# Enforces collection of billing address parameters for non-EEA SEPA Direct Debit payments

## What’s new

Changes address validation for SEPA Direct Debit payment methods associated with non-EEA IBANs, including UK and Swiss IBANs. You must provide [city](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-09-30.endive#create_payment_method-billing_details-address-city) and [postal_code](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-09-30.endive#create_payment_method-billing_details-address-postal_code) in addition to [line1](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-09-30.endive#create_payment_method-billing_details-address-line1) and [country](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-09-30.endive#create_payment_method-billing_details-address-country). This requirement applies when you do any of the following with a non-EEA IBAN:

- [create](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-09-30.endive) or [update](https://docs.stripe.com/api/payment_methods/update.md?api-version=2026-09-30.endive) a PaymentMethod
- [create](https://docs.stripe.com/api/payment_intents/create.md?api-version=2026-09-30.endive), [update](https://docs.stripe.com/api/payment_intents/update.md?api-version=2026-09-30.endive), or [confirm](https://docs.stripe.com/api/payment_intents/confirm.md?api-version=2026-09-30.endive#confirm_payment_intent-payment_method_data-billing_details-address-city) a PaymentIntent
- [create](https://docs.stripe.com/api/setup_intents/create.md?api-version=2026-09-30.endive) or [confirm](https://docs.stripe.com/api/setup_intents/confirm.md?api-version=2026-09-30.endive#confirm_setup_intent-payment_method_data-billing_details-address-city) a SetupIntent

This change supports the European Payments Council’s structured address requirement and affects all API versions.

## Why is this a breaking change?

Previously, requests using non-EEA IBANs succeeded with only `line1` and `country`. These requests now fail if `city` or `postal_code` is missing. Confirming a [PaymentIntent](https://docs.stripe.com/api/payment_intents/.md?api-version=2026-09-30.endive) or [SetupIntent](https://docs.stripe.com/api/setup_intents/create.md?api-version=2026-09-30.endive) with an existing [PaymentMethod](https://docs.stripe.com/api/payment_methods/.md?api-version=2026-09-30.endive) that’s missing these address parameters also fails.

## Impact

Follow the [SEPA Direct Debit integration guide](https://docs.stripe.com/payments/sepa-debit/accept-a-payment.md) to collect and provide a full billing address for payment methods associated with non-EEA IBANs.

## Upgrade

#### REST API

1. [View your current API version](https://docs.stripe.com/workbench/guides.md#view-api-versions) in Workbench.
2. If you use an SDK, upgrade to the corresponding SDK version for this API version.
   - If you don’t use an SDK, update your [API requests](https://docs.stripe.com/api-versions.md#how-versions-are-specified-in-requests) to include `Stripe-Version: 2026-09-30.endive`
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Ruby

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Ruby SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Python

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Python SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### PHP

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your PHP SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Java

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Java SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Node.js

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Node SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Go

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Go SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### .NET

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your .NET SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

## Related changes

- [Removes the payment method types parameter from Checkout Sessions](https://docs.stripe.com/changelog/endive/2026-09-30/remove-payment-method-types-checkout-sessions.md)
- [Adds support for Data Share Only for 3D Secure authentication](https://docs.stripe.com/changelog/endive/2026-09-30/data-share-only.md)
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- [Removes PayTo-specific fields from Payment Methods](https://docs.stripe.com/changelog/endive/2026-09-30/removed-payto-fields.md)
- [Removes the payment method types parameter from Payment Intents and Setup Intents](https://docs.stripe.com/changelog/endive/2026-09-30/removes-the-payment-method-types-parameter-from-payment-intents-and-setup-intents.md)
- [Returns specific decline codes for BLIK payment failures](https://docs.stripe.com/changelog/endive/2026-09-30/blik-granular-decline-codes.md)
- [Deprecates the payment request button](https://docs.stripe.com/changelog/endive/2026-09-30/deprecate-payment-request-button.md)
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- [Saves Bancontact payment details for future off-session payments in Checkout](https://docs.stripe.com/changelog/endive/2026-09-30/bancontact-off-session-payments-checkout.md)
- [Adds the Standalone 3D Secure API](https://docs.stripe.com/changelog/endive/2026-09-30/standalone-3ds.md)
- [Adds support for SeQura payments](https://docs.stripe.com/changelog/endive/2026-09-30/sequra-payments.md)
- [Adds card-present payment methods to allowed payment method types](https://docs.stripe.com/changelog/endive/2026-09-30/card-present-and-interac-present-enum-values-for-allowed-payment-method-types.md)
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- [Adds early fraud warnings and fraudulent dispute signals for Payment Evaluations](https://docs.stripe.com/changelog/endive/2026-09-30/new-radar-signals-for-payment-evaluations.md)
- [Adds the ability to report canceled payments](https://docs.stripe.com/changelog/endive/2026-09-30/reporting-canceled-payments.md)
- [Adds support for expanding the mandate on card payment method details](https://docs.stripe.com/changelog/endive/2026-09-30/expand-mandate-on-card-payments-details.md)
- [Adds the Payment Record property to the Payment Intent object](https://docs.stripe.com/changelog/endive/2026-09-30/payment-records-on-payment-intents.md)
- [Adds Link wallet details to Payment Records for card payments](https://docs.stripe.com/changelog/endive/2026-09-30/adds-link-wallet-details-to-payment-records-for-card-payments.md)
- [Adds 3D Secure versions 2.3.0 and 2.3.1 to Payment Records](https://docs.stripe.com/changelog/endive/2026-09-30/3d-secure-payment-records.md)
- [Adds support for BLIK recurring off-session payments](https://docs.stripe.com/changelog/endive/2026-09-30/blik-recurring-off-session-payments.md)
- [Adds PayPay support for one-time online payments in Japan](https://docs.stripe.com/changelog/endive/2026-09-30/paypay-payments-japan.md)
- [Exposes the network response electronic commerce indicator on card charges](https://docs.stripe.com/changelog/endive/2026-09-30/view-network-response-eci-on-card-charges.md)
- [Adds payment method type information for failed payments](https://docs.stripe.com/changelog/endive/2026-09-30/payment-method-type-payment-failures.md)
- [Adds MoMo payment method details to Payment Records](https://docs.stripe.com/changelog/endive/2026-09-30/adds-momo-payment-method-details-to-payment-records.md)