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feat(connector): [NOVALNET] Implemented Sepa Direct Debit and Sepa Direct Debit with Payment Guarantee#9700

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likhinbopanna merged 9 commits intomainfrom
novalnet/sepa/direct/debit
Oct 16, 2025
Merged

feat(connector): [NOVALNET] Implemented Sepa Direct Debit and Sepa Direct Debit with Payment Guarantee#9700
likhinbopanna merged 9 commits intomainfrom
novalnet/sepa/direct/debit

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@bsayak03
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@bsayak03 bsayak03 commented Oct 7, 2025 •
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Type of Change

  • Bugfix
  • New feature
  • Enhancement
  • Refactoring
  • Dependency updates
  • Documentation
  • CI/CD

Description

Added Payment Method Type Sepa Guarenteed Debit under BankDebit. Implemented the same in Novalnet along with Sepa Direct Debit.

Additional Changes

  • This PR modifies the API contract
  • This PR modifies the database schema
  • This PR modifies application configuration/environment variables

Motivation and Context

Added SEPA Direct Debit Payment Method for Novalnet Connector across all flows - Payments/Refunds/Void
Supported country and currency for SEPA Direct Debit: https://developer.novalnet.com/onlinepayments/aboutguarantee#guarantee-sepa
API Ref: https://developer.novalnet.com/onlinepayments/apiparameterreference
Capture : https://developer.novalnet.com/apireference/transactioncapture
Test iBAN's: https://developer.novalnet.com/payments/ddsepa#payment-api
SEPA Direct Debit with Payment Guarentee, Info docs: https://www.novalnet.com/payment-methods/sepa-direct-debit-with-payment-guarantee/
Test creds for SEPA Direct Debit with Payment Guarentee: https://developer.novalnet.com/testing#guaranteed-payment-b2c (strict checking on dob and email, iban remains same)
SEPA Direct Debit Info Doc: https://www.novalnet.com/solutions/payment-processing/sepa-direct-debit/
Country/Currency supported by various PMs in Novalnet: https://developer.novalnet.com/payments/paymentmethod#payment-request-table
API Reference and Sample Req and Res: https://developer.novalnet.com/onlinepayments/apiparameterreference
Refund Docs: https://developer.novalnet.com/apireference/transactionrefund
SEPA Direct Debit with Payment Guarentee: https://developer.novalnet.com/onlinepayments/aboutguarantee#guarantee-sepa

Parameters Passed : https://developer.novalnet.com/asynchronousnotification/parameterspassed

How did you test it?

  1. Auto Capture Payments

cURL:

curl --location 'https://integ.hyperswitch.io/api/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: API_KEY' \
--data-raw '{
    "amount": 1000,
    "profile_id": "pro_dLMxixrav0VeECBpG4X5",
    "currency": "EUR",
    "confirm": true,
    "payment_link": false,
    "capture_method": "automatic",
    "capture_on": "2022-09-10T10:11:12Z",
    "amount_to_capture": 1000,
    "customer_id": "StripeCustomer",
    "email": "test.accepted@novalnet.de",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+1",
    "description": "Its my first payment request",
    "authentication_type": "three_ds",
    "return_url": "https://google.com",
    "payment_method": "bank_debit",
    "payment_method_type": "sepa",
    "payment_method_data": {
        "bank_debit": {
            "sepa_bank_debit": {
                "iban": "DE24300209002411761956",
                "bank_account_holder_name": "Joseph Doe"
            }
        }
    },
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "city": "Musterhausen",
            "state": "California",
            "zip": "12345",
            "country": "DE",
            "first_name": "Max",
            "last_name": "Mustermann"
        },
        "email": "test.accepted@novalnet.de",
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "shipping": {
        "address": {
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "city": "Musterhausen",
            "state": "California",
            "zip": "94122",
            "country": "DE",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "browser_info": {
        "user_agent": "Mozilla\/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit\/537.36 (KHTML, like Gecko) Chrome\/70.0.3538.110 Safari\/537.36",
        "accept_header": "text\/html,application\/xhtml+xml,application\/xml;q=0.9,image\/webp,image\/apng,\/;q=0.8",
        "language": "nl-NL",
        "color_depth": 24,
        "ip_address": "103.77.139.95",
        "screen_height": 723,
        "screen_width": 1536,
        "time_zone": 0,
        "java_enabled": true,
        "java_script_enabled": true
    },
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    }
}'

Response:

