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Creating SEPA debits

You can submit a SEPA debit XML file to the bank with the sepa_debit method:

.. autoclass:: fints.client.FinTS3Client
   :members: sepa_debit
   :noindex:

You should then enter a TAN, read our chapter :ref:`tans` to find out more.

Full example

You can easily generate XML using the sepaxml python library:

from sepaxml import SepaDD

config = {
    "name": "Test Company",
    "IBAN": "DE12345",
    "BIC": "BIC12345",
    "batch": False,
    "creditor_id": "TESTCORPID",
    "currency": "EUR",
}

sepa = SepaDD(config, schema="pain.008.002.02")
sepa.add_payment({
    "name": "Customer",
    "IBAN": "DE12345",
    "BIC": "BIC12345",
    "amount": 100,
    "type": "OOFF",  # FRST, RCUR, OOFF, FNAL
    "collection_date": datetime.date.today() + datetime.timedelta(days=3),
    "mandate_id": "FINTSTEST1",
    "mandate_date": datetime.date(2018, 7, 26),
    "description": "FinTS Test transaction",
})
pain_message = sepa.export().decode()

client = FinTS3PinTanClient(...)

accounts = client.get_sepa_accounts()
account = accounts[0]

mechanisms = client.get_tan_mechanisms()
mechanism = mechanisms[client.get_current_tan_mechanism()]
if mechanism.description_required == fints.formals.DescriptionRequired.MUST:
    usage_option, media = client.get_tan_media()

    client.set_tan_medium(media[0])

with client:
    res = client.sepa_debit(
        account=accounts[0],
        data=pain_message,
        multiple=False,
        control_sum=Decimal('1.00'),
        pain_descriptor='urn:iso:std:iso:20022:tech:xsd:pain.008.002.02'
    )

    if isinstance(res, NeedTANResponse):
        print(res.challenge)

        if getattr(res, 'challenge_hhduc', None):
            try:
                terminal_flicker_unix(res.challenge_hhduc)
            except KeyboardInterrupt:
                pass

        tan = input('Please enter TAN:')
        res = client.send_tan(res, tan)

    print(res.status)
    print(res.responses)