA Direct Debit with EBICS in Frisbii 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. > [!NOTE] > 🏦 **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. If not enabled, Frisbii will not receive any alerts regarding unsuccessful transactions and will consequently mark the transactions as failed after a certain time if no successful transaction notifications were provided) - **CRZ** – Credit Transfer status report (ZIP format. If not enabled, Frisbii will not receive any alerts regarding unsuccessful transactions and will consequently mark the transactions as failed after a certain time if no successful transaction notifications were provided) - **HAC** – File status overview - **C53** – Account statement file (CAMT.053 format, used for reconciliation) - **HIA** – Public key initialization - **INI** – Initial registration > [!WARNING] > ⚠️ 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. > [!CAUTION] > 📌 **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. > [!NOTE] > 🏦 **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. > [!CAUTION] > 📌 **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. ![](https://cdn.document360.io/b84e1b5d-2ba6-4465-8c62-fb45a2f31314/Images/Documentation/image(735).png) --- ### 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. > [!NOTE] > 📄 **What is this file?** It contains cryptographic fingerprints and registration metadata that your bank needs to finalize the connection. ![](https://cdn.document360.io/b84e1b5d-2ba6-4465-8c62-fb45a2f31314/Images/Documentation/image(739).png) --- ### 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. ![](https://cdn.document360.io/b84e1b5d-2ba6-4465-8c62-fb45a2f31314/Images/Documentation/image(742).png) --- ## 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. > [!CAUTION] > Caution > > Never use real EBICS user details when setting up a test EBICS agreement! --- ### 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. ## Related - [Handle SEPA Direct Debit chargebacks](/sepa-direct-debit-chargebacks.md)