{
    "payment_id": "pay_fqFM7EXaaDxZ3AZ76Gq7",
    "merchant_id": "merchant_1759778408",
    "status": "succeeded",
    "amount": 10000,
    "net_amount": 10000,
    "shipping_cost": null,
    "amount_capturable": 0,
    "amount_received": 10000,
    "connector": "novalnet",
    "client_secret": "pay_fqFM7EXaaDxZ3AZ76Gq7_secret_xqA911aX4f96u3Uzu9ZO",
    "created": "2025-10-07T04:46:52.826Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "guest@example.com",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "automatic",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe"
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test@novalnet.de"
    },
    "order_details": null,
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": {
        "customer_id": "StripeCustomer",
        "created_at": 1759812412,
        "expires": 1759816012,
        "secret": "epk_76e577ef8d60412ca4e3c2cbaab0a64f"
    },
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248700025808741",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248700025808741",
    "payment_link": null,
    "profile_id": "pro_rWvixdpO5KZLlPeUmLCU",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_CfOq18iYe9lKxf2XX7of",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-07T05:01:52.826Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-07T04:46:53.441Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}
  1. Manual Capture Payment

Authorize cURL:

curl --location 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_uhvSzhSNBMbsft7V4REfiGxrgyN1ANlV5TOxQdBQACmBStQRhCluFop6DrRgQ19Q' \
--data-raw '{
    "amount": 10000,
    "currency": "EUR",
    "confirm": true,
    "payment_link": false,
    "capture_method": "manual",
    "capture_on": "2022-09-10T10:11:12Z",
    "amount_to_capture": 10000,
    "customer_id": "StripeCustomer",
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+1",
    "description": "Its my first payment request",
    "authentication_type": "three_ds",
    "return_url": "https://google.com",
    "payment_method": "bank_debit",
    "payment_method_type": "sepa",
    "payment_method_data": {
        "bank_debit": {
            "sepa_bank_debit": {
                "iban": "DE24300209002411761956",
                "bank_account_holder_name": "Joseph Doe"
            }
        }
    },
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "city": "Musterhausen",
            "state": "California",
            "zip": "12345",
            "country": "DE",
            "first_name": "Max",
            "last_name": "Mustermann"
        },
        "email": "test@novalnet.de",
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "shipping": {
        "address": {
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "city": "Musterhausen",
            "state": "California",
            "zip": "94122",
            "country": "DE",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "browser_info": {
        "user_agent": "Mozilla\/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit\/537.36 (KHTML, like Gecko) Chrome\/70.0.3538.110 Safari\/537.36",
        "accept_header": "text\/html,application\/xhtml+xml,application\/xml;q=0.9,image\/webp,image\/apng,\/;q=0.8",
        "language": "nl-NL",
        "color_depth": 24,
        "ip_address": "103.77.139.95",
        "screen_height": 723,
        "screen_width": 1536,
        "time_zone": 0,
        "java_enabled": true,
        "java_script_enabled": true
    },
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    }
}'

Response:

{
    "payment_id": "pay_jFyjI6BEZEepsahMD50W",
    "merchant_id": "merchant_1759778408",
    "status": "requires_capture",
    "amount": 10000,
    "net_amount": 10000,
    "shipping_cost": null,
    "amount_capturable": 10000,
    "amount_received": null,
    "connector": "novalnet",
    "client_secret": "pay_jFyjI6BEZEepsahMD50W_secret_sp5RiEaW3JQraZK0aQr4",
    "created": "2025-10-07T04:54:37.102Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "guest@example.com",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "manual",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe"
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test@novalnet.de"
    },
    "order_details": null,
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": {
        "customer_id": "StripeCustomer",
        "created_at": 1759812877,
        "expires": 1759816477,
        "secret": "epk_eccd5f20ea29426b9831ac7814bdcb7e"
    },
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248700026405797",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248700026405797",
    "payment_link": null,
    "profile_id": "pro_rWvixdpO5KZLlPeUmLCU",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_CfOq18iYe9lKxf2XX7of",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-07T05:09:37.102Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-07T04:54:38.446Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}

Partial Capture now

cURL:

curl --location 'http://localhost:8080/payments/pay_jFyjI6BEZEepsahMD50W/capture' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_uhvSzhSNBMbsft7V4REfiGxrgyN1ANlV5TOxQdBQACmBStQRhCluFop6DrRgQ19Q' \
--data '{
    "amount_to_capture": 1000,
    "statement_descriptor_name": "Joseph",
    "statement_descriptor_prefix": "joseph",
    "statement_descriptor_suffix": "JS"
}'

Response:

{
    "payment_id": "pay_jFyjI6BEZEepsahMD50W",
    "merchant_id": "merchant_1759778408",
    "status": "partially_captured",
    "amount": 10000,
    "net_amount": 10000,
    "shipping_cost": null,
    "amount_capturable": 0,
    "amount_received": 1000,
    "connector": "novalnet",
    "client_secret": "pay_jFyjI6BEZEepsahMD50W_secret_sp5RiEaW3JQraZK0aQr4",
    "created": "2025-10-07T04:54:37.102Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "guest@example.com",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "manual",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe"
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test@novalnet.de"
    },
    "order_details": null,
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": null,
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248700026405797",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248700026405797",
    "payment_link": null,
    "profile_id": "pro_rWvixdpO5KZLlPeUmLCU",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_CfOq18iYe9lKxf2XX7of",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-07T05:09:37.102Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-07T04:55:29.843Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}

