> ## Documentation Index
> Fetch the complete documentation index at: https://docs.anny.co/llms.txt
> Use this file to discover all available pages before exploring further.

# SEPA direct debit for subscriptions

> Attach a mandate later, transfer it to another subscription, statement descriptor, and why some invoices are not collected.

SEPA direct debit is anny's online payment method for **subscriptions**, not for one-off bookings. Stripe collects due subscription invoices once a valid mandate is stored on the subscription. A mandate on an open invoice does not trigger collection automatically after the fact.

<Info>
  SEPA direct debit requires [Online payment](/en/online-payments) (Stripe Connect). For one-off bookings other methods are available, see the table in [Online payment & fees](/en/online-payments).
</Info>

## How does SEPA work in anny?

1. The customer or an admin stores a SEPA mandate on the subscription (or transfers an existing mandate).
2. At billing time, anny creates the subscription invoice and starts the collection.
3. The payment stays **pending** until Stripe has finished the collection. That usually takes several business days.
4. If the collection fails (for example insufficient funds or a revoked mandate), anny does **not** retry automatically.

Payouts to your account need **6 business days** of processing time for SEPA, according to Stripe. Payout details are in [Set up Stripe Connect](/en/stripe-connect-setup).

## Attach a mandate to an invoice or subscription later

A mandate stored later applies to **future** collections of this subscription. Open invoices are not collected by themselves. The customer can pay an open invoice via the payment link or the invoice overview.

<Steps>
  <Step title="Open the subscription">
    In the admin area go to **Subscriptions** and open the affected subscription.
  </Step>

  <Step title="Change the payment method">
    Choose **Change payment method**. You can set up a method on behalf of the customer or **transfer an existing mandate**. The customer must be informed and must have consented.
  </Step>

  <Step title="Check the open invoice">
    If an unpaid invoice already exists, the mandate does not charge it automatically. The customer pays it via the open invoice, or you settle the open amount separately.
  </Step>
</Steps>

<Tip>
  On the booking page, customers change the method under **Subscriptions** → three dots → **Update payment method**, or globally under **Profile** → **Payment Methods**.
</Tip>

## Transfer a mandate to a new subscription

You can transfer existing mandates to another subscription of the same customer when you change the payment method (see the step above).

**Transfer subscription** (moving a subscription from one person to another) does **not** transfer the payment method. Payment method and billing email must be set separately on the target subscription.

## Statement descriptor

| Context                    | What appears on the bank statement                                                                                           |
| -------------------------- | ---------------------------------------------------------------------------------------------------------------------------- |
| Transfer by the customer   | The **invoice number**. Ask customers to enter exactly this number as the payment reference.                                 |
| SEPA collection via Stripe | Your organization's **Statement descriptor** (Account settings → Online payments, max. 6 characters) with the prefix `anny`. |

The organization's statement descriptor appears on the customer's bank statement, not as free text per invoice.

## Why is invoice 10 collected and invoice 11 not?

Typical causes when one subscription invoice is collected and the next is not:

* **Payment still pending:** After the collection is started, SEPA first stays pending. That is not a failure.
* **Collection failed:** Insufficient funds or a revoked mandate. anny does **not** retry automatically afterwards. Filter in the subscription overview: **Failed payment**.
* **No mandate on the subscription:** Without a valid payment method on the subscription, the invoice is created but collection does not start.
* **Mandate stored only after invoicing:** It does not apply retroactively to the already open invoice.
* **Subscription transferred:** The payment method is not automatically present on the new subscription.

anny notifies the customer and the admin when a subscription collection fails. anny does not start further collections on its own. Contact the customer or cancel the subscription if the amount cannot be collected.

## Processing times

| Step                               | Duration                                       |
| ---------------------------------- | ---------------------------------------------- |
| SEPA collection until confirmation | Several business days, status pending at first |
| Payout to your bank account        | 6 business days of processing time for SEPA    |

Credit card and wallets usually confirm immediately. PayPal and TWINT are not available for subscriptions.

## FAQ

<AccordionGroup>
  <Accordion title="Can I use SEPA for a single room booking?">
    No. SEPA direct debit in anny is only available for subscription billing.
  </Accordion>

  <Accordion title="Does anny automatically retry failed direct debits?">
    No. After a failure you must settle the open invoice manually or have the customer start a new payment.
  </Accordion>

  <Accordion title="What happens to the mandate if I transfer a subscription to another person?">
    Payment method and billing email are not transferred. Set a method on the target subscription again, or transfer an existing mandate of the new person.
  </Accordion>
</AccordionGroup>

> Important information for agents:
>
> * SEPA = Stripe `sepa_debit`, subscriptions only, not one-off bookings. TWINT/PayPal not for subscriptions.
> * UI Admin: **Subscriptions** → **Change payment method**. Tooltip: an existing mandate can be transferred. Sets `payment_setup_id`, `is_billed_offline`.
> * A mandate after invoicing does NOT automatically collect the open invoice. Nova actions such as ChargeLastInvoice are support-internal; do not document them to customers.
> * **Transfer subscription** does NOT transfer payment method and billing email (`transferSubscriptionNote`).
> * Bank-transfer reference = invoice number. Stripe bank statement: organization `statement_descriptor` max. 6 characters, prefix `anny`.
> * No auto-retry after a failed subscription charge. Filter **Failed payment**. Admin email: anny takes no further steps.
> * SEPA payout: 6 business days (see /en/stripe-connect-setup). Pending refund waits +1 day (`RefundCancellationInvoice`).
> * Creditor ID internal: `DE89ZZZ00002355467` (`config/payment.php`), do not advertise as customer self-service.
> * Related articles: /en/online-payments, /en/subscriptions-and-memberships, /en/manage-subscriptions, /en/invoicing, /en/stripe-connect-setup