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SEPA Direct Debit for WooCommerce

Settle for SEPA direct debit funds in WooCommerce — validate IBAN/BIC at checkout and export your collections as a bank-ready SEPA ache.008 XML file.

SEPA Direct Debit for WooCommerce provides a SEPA Lastschrift (direct debit) fee gateway to WooCommerce. Clients pay by coming into their account proprietor, IBAN and BIC at checkout; the information is validated, saved on the order and the shopper profile, and the store proprietor can later generate a single SEPA XML file containing all open direct debits to add to their financial institution.

It makes use of the maintained digitick/sepa-xml and php-iban libraries, is totally HPOS (Excessive-Efficiency Order Storage) appropriate and works in each the basic and the block based mostly checkout.

Options

• SEPA direct debit gateway — a local WooCommerce fee technique for SEPA Lastschrift.
• IBAN & BIC validation — checksum and size validation through the php-iban library, SEPA-country checks and IBAN/BIC nation matching.
• Validated creditor information — Account Proprietor, IBAN and Creditor Identifier are required; the SEPA Creditor Identifier (Gläubiger-ID) is checked for the proper format and ISO 7064 MOD-97-10 test digits, so an invalid configuration is caught earlier than the export as an alternative of failing arduous.
• Secure mandate reference — the mandate reference is generated as soon as at checkout and saved on the order, so it stays unchanged even when the reference prefix is edited later.
• Sensible BIC dealing with — 8-character BICs are padded to 11; the BIC is non-compulsory for nationwide debits (debtor and creditor IBAN in the identical nation).
• SEPA XML export (ache.008) — generate a bank-ready ISO 20022 direct debit file for all open orders with one click on (nonce protected).
• Selectable XML format — select the ache.008 model (default ache.008.001.02, plus the EPC 2023 .08/.09 and the legacy German .003.02).
• First vs. recurring debits — mechanically makes use of FRST for the primary debit of an account and RCUR afterwards.
• HPOS prepared — all order information is learn and written via the WooCommerce order CRUD; no direct postmeta entry.
• Block checkout assist — the IBAN/BIC fields are rendered within the fashionable WooCommerce block checkout in addition to the basic checkout.
• Subscriptions assist — works with WooCommerce Subscriptions (fee information is copied to renewals).
• Buyer comfort — financial institution particulars are saved on the person account and pre-filled on the subsequent checkout, editable in My Account and the WordPress profile.
• Order record column — reveals the SEPA assortment standing / date instantly within the order record.
• Transaction log — each generated SEPA file is recorded with date, quantity and document depend.
• Protected recordsdata — generated XML recordsdata (containing financial institution information) are saved in a listing protected in opposition to direct obtain.
• Internationalised — full text-domain assist; German and English documentation included.

The way it works (briefly)

1. The shopper selects SEPA Direct Debit at checkout and enters account proprietor, IBAN and BIC.
2. The plugin validates the information and shops it on the order; the order is about to on-hold (awaiting fee).
3. The store proprietor opens WooCommerce → SEPA Create XML, opinions the open orders and creates the SEPA ache.008 XML file.
4. The proprietor uploads the XML to their financial institution; the processed orders transfer to processing and are logged as a transaction.

Necessities

• WordPress 6.9+
• WooCommerce 8.0+ (examined as much as 10.9)
• PHP 7.4+
• Store foreign money EUR
• A checking account that accepts SEPA ache.008 direct debit recordsdata and a SEPA Creditor Identifier

Changelog

4.0.1 — 2026-07-02

• Mounted the deadly “Fee should include a CreditorSchemeId” error: the creditor information (Account Proprietor, IBAN, Creditor Id) is validated earlier than an export and a transparent discover is proven as an alternative.
• Made Account Proprietor, Account IBAN and Creditor Id required, with format validation (ISO 7064 MOD-97-10 test of the SEPA Creditor Identifier, SEPA character-set / size test of the mandate reference).
• The SEPA mandate reference is now generated as soon as at checkout and saved on the order, so it stays secure if the prefix is modified later.

4.0.0 — 2026-06-30

• Full refactoring; changed the outdated hand-written generator with the maintained digitick/sepa-xml library (selectable ache.008 format).
• Switched IBAN validation to the bundled php-iban 4.x.
• Made the entire plugin appropriate with WooCommerce Excessive-Efficiency Order Storage (HPOS).
• Added a WooCommerce Blocks (block checkout) fee integration.
• Mounted a number of logical bugs (BIC padding, billing identify typo, undefined variables, deprecated calls, unsanitized enter) and guarded the generated XML recordsdata.

3.0.0 — 2023-08-24

• Solely test IBAN and BIC if the account proprietor is stuffed; fall again to the shopper identify; up to date php-iban.

2.7.0 — 2017-03-06

• Added the mandate id to the order particulars and to the order e mail.

2.6.0 — 2017-02-05

• Up to date the PHP-IBAN library; fastened a bug with empty values at checkout; PHP 7 repair.

2.5.0 — 2016-03-04

• Up to date PHP-IBAN; edit the SEPA particulars on the WordPress person profile and the WooCommerce account particulars; eliminated PEAR/Validate_Finance.

2.3.0 — 2016-01-16

• Added the PHP-IBAN library to test the IBAN (fallback when PEAR Validate_Finance is unavailable); nearer BIC test (size, BIC and IBAN nation should match).

2.1.0 — 2015-12-20

• View the financial institution particulars on the WooCommerce My Account web page; fastened the financial institution particulars within the checkout e mail; optimized the German translation.

2.0.0 — 2015-12-18

• Added assist for WooCommerce Subscriptions 2.x; view the financial institution particulars on the checkout web page and within the e mail.

1.3.0 — 2015-11-15

• Retailer BIC/IBAN/account proprietor within the person meta and pre-fill them for logged-in customers; edit them on the WordPress person profile.

1.2.1 — 2015-09-21

• Mounted the quantity show within the transaction and order lists; fastened the file identify show within the transaction record.

1.2.0 — 2015-09-06

• WooCommerce 2.4 assist; up to date XML creation; up to date translation; XML recordsdata saved within the plugin listing.

1.0.1 — 2014-06-15

• Multi-language prepared with PO recordsdata; German translation included.

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