Full Capture

cURL:

curl --location 'http://localhost:8080/payments/pay_75DlKzrNAM6raZJkNcX1/capture' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_uhvSzhSNBMbsft7V4REfiGxrgyN1ANlV5TOxQdBQACmBStQRhCluFop6DrRgQ19Q' \
--data '{
    "amount_to_capture": 10000,
    "statement_descriptor_name": "Joseph",
    "statement_descriptor_prefix": "joseph",
    "statement_descriptor_suffix": "JS"
}'

Response:

{
    "payment_id": "pay_75DlKzrNAM6raZJkNcX1",
    "merchant_id": "merchant_1759778408",
    "status": "succeeded",
    "amount": 10000,
    "net_amount": 10000,
    "shipping_cost": null,
    "amount_capturable": 0,
    "amount_received": 10000,
    "connector": "novalnet",
    "client_secret": "pay_75DlKzrNAM6raZJkNcX1_secret_KEzcXyjCmWJkCtiGjtku",
    "created": "2025-10-07T04:56:11.214Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "guest@example.com",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "manual",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe"
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test@novalnet.de"
    },
    "order_details": null,
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": null,
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248700026616516",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248700026616516",
    "payment_link": null,
    "profile_id": "pro_rWvixdpO5KZLlPeUmLCU",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_CfOq18iYe9lKxf2XX7of",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-07T05:11:11.214Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-07T04:56:26.777Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}
  1. Void

cURL:

curl --location 'http://localhost:8080/payments/pay_5ars1XetGrEcqXD8CHwG/cancel' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_uhvSzhSNBMbsft7V4REfiGxrgyN1ANlV5TOxQdBQACmBStQRhCluFop6DrRgQ19Q' \
--data '{
  "cancellation_reason": "requested_by_customer"
}'

Response:

{
    "payment_id": "pay_5ars1XetGrEcqXD8CHwG",
    "merchant_id": "merchant_1759778408",
    "status": "cancelled",
    "amount": 10000,
    "net_amount": 10000,
    "shipping_cost": null,
    "amount_capturable": 0,
    "amount_received": null,
    "connector": "novalnet",
    "client_secret": "pay_5ars1XetGrEcqXD8CHwG_secret_sGmz96eAnXsgBuVPiqI8",
    "created": "2025-10-07T04:56:50.236Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "guest@example.com",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "manual",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe"
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test@novalnet.de"
    },
    "order_details": null,
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": "requested_by_customer",
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": null,
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248700026714953",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248700026714953",
    "payment_link": null,
    "profile_id": "pro_rWvixdpO5KZLlPeUmLCU",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_CfOq18iYe9lKxf2XX7of",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-07T05:11:50.236Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-07T04:57:06.210Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}
  1. Refund - Create

cURL:

curl --location 'http://localhost:8080/refunds' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_uhvSzhSNBMbsft7V4REfiGxrgyN1ANlV5TOxQdBQACmBStQRhCluFop6DrRgQ19Q' \
--data '{
    "payment_id": "pay_IOVQCLZ7UEhtjzqjhP6m",
    "amount": 10000,
    "reason": "RETURN",
    "refund_type": "instant",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    }
}
'

Response:

{
    "refund_id": "ref_kfwo5p1vnE7llzpd14I5",
    "payment_id": "pay_IOVQCLZ7UEhtjzqjhP6m",
    "amount": 10000,
    "currency": "EUR",
    "status": "failed",
    "reason": "RETURN",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    },
    "error_message": null,
    "error_code": null,
    "unified_code": null,
    "unified_message": null,
    "created_at": "2025-10-07T04:58:19.680Z",
    "updated_at": "2025-10-07T04:58:21.894Z",
    "connector": "novalnet",
    "profile_id": "pro_rWvixdpO5KZLlPeUmLCU",
    "merchant_connector_id": "mca_CfOq18iYe9lKxf2XX7of",
    "split_refunds": null,
    "issuer_error_code": null,
    "issuer_error_message": null
}
  1. RSync

cURL :

curl --location 'http://localhost:8080/refunds/ref_kfwo5p1vnE7llzpd14I5?force_sync=true' \
--header 'Accept: application/json' \
--header 'api-key: dev_uhvSzhSNBMbsft7V4REfiGxrgyN1ANlV5TOxQdBQACmBStQRhCluFop6DrRgQ19Q'

Response:

