Direct debit is popular – but error-prone without mandate management.
Offer direct debit – with clean mandate management
SEPA direct debit is a popular payment method, but without structured mandate management it quickly becomes error-prone: validate the IBAN, record mandates, approve them, assign them to the customer. The OPAL brings the payment method plus a complete mandate workflow – from creation in the customer account through the signed PDF to admin approval. The module does not perform the actual bank collection automatically – the process is mandate-based.
What the OPAL solves for you
1.SEPA direct debit as a payment method in the checkout – the customer selects one of their active mandates.
2.Customers manage their mandates themselves: create, name, download the PDF, revoke – with IBAN validation.
3.The admin stays in control: mandates start as "Awaiting approval", the admin reviews and activates.
Before / After
Mandates are collected informally by email and IBANs are checked by hand.
Structured mandates with IBAN validation, a clear status and a unique mandate reference.
A customer has several bank accounts but no way to choose the right mandate.
Multiple named mandates per customer – in the checkout the customer selects the right one.
Without an approval process there is no way to tell whether a signed mandate exists.
Approval workflow: the mandate is usable only after review and admin activation.
Part of the OPAL family
OPALs are building blocks from OXID eSales: a proven, solid foundation that needs to be adapted to your system landscape and integrated into your shop.
Features at a glance
OXID
<OPAL/>
Payment method + mandate selection in the checkout
"SEPA direct debit" is available as a payment method. In the payment step the customer chooses from their active mandates. The mandate reference and IBAN are stored with the order and shown in the admin order overview.
Mandates in the customer account
Customers create mandates themselves (title, IBAN, optional BIC, account holder), name them for recognition, download the pre-filled PDF and revoke them – multiple mandates per customer are possible.
IBAN/BIC validation & reference
IBAN validation to the SEPA standard, BIC validation optional. Each mandate automatically receives a unique, SEPA-compliant mandate reference with a configurable prefix.
Subshops & data protection
Mandates are separated per subshop. The IBAN appears masked in lists and in full only in the detail view and in the PDF. The mandate data is deleted along with the customer account.
Approval workflow in the administration area
New mandates start as "Awaiting approval". The admin reviews the signed PDF and activates the mandate – only active mandates can be selected in the checkout. Mandates can also be revoked.
Admin mandate overview
A list with search, sorting and detail view, filtered to the active subshop. If a customer revokes a mandate, an email goes to the shop operator.
Who is this OPAL for?
Shop operator / e-commerce manager
You want to offer SEPA direct debit without collecting mandates informally by email and checking IBANs by hand.
What the OPAL delivers here
The OPAL brings the payment method plus a clean mandate workflow: customers create mandates themselves, download the pre-filled PDF, you review and approve. IBANs are validated, the mandate reference and IBAN end up on the order, mandates are separated per subshop and the IBAN is masked in lists.
Frequently asked questions
Price
€25/month
OPALs are also available in subscription packages.