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Beyond payments

Accept an Australia BECS Direct Debit payment

Learn to accept Australia BECS Direct Debit payments.

Caution

Stripe can automatically present the relevant payment methods to your customers by evaluating currency, payment method restrictions, and other parameters.

  • Follow the Accept a payment guide to build a Checkout integration that uses dynamic payment methods.
  • If you don’t want to use dynamic payment methods, follow the steps below to manually configure the payment methods in your Checkout integration.

Stripe users in Australia can use Checkout in payment mode to accept Australia BECS Direct Debit payments.

A Checkout Session represents the details of your customer’s intent to purchase. You create a Checkout Session when your customer wants to pay for something. After redirecting your customer to a Checkout Session, Stripe presents a payment form where your customer can complete their purchase. When your customer has completed a purchase, they’re redirected back to your site.

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 payments using dynamic payment methods and manually configuring payment methods.

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
Command Line
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curl https://api.stripe.com/v1/checkout/sessions \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "line_items[0][price_data][currency]"=aud \
  -d "line_items[0][price_data][product_data][name]"=T-shirt \
  -d "line_items[0][price_data][unit_amount]"=2000 \
  -d "line_items[0][quantity]"=1 \
  -d mode=payment \
  -d "payment_method_types[0]"=card \
  -d "payment_method_types[1]"=au_becs_debit \
  --data-urlencode success_url="https://example.com/success"

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
000000000123456The PaymentIntent status transitions from processing to succeeded. The mandate status remains active.
000000900123456The PaymentIntent status transitions from processing to succeeded (with a three-minute delay). The mandate status remains active.
000000111111113The PaymentIntent status transitions from processing to requires_payment_method with an account_closed failure code. The mandate status becomes inactive.
000000111111116The PaymentIntent status transitions from processing to requires_payment_method with a no_account failure code. The mandate status becomes inactive.
000000222222227The PaymentIntent status transitions from processing to requires_payment_method with a refer_to_customer failure code. The mandate status remains active.
000000922222227The 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.
000000333333335The PaymentIntent status transitions from processing to requires_payment_method with a debit_not_authorized failure code. The mandate status becomes inactive.
000000666666660The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.
000000343434343The PaymentIntent fails with a charge_exceeds_source_limit error due to the payment amount causing the account to exceed its weekly payment volume limit.
000000121212121The 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.

OptionalConfigure customer debit date

You can control the date that Stripe debits a customer’s bank account using the target date. The target date must be at least three days in the future and no more than 15 days from the current date.

The target date schedules money to leave the customer’s account on the target date.

Target dates that meet one of the following criteria delay the debit until the next available business day:

  • Target date falls on a weekend, a bank holiday, or other non-business day.
  • Target date is fewer than three business days in the future.

This parameter operates on a best-effort basis. Each customer’s bank might process debits on different dates, depending on local bank holidays or other reasons.

See also