{
    "refund_id": "ref_kfwo5p1vnE7llzpd14I5",
    "payment_id": "pay_IOVQCLZ7UEhtjzqjhP6m",
    "amount": 10000,
    "currency": "EUR",
    "status": "failed",
    "reason": "RETURN",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    },
    "error_message": "Transaktion deaktiviert",
    "error_code": "FAILURE",
    "unified_code": null,
    "unified_message": null,
    "created_at": "2025-10-07T04:58:19.680Z",
    "updated_at": "2025-10-07T04:58:44.130Z",
    "connector": "novalnet",
    "profile_id": "pro_rWvixdpO5KZLlPeUmLCU",
    "merchant_connector_id": "mca_CfOq18iYe9lKxf2XX7of",
    "split_refunds": null,
    "issuer_error_code": null,
    "issuer_error_message": null
}
  1. PSync

cURL:

curl --location 'http://localhost:8080/payments/pay_KCoF6bfR3L8U6j0EmDZ2?force_sync=true&expand_captures=true&expand_attempts=true' \
--header 'Accept: application/json' \
--header 'api-key: dev_uhvSzhSNBMbsft7V4REfiGxrgyN1ANlV5TOxQdBQACmBStQRhCluFop6DrRgQ19Q' \
--data ''

Response:

{
    "payment_id": "pay_KCoF6bfR3L8U6j0EmDZ2",
    "merchant_id": "merchant_1759778408",
    "status": "succeeded",
    "amount": 10000,
    "net_amount": 10000,
    "shipping_cost": null,
    "amount_capturable": 0,
    "amount_received": 10000,
    "connector": "novalnet",
    "client_secret": "pay_KCoF6bfR3L8U6j0EmDZ2_secret_Vmf60fzoA26jBk9SzeLr",
    "created": "2025-10-07T04:59:00.594Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "guest@example.com",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "attempts": [
        {
            "attempt_id": "pay_KCoF6bfR3L8U6j0EmDZ2_1",
            "status": "charged",
            "amount": 10000,
            "order_tax_amount": null,
            "currency": "EUR",
            "connector": "novalnet",
            "error_message": null,
            "payment_method": "bank_debit",
            "connector_transaction_id": "15248700026823086",
            "capture_method": "automatic",
            "authentication_type": "three_ds",
            "created_at": "2025-10-07T04:59:00.594Z",
            "modified_at": "2025-10-07T04:59:01.702Z",
            "cancellation_reason": null,
            "mandate_id": null,
            "error_code": null,
            "payment_token": null,
            "connector_metadata": null,
            "payment_experience": null,
            "payment_method_type": "sepa",
            "reference_id": "15248700026823086",
            "unified_code": null,
            "unified_message": null,
            "client_source": null,
            "client_version": null
        }
    ],
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "automatic",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe"
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test@novalnet.de"
    },
    "order_details": null,
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": null,
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248700026823086",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248700026823086",
    "payment_link": null,
    "profile_id": "pro_rWvixdpO5KZLlPeUmLCU",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_CfOq18iYe9lKxf2XX7of",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-07T05:14:00.594Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-07T04:59:01.703Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}

SEPA Direct Debit with payment guarentee

  1. Payment Auto Capture

cURL:

curl --location 'https://integ.hyperswitch.io/api/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: API_KEY' \
--data-raw '{
    "amount": 1000,
    "profile_id": "pro_dLMxixrav0VeECBpG4X5",
    "currency": "EUR",
    "confirm": true,
    "payment_link": false,
    "capture_method": "automatic",
    "capture_on": "2022-09-10T10:11:12Z",
    "amount_to_capture": 1000,
    "customer_id": "StripeCustomer",
    "email": "test.accepted@novalnet.de",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+1",
    "description": "Its my first payment request",
    "authentication_type": "three_ds",
    "return_url": "https://google.com",
    "payment_method": "bank_debit",
    "payment_method_type": "sepa_guarenteed_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa_guarenteed_bank_debit": {
                "iban": "DE24300209002411761956",       
                "bank_account_holder_name": "Joseph Doe",
                "dob": "1992-06-10"
            }
        }
    },
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "city": "Musterhausen",
            "state": "California",
            "zip": "12345",
            "country": "DE",
            "first_name": "Max",
            "last_name": "Mustermann"
        },
        "email": "test.accepted@novalnet.de",
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "shipping": {
        "address": {
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "city": "Musterhausen",
            "state": "California",
            "zip": "94122",
            "country": "DE",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "browser_info": {
        "user_agent": "Mozilla\/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit\/537.36 (KHTML, like Gecko) Chrome\/70.0.3538.110 Safari\/537.36",
        "accept_header": "text\/html,application\/xhtml+xml,application\/xml;q=0.9,image\/webp,image\/apng,\/;q=0.8",
        "language": "nl-NL",
        "color_depth": 24,
        "ip_address": "103.77.139.95",
        "screen_height": 723,
        "screen_width": 1536,
        "time_zone": 0,
        "java_enabled": true,
        "java_script_enabled": true
    },
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    }
}'

Response:

