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Accept a BECS Direct Debit payment

Learn to accept BECS Direct Debit payments in Australia.

Stripe users in Australia can use the Payment Element and a Payment Intent to initiate BECS Direct Debit payments from customers with an AU bank account.

Caution

Stripe automatically presents your customers payment method options by evaluating their currency, payment method restrictions, and other parameters. We recommend that you configure your payment methods from the Stripe Dashboard using the instructions in Accept a payment.

If you want to continue manually configuring the payment methods you present to your customers with Checkout, use this guide. Otherwise, update your integration to configure payment methods in the Dashboard.

Determine compatibility

To support BECS Direct Debit payments in Checkout, Prices for all line items must be expressed in Australian dollars (currency code aud).

Accept a payment

Note

Build an integration to accept a payment with Checkout before using this guide.

Use this guide to learn how to enable BECS Direct Debit—it shows the differences between accepting a card payment and using BECS Direct Debit.

Enable BECS Direct Debit as a payment method

When creating a new Checkout Session, you need to:

  1. Add au_becs_debit to the list of payment_method_types
  2. Make sure all your line_items use the aud currency
Stripe::Checkout::Session.create({
  mode: 'payment',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'au_becs_debit'],
  line_items: [{
    price_data: {
      currency: 'usd',
      # To accept `au_becs_debit`, all line items must have currency: aud
      currency: 'aud',
      product_data: {
        name: 'T-shirt',
      },
      unit_amount: 2000,
    },
    quantity: 1,
  }],
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Test your integration

Note

You’ll want to use the BECS Direct Debit test numbers when testing your Checkout integration with BECS Direct Debit.

There are several test numbers you can use to make sure your integration is ready for production.

BSB NumberAccount NumberDescription
000-000000123456The PaymentIntent status transitions from processing to succeeded. The mandate status remains active.
000-000900123456The PaymentIntent status transitions from processing to succeeded (with a three-minute delay). The mandate status remains active.
000-000111111113The PaymentIntent status transitions from processing to requires_payment_method with an account_closed failure code. The mandate status becomes inactive.
000-000111111116The PaymentIntent status transitions from processing to requires_payment_method with a no_account failure code. The mandate status becomes inactive.
000-000222222227The PaymentIntent status transitions from processing to requires_payment_method with a refer_to_customer failure code. The mandate status remains active.
000-000922222227The PaymentIntent status transitions from processing to requires_payment_method with a refer_to_customer failure code (with a three-minute delay). The mandate status remains active.
000-000333333335The PaymentIntent status transitions from processing to requires_payment_method with a debit_not_authorized failure code. The mandate status becomes inactive.
000-000666666660The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.
000-000343434343The PaymentIntent fails with a charge_exceeds_source_limit error due to the payment amount causing the account to exceed its weekly payment volume limit.
000-000121212121The PaymentIntent fails with a charge_exceeds_transaction_limit error due to the payment amount exceeding the account’s transaction volume limit.

Handle refunds and disputes

The refund period for BECS Direct Debit is up to 90 days after the original payment.

Customers can dispute a payment through their bank up to 7 years after the original payment and there is no appeals process.

Learn more about BECS Direct Debit disputes.

See also

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