SEPA payment operations: Credit Transfers (SCT), Instant Credit Transfers, and Direct Debits (SDD).
SEPA Credit Transfer (SCT)
Standard EU credit transfers; typically settle next business day.
Instant SCT
Real-time transfers (within seconds). Requires:
- Checking recipient bank reachability first
- 2FA / change request authorization
- Webhook
INSTANT_SEPA_CREDIT_TRANSFER_FAILEDfor failures
SEPA Direct Debit (SDD)
Pull payments from customer accounts. Requires:
- A signed mandate from the customer
- Mandate must be active before first SDD
Amounts
All amounts are in cents (smallest currency unit). EUR 10.00 = 1000.
Summary
Functions
Checks if a recipient bank is reachable for Instant SEPA.
Creates a SEPA Credit Transfer for a business account.
Creates a SEPA Direct Debit from a business account.
Creates a SEPA Direct Debit mandate for a business.
Creates an Instant SEPA Credit Transfer for a business.
Creates an Instant SEPA Credit Transfer for a person.
Creates an Instant SCT to a reference account.
Creates a SEPA Credit Transfer for a person's account.
Creates a SEPA Direct Debit from a person's account.
Creates a SEPA Direct Debit mandate for a person.
Retrieves a specific mandate.
Lists SEPA credit transfers for a business account.
Lists mandates for a business account.
Lists SEPA credit transfers for a person's account.
Lists mandates for a person's account.
Signs a mandate, activating it for SDD use.
Functions
@spec check_instant_reachability( String.t(), keyword() ) :: {:ok, map()} | {:error, Solaris.Error.t()}
Checks if a recipient bank is reachable for Instant SEPA.
Must be called before initiating an Instant SCT.
Examples
{:ok, result} = Solaris.Banking.SEPA.check_instant_reachability("DE89370400440532013000")
if result["reachable"], do: proceed_with_instant_transfer()@spec create_business_credit_transfer(String.t(), String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates a SEPA Credit Transfer for a business account.
Examples
{:ok, transfer} = Solaris.Banking.SEPA.create_business_credit_transfer(
"cbac_123",
"cacc_456",
%{
recipient_iban: "DE89370400440532013000",
recipient_name: "Vendor GmbH",
amount: 250_000,
currency: "EUR",
reference: "PO-2024-001"
}
)@spec create_business_direct_debit(String.t(), String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates a SEPA Direct Debit from a business account.
@spec create_business_mandate(String.t(), String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates a SEPA Direct Debit mandate for a business.
@spec create_instant_business_transfer(String.t(), String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates an Instant SEPA Credit Transfer for a business.
@spec create_instant_person_transfer(String.t(), String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates an Instant SEPA Credit Transfer for a person.
Requires 2FA/change request. Monitor INSTANT_SEPA_CREDIT_TRANSFER_FAILED
webhook for failures.
Examples
{:ok, transfer} = Solaris.Banking.SEPA.create_instant_person_transfer(
"cper_123",
"cacc_456",
%{
recipient_iban: "DE89370400440532013000",
recipient_name: "Max Mustermann",
amount: 5_000,
currency: "EUR",
reference: "Fast payment"
}
)@spec create_instant_reference_account_transfer(String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates an Instant SCT to a reference account.
@spec create_person_credit_transfer(String.t(), String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates a SEPA Credit Transfer for a person's account.
Triggers a change request (SCA) — returns 202 with change_request_id
if not using a trusted IBAN.
Examples
{:ok, transfer} = Solaris.Banking.SEPA.create_person_credit_transfer(
"cper_123",
"cacc_456",
%{
recipient_iban: "DE89370400440532013000",
recipient_name: "Max Mustermann",
amount: 10_000,
currency: "EUR",
reference: "Invoice #123",
end_to_end_id: "E2E-REF-123"
}
)@spec create_person_direct_debit(String.t(), String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates a SEPA Direct Debit from a person's account.
@spec create_person_mandate(String.t(), String.t(), map(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Creates a SEPA Direct Debit mandate for a person.
The mandate must be signed before the first SDD can be initiated.
Examples
{:ok, mandate} = Solaris.Banking.SEPA.create_person_mandate(
"cper_123",
"cacc_456",
%{
creditor_iban: "DE89370400440532013000",
creditor_name: "Creditor GmbH",
mandate_reference: "MREF-001",
creditor_identifier: "DE98ZZZ09999999999"
}
)@spec get_person_mandate(String.t(), String.t(), String.t(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Retrieves a specific mandate.
@spec list_business_credit_transfers(String.t(), String.t(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Lists SEPA credit transfers for a business account.
@spec list_business_mandates(String.t(), String.t(), keyword()) :: {:ok, [map()]} | {:error, Solaris.Error.t()}
Lists mandates for a business account.
@spec list_person_credit_transfers(String.t(), String.t(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Lists SEPA credit transfers for a person's account.
@spec list_person_mandates(String.t(), String.t(), keyword()) :: {:ok, [map()]} | {:error, Solaris.Error.t()}
Lists mandates for a person's account.
@spec sign_person_mandate(String.t(), String.t(), String.t(), keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}
Signs a mandate, activating it for SDD use.