{
    "payment_id": "pay_z00IBXx8JHcrbPOqQ1YF",
    "merchant_id": "merchant_1759957726",
    "status": "succeeded",
    "amount": 1000,
    "net_amount": 1000,
    "shipping_cost": null,
    "amount_capturable": 0,
    "amount_received": 1000,
    "connector": "novalnet",
    "client_secret": "pay_z00IBXx8JHcrbPOqQ1YF_secret_fK02a28Zdizeb74x1cQa",
    "created": "2025-10-08T21:09:28.897Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "test.accepted@novalnet.de",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "automatic",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe",
                "dob": null
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test.accepted@novalnet.de"
    },
    "order_details": null,
    "email": "test.accepted@novalnet.de",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa_guaranteed_debit",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": {
        "customer_id": "StripeCustomer",
        "created_at": 1759957768,
        "expires": 1759961368,
        "secret": "epk_61efe8914d1642aba62b0e27cdf209b9"
    },
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248800076504960",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248800076504960",
    "payment_link": null,
    "profile_id": "pro_fNDnOFn7mQavUPtDAwjF",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_s3ZJRn58qwLRV8rK0uHX",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-08T21:24:28.897Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-08T21:09:30.213Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}
  1. Manual Capture

Authorize first

cURL:

curl --location 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_6UTuH7712o6h5exvfKTahghuN1ahlLft9dPwpH8KiFtOCBYAzPj5eoPrQl2WG7f2' \
--data-raw '{
    "amount": 1000,
    "currency": "EUR",
    "confirm": true,
    "payment_link": false,
    "capture_method": "manual",
    "capture_on": "2022-09-10T10:11:12Z",
    "amount_to_capture": 1000,
    "customer_id": "StripeCustomer",
    "email": "test.accepted@novalnet.de",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+1",
    "description": "Its my first payment request",
    "authentication_type": "three_ds",
    "return_url": "https://google.com",
    "payment_method": "bank_debit",
    "payment_method_type": "sepa_guaranteed_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa_guaranteed_bank_debit": {
                "iban": "DE24300209002411761956",       
                "bank_account_holder_name": "Joseph Doe",
                "dob": "1992-06-10"
            }
        }
    },
    
    
    
    
    
    
    
    
    
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "city": "Musterhausen",
            "state": "California",
            "zip": "12345",
            "country": "DE",
            "first_name": "Max",
            "last_name": "Mustermann"
        },
        "email": "test.accepted@novalnet.de",
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "shipping": {
        "address": {
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "city": "Musterhausen",
            "state": "California",
            "zip": "94122",
            "country": "DE",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "browser_info": {
        "user_agent": "Mozilla\/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit\/537.36 (KHTML, like Gecko) Chrome\/70.0.3538.110 Safari\/537.36",
        "accept_header": "text\/html,application\/xhtml+xml,application\/xml;q=0.9,image\/webp,image\/apng,\/;q=0.8",
        "language": "nl-NL",
        "color_depth": 24,
        "ip_address": "103.77.139.95",
        "screen_height": 723,
        "screen_width": 1536,
        "time_zone": 0,
        "java_enabled": true,
        "java_script_enabled": true
    },
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    }
}'

Response:

{
    "payment_id": "pay_r36SPkxKuuepAuYV0gGd",
    "merchant_id": "merchant_1759957726",
    "status": "requires_capture",
    "amount": 1000,
    "net_amount": 1000,
    "shipping_cost": null,
    "amount_capturable": 1000,
    "amount_received": null,
    "connector": "novalnet",
    "client_secret": "pay_r36SPkxKuuepAuYV0gGd_secret_iTKgxs4ga68tYmSFzY4i",
    "created": "2025-10-08T21:11:18.745Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "test.accepted@novalnet.de",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "manual",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe",
                "dob": null
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test.accepted@novalnet.de"
    },
    "order_details": null,
    "email": "test.accepted@novalnet.de",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa_guaranteed_debit",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": {
        "customer_id": "StripeCustomer",
        "created_at": 1759957878,
        "expires": 1759961478,
        "secret": "epk_ce0fe17777844060b9392125310ce300"
    },
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248800076518755",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248800076518755",
    "payment_link": null,
    "profile_id": "pro_fNDnOFn7mQavUPtDAwjF",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_s3ZJRn58qwLRV8rK0uHX",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-08T21:26:18.745Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-08T21:11:20.341Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}

Capture now

cURL:

curl --location 'http://localhost:8080/payments/pay_r36SPkxKuuepAuYV0gGd/capture' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_6UTuH7712o6h5exvfKTahghuN1ahlLft9dPwpH8KiFtOCBYAzPj5eoPrQl2WG7f2' \
--data '{
    "amount_to_capture": 1000,
    "statement_descriptor_name": "Joseph",
    "statement_descriptor_prefix": "joseph",
    "statement_descriptor_suffix": "JS"
}'

Response:

{
    "payment_id": "pay_r36SPkxKuuepAuYV0gGd",
    "merchant_id": "merchant_1759957726",
    "status": "succeeded",
    "amount": 1000,
    "net_amount": 1000,
    "shipping_cost": null,
    "amount_capturable": 0,
    "amount_received": 1000,
    "connector": "novalnet",
    "client_secret": "pay_r36SPkxKuuepAuYV0gGd_secret_iTKgxs4ga68tYmSFzY4i",
    "created": "2025-10-08T21:11:18.745Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "test.accepted@novalnet.de",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "manual",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe",
                "dob": null
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test.accepted@novalnet.de"
    },
    "order_details": null,
    "email": "test.accepted@novalnet.de",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa_guaranteed_debit",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": null,
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248800076518755",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248800076518755",
    "payment_link": null,
    "profile_id": "pro_fNDnOFn7mQavUPtDAwjF",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_s3ZJRn58qwLRV8rK0uHX",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-08T21:26:18.745Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-08T21:12:08.247Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}

Refund:

cURL:

curl --location 'http://localhost:8080/refunds' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_xd0Oi8q9BYq75E9P0hBjhJprs0K9KABoyHCGxr01faOIEkv9grfnh8BhTMIEvjGZ' \
--data '{
    "payment_id": "pay_NxglUZyXAUQHMZipSyPo",
    "amount": 1000,
    "reason": "RETURN",
    "refund_type": "instant",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    }
}
'

Response:

{
    "refund_id": "ref_2kIDZ9icQmktAyFnPIIw",
    "payment_id": "pay_NxglUZyXAUQHMZipSyPo",
    "amount": 1000,
    "currency": "EUR",
    "status": "succeeded",
    "reason": "RETURN",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    },
    "error_message": null,
    "error_code": null,
    "unified_code": null,
    "unified_message": null,
    "created_at": "2025-10-08T19:33:32.409Z",
    "updated_at": "2025-10-08T19:33:34.674Z",
    "connector": "novalnet",
    "profile_id": "pro_OXAfK2JLHyMlJQCdEV7t",
    "merchant_connector_id": "mca_1uZ1F5KLBUIxywKS2pFP",
    "split_refunds": null,
    "issuer_error_code": null,
    "issuer_error_message": null
}

Void (Authorize first and then cancel)

cURL :

curl --location 'http://localhost:8080/payments/pay_2WbLA6vYKJl6hmJR63VG/cancel' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_6UTuH7712o6h5exvfKTahghuN1ahlLft9dPwpH8KiFtOCBYAzPj5eoPrQl2WG7f2' \
--data '{
  "cancellation_reason": "requested_by_customer"
}'

Response:

{
    "payment_id": "pay_2WbLA6vYKJl6hmJR63VG",
    "merchant_id": "merchant_1759957726",
    "status": "cancelled",
    "amount": 1000,
    "net_amount": 1000,
    "shipping_cost": null,
    "amount_capturable": 0,
    "amount_received": null,
    "connector": "novalnet",
    "client_secret": "pay_2WbLA6vYKJl6hmJR63VG_secret_tk05wJSNMhbnHSC8fWfk",
    "created": "2025-10-08T21:13:05.344Z",
    "currency": "EUR",
    "customer_id": "StripeCustomer",
    "customer": {
        "id": "StripeCustomer",
        "name": "John Doe",
        "email": "test.accepted@novalnet.de",
        "phone": "999999999",
        "phone_country_code": "+1"
    },
    "description": "Its my first payment request",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "manual",
    "payment_method": "bank_debit",
    "payment_method_data": {
        "bank_debit": {
            "sepa": {
                "iban": "DE243************61956",
                "bank_account_holder_name": "Joseph Doe",
                "dob": null
            }
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "Musterstr",
            "line2": "CA",
            "line3": "CA",
            "zip": "94122",
            "state": "California",
            "first_name": "joseph",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "billing": {
        "address": {
            "city": "Musterhausen",
            "country": "DE",
            "line1": "1467",
            "line2": "CA",
            "line3": "CA",
            "zip": "12345",
            "state": "California",
            "first_name": "Max",
            "last_name": "Mustermann",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": "test.accepted@novalnet.de"
    },
    "order_details": null,
    "email": "test.accepted@novalnet.de",
    "name": "John Doe",
    "phone": "999999999",
    "return_url": "https://google.com/",
    "authentication_type": "three_ds",
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "next_action": null,
    "cancellation_reason": "requested_by_customer",
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "sepa_guaranteed_debit",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": null,
    "manual_retry_allowed": null,
    "connector_transaction_id": "15248800076612789",
    "frm_message": null,
    "metadata": {
        "udf1": "value1",
        "login_date": "2019-09-10T10:11:12Z",
        "new_customer": "true"
    },
    "connector_metadata": null,
    "feature_metadata": {
        "redirect_response": null,
        "search_tags": null,
        "apple_pay_recurring_details": null,
        "gateway_system": "direct"
    },
    "reference_id": "15248800076612789",
    "payment_link": null,
    "profile_id": "pro_fNDnOFn7mQavUPtDAwjF",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_s3ZJRn58qwLRV8rK0uHX",
    "incremental_authorization_allowed": false,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-10-08T21:28:05.344Z",
    "fingerprint": null,
    "browser_info": {
        "language": "nl-NL",
        "time_zone": 0,
        "ip_address": "103.77.139.95",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
        "color_depth": 24,
        "java_enabled": true,
        "screen_width": 1536,
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,/;q=0.8",
        "screen_height": 723,
        "java_script_enabled": true
    },
    "payment_channel": null,
    "payment_method_id": null,
    "network_transaction_id": null,
    "payment_method_status": null,
    "updated": "2025-10-08T21:13:29.186Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "request_extended_authorization": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null,
    "enable_partial_authorization": null,
    "enable_overcapture": null,
    "is_overcapture_enabled": null,
    "network_details": null,
    "is_stored_credential": null,
    "mit_category": null
}

Checklist

  • I formatted the code cargo +nightly fmt --all
  • I addressed lints thrown by cargo clippy
  • I reviewed the submitted code
  • I added unit tests for my changes where possible

@bsayak03 bsayak03 self-assigned this Oct 7, 2025
@bsayak03 bsayak03 requested review from a team as code owners October 7, 2025 04:59
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semanticdiff-com bot commented Oct 7, 2025 •
edited
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Review changes with  SemanticDiff

Changed Files
File Status
  crates/hyperswitch_connectors/src/connectors/adyen/transformers.rs  86% smaller
  crates/hyperswitch_connectors/src/connectors/zen/transformers.rs  85% smaller
  crates/hyperswitch_connectors/src/connectors/gocardless/transformers.rs  83% smaller
  crates/hyperswitch_connectors/src/connectors/square/transformers.rs  81% smaller
  crates/hyperswitch_connectors/src/connectors/wellsfargo/transformers.rs  81% smaller
  crates/hyperswitch_connectors/src/connectors/paypal/transformers.rs  80% smaller
  crates/hyperswitch_connectors/src/connectors/adyen.rs  79% smaller
  crates/hyperswitch_connectors/src/connectors/nordea/transformers.rs  77% smaller
  crates/hyperswitch_connectors/src/connectors/stripe/transformers.rs  68% smaller
  crates/hyperswitch_connectors/src/connectors/klarna.rs  34% smaller
  crates/router/src/types/transformers.rs  23% smaller
  crates/hyperswitch_connectors/src/connectors/novalnet/transformers.rs  17% smaller
  crates/hyperswitch_connectors/src/connectors/novalnet.rs  12% smaller
  crates/payment_methods/src/helpers.rs  11% smaller
  crates/api_models/src/payments.rs  2% smaller
  api-reference/v1/openapi_spec_v1.json  0% smaller
  api-reference/v2/openapi_spec_v2.json  0% smaller
  config/config.example.toml Unsupported file format
  config/deployments/integration_test.toml Unsupported file format
  config/deployments/production.toml Unsupported file format
  config/deployments/sandbox.toml Unsupported file format
  config/development.toml Unsupported file format
  config/docker_compose.toml Unsupported file format
  crates/api_models/src/payments/additional_info.rs  0% smaller
  crates/common_enums/src/enums.rs  0% smaller
  crates/common_enums/src/transformers.rs  0% smaller
  crates/connector_configs/toml/development.toml Unsupported file format
  crates/connector_configs/toml/production.toml Unsupported file format
  crates/connector_configs/toml/sandbox.toml Unsupported file format
  crates/euclid/src/frontend/dir/enums.rs  0% smaller
  crates/euclid/src/frontend/dir/lowering.rs  0% smaller
  crates/euclid/src/frontend/dir/transformers.rs  0% smaller
  crates/hyperswitch_connectors/src/connectors/calida.rs  0% smaller
  crates/hyperswitch_connectors/src/utils.rs  0% smaller
  crates/hyperswitch_domain_models/src/payment_method_data.rs  0% smaller
  crates/kgraph_utils/src/mca.rs  0% smaller
  crates/kgraph_utils/src/transformers.rs  0% smaller
  crates/router/src/connector/utils.rs  0% smaller

@bsayak03 bsayak03 requested review from a team as code owners October 8, 2025 19:41
@bsayak03 bsayak03 changed the title feat(connector): [NOVALNET] Implement Sepa Direct Debit feat(connector): [NOVALNET] Implemented Sepa Direct Debit and Sepa Direct Debit with Payment Guarentee Oct 8, 2025
@hyperswitch-bot hyperswitch-bot bot added the M-api-contract-changes Metadata: This PR involves API contract changes label Oct 8, 2025
@bsayak03 bsayak03 force-pushed the novalnet/sepa/direct/debit branch from 7d156e4 to 716d996 Compare October 8, 2025 19:56
@bsayak03 bsayak03 requested review from a team as code owners October 8, 2025 19:56
@bsayak03 bsayak03 changed the title feat(connector): [NOVALNET] Implemented Sepa Direct Debit and Sepa Direct Debit with Payment Guarentee feat(connector): [NOVALNET] Implemented Sepa Direct Debit and Sepa Direct Debit with Payment Guarantee Oct 8, 2025
@bsayak03 bsayak03 force-pushed the novalnet/sepa/direct/debit branch from bbfd038 to 3d6220b Compare October 8, 2025 21:24
@hyperswitch-bot hyperswitch-bot bot removed the M-api-contract-changes Metadata: This PR involves API contract changes label Oct 8, 2025
@bsayak03 bsayak03 removed request for a team October 8, 2025 21:24
@hyperswitch-bot hyperswitch-bot bot added the M-api-contract-changes Metadata: This PR involves API contract changes label Oct 8, 2025
@bsayak03 bsayak03 force-pushed the novalnet/sepa/direct/debit branch from a58143c to e383111 Compare October 9, 2025 08:28
dgeee13
dgeee13 reviewed Oct 14, 2025
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crates/hyperswitch_connectors/src/connectors/novalnet/transformers.rs
billing: Some(billing),
// no_nc is used to indicate if minimal customer data is passed or not
no_nc: MINIMAL_CUSTOMER_DATA_PASSED,
birth_date: Some(String::from("1992-06-10")),
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Just checking — is there a reason we're hardcoding this value here?

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@dgeee13 dgeee13 Oct 14, 2025

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are we not getting this customer data presently?

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@bsayak03 bsayak03 Oct 14, 2025

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Initially SEPA Guarenteed Debit came as a part of our merchant requirement, later that changed. But since we already had done the implementation part, we didnt remove it. Also, adding dob in api models would have been fine but SDK would also have to make relevant changes to accept dob from the customer. Since this wasnt a part of our current priorities, @kashif-m recommended to hardcode dob for now

dgeee13
dgeee13 reviewed Oct 14, 2025
View reviewed changes
crates/hyperswitch_connectors/src/connectors/calida.rs
description: "Calida is building a global payment network that combines Alipay+, Discover and EMPSA and enables seamless payments in 75 countries. With over 160 million acceptance points, payments are processed according to the highest European security and data protection standards to make Europe less dependent on international players.",
connector_type: enums::HyperswitchConnectorCategory::AlternativePaymentMethod,
integration_status: enums::ConnectorIntegrationStatus::Alpha,
integration_status: enums::ConnectorIntegrationStatus::Sandbox,
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is this change intentional?

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@bsayak03 bsayak03 Oct 14, 2025

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Yes

dgeee13
dgeee13 previously approved these changes Oct 15, 2025
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deepanshu-iiitu
deepanshu-iiitu reviewed Oct 15, 2025
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@likhinbopanna likhinbopanna added this pull request to the merge queue Oct 16, 2025
Merged via the queue into main with commit b4eceae Oct 16, 2025
21 of 25 checks passed
@likhinbopanna likhinbopanna deleted the novalnet/sepa/direct/debit branch October 16, 2025 13:10
drdholu pushed a commit to drdholu/hyperswitch that referenced this pull request Oct 30, 2025
@bsayak03 @hyperswitch-bot @drdholu
feat(connector): [NOVALNET] Implemented Sepa Direct Debit and Sepa Di…
3219e37 
…rect Debit with Payment Guarantee (juspay#9700)

Co-authored-by: Sayak Bhattacharya <sayak.b@Sayak-Bhattacharya-G092THXJ34.local>
Co-authored-by: hyperswitch-bot[bot] <148525504+hyperswitch-bot[bot]@users.noreply.github.com>
aadityaguptaa pushed a commit that referenced this pull request Nov 10, 2025
@bsayak03 @hyperswitch-bot @aadityaguptaa
feat(connector): [NOVALNET] Implemented Sepa Direct Debit and Sepa Di…
174db95 
…rect Debit with Payment Guarantee (#9700)

Co-authored-by: Sayak Bhattacharya <sayak.b@Sayak-Bhattacharya-G092THXJ34.local>
Co-authored-by: hyperswitch-bot[bot] <148525504+hyperswitch-bot[bot]@users.noreply.github.com>
@iemyashasvi iemyashasvi mentioned this pull request Jan 19, 2026
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Reviewers

@jagan-jaya jagan-jaya jagan-jaya approved these changes

@deepanshu-iiitu deepanshu-iiitu deepanshu-iiitu approved these changes

@dgeee13 dgeee13 dgeee13 approved these changes

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@bsayak03 bsayak03

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5 participants

@bsayak03 @jagan-jaya @deepanshu-iiitu @dgeee13 @likhinbopanna