# Save bank details during a Bancontact payment

Learn how to save your customer's IBAN bank details from a Bancontact payment.

> We recommend that you follow the [Save payment details during payment](https://docs.stripe.com/payments/save-during-payment.md) guide. If you’ve already integrated with Elements, see the [Payment Element migration guide](https://docs.stripe.com/payments/payment-element/migration.md).

See [accepting SEPA Direct Debit payments](https://docs.stripe.com/payments/sepa-debit/accept-a-payment.md) to integrate without Bancontact.

Bancontact is a popular [single use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method in Belgium where customers are required to [authenticate](https://docs.stripe.com/payments/payment-methods.md#customer-actions) their payment. *Customers* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) pay with Bancontact by redirecting from your website, authorizing the payment, then returning to your website where you get [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed.

You can use Bancontact to save your customer’s [IBAN](https://en.wikipedia.org/wiki/International_Bank_Account_Number) bank details into a [SEPA Direct Debit](https://docs.stripe.com/payments/sepa-debit.md) *PaymentMethod* (PaymentMethods represent your customer's payment instruments, used with the Payment Intents or Setup Intents APIs). You can then use the SEPA Direct Debit PaymentMethod to [accept payments](https://docs.stripe.com/payments/sepa-debit/accept-a-payment.md) or [set up a subscription](https://docs.stripe.com/billing/subscriptions/sepa-debit.md). This reduces friction for your customer as they don’t have to enter their IBAN again. You also receive their verified name and validated IBAN.

> To use Bancontact to set up SEPA Direct Debit payments, you must activate SEPA Direct Debit in the [Dashboard](https://dashboard.stripe.com/account/payments/settings). You must also comply with the [Bancontact Terms of Service](https://stripe.com/bancontact/legal) and [SEPA Direct Debit Terms of Service](https://stripe.com/sepa-direct-debit/legal).

# 直接 API

> This is a 直接 API for when payment-ui is direct-api. View the full page at https://docs.stripe.com/payments/bancontact/save-during-payment?payment-ui=direct-api.

Accepting Bancontact payments consists of creating a [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) object to track a payment, collecting payment method details and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses the PaymentIntent to track and handle all the states of the payment until the payment completes. Use the ID of the SEPA Direct Debit *PaymentMethod* (PaymentMethods represent your customer's payment instruments, used with the Payment Intents or Setup Intents APIs) collected from your initial Bancontact PaymentIntent to create future payments.

## 设置 Stripe [服务器端]

首先，您需要有一个 Stripe 账户。[立即注册](https://dashboard.stripe.com/register)。

用我们的官方库从您的应用程序访问 Stripe API：

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

## 创建一个 Customer [服务器端]

Create a *Customer* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) when they create an account with your business and associate it with your internal representation of their account. This enables you to retrieve and use their saved payment method details later.

```curl
curl -X POST https://api.stripe.com/v1/customers \
  -u "<<YOUR_SECRET_KEY>>:"
```

## 创建 PaymentIntent [服务器端]

Create a `PaymentIntent` on your server and specify the `amount` to collect, the `eur` currency, the customer ID, and *off\_session* (A payment is described as off-session if it occurs without the direct involvement of the customer, using previously-collected payment information) as an argument for [setup future usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage). If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `bancontact` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]=bancontact" \
  -d customer={{CUSTOMER_ID}} \
  -d setup_future_usage=off_session
```

### 检索客户端私钥

PaymentIntent 中包含的是一个*客户端私钥* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer))，用于在客户端安全地完成支付流程。有不同的方法可以将客户端私钥传递到客户端。

#### 单页应用

使用浏览器的 `fetch` 功能，从您的服务器上的端点获取客户端私钥。如果您的客户端是单页应用，特别是用现代的前端框架（例如 React）搭建的情况，则该方法最为合适。创建服务于客户端私钥的服务器端点：

#### Ruby

```ruby
get '/secret' do
  intent = # ... Create or retrieve the PaymentIntent
  {client_secret: intent.client_secret}.to_json
end
```

然后在客户端用 JavaScript 获取客户端私钥：

```javascript
(async () => {
  const response = await fetch('/secret');
  const {client_secret: clientSecret} = await response.json();
  // Render the form using the clientSecret
})();
```

#### 服务端呈现

从服务器将客户端私钥传递到客户端。如果在将静态内容发送到浏览器之前，您的应用程序会在服务器上生成静态内容，则此种方法最有效。

在您的结账表单中添加 [client_secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret)。在您的服务器代码中，从 PaymentIntent 检索客户端密钥：

#### Ruby

```erb
<form id="payment-form" data-secret="<%= @intent.client_secret %>">
  <button id="submit">Submit</button>
</form>
```

```ruby
get '/checkout' do
  @intent = # ... Fetch or create the PaymentIntent
  erb :checkout
end
```

## Collect payment method details and mandate acknowledgement [客户端]

Create a payment form on your client to collect the required billing details from the customer.

#### HTML + JS

​​To process SEPA Direct Debit payments, you must collect a mandate agreement from your customer. Display the following standard authorization text for your customer to implicitly sign the mandate.

Replace *Rocket Rides* with your company name.

#### de

Durch Angabe Ihrer Zahlungsinformationen und der Bestätigung der vorliegenden Zahlung ermächtigen Sie (A)  und Stripe, unseren Zahlungsdienstleister, Ihrem Kreditinstitut Anweisungen zur Belastung Ihres Kontos zu erteilen, und (B) Ihr Kreditinstitut, Ihr Konto gemäß diesen Anweisungen zu belasten. Im Rahmen Ihrer Rechte haben Sie, entsprechend den Vertragsbedingungen mit Ihrem Kreditinstitut, Anspruch auf eine Rückerstattung von Ihrem Kreditinstitut. Eine Rückerstattung muss innerhalb von 8 Wochen ab dem Tag, an dem Ihr Konto belastet wurde, geltend gemacht werden. Eine Erläuterung Ihrer Rechte können Sie von Ihrem Kreditinstitut anfordern. Sie erklären sich einverstanden, Benachrichtigungen über künftige Belastungen bis spätestens 2 Tage vor dem Buchungsdatum zu erhalten.

#### ZH

By providing your payment information and confirming this payment, you authorise (A)  and Stripe, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with those instructions. As part of your rights, you’re entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank. You agree to receive notifications for future debits up to 2 days before they occur.

#### es

Al proporcionar sus datos de pago y confirmar este pago, usted autoriza a (A)  y Stripe, nuestro proveedor de servicios de pago, a enviar instrucciones a su banco para realizar un débito en su cuenta y (B) a su banco a realizar un cargo en su cuenta de conformidad con dichas instrucciones. Como parte de sus derechos, usted tiene derecho a un reembolso de su banco conforme a los términos y condiciones del contrato con su banco. El reembolso debe reclamarse en un plazo de 8 semanas a partir de la fecha en la que se haya efectuado el cargo en su cuenta. Sus derechos se explican en un extracto que puede obtener en su banco. Usted acepta recibir notificaciones de futuros débitos hasta 2 días antes de que se produzcan.

#### fi

Antamalla maksutiedot ja vahvistamalla tämän maksun, valtuutat (A)  ja Stripen, maksupalveluntarjoajamme, lähettämään ohjeet pankille tilisi veloittamiseksi ja (B) pankkisi veloittamaan tiliäsi kyseisten ohjeiden mukaisesti. Oikeuksiesi mukaisesti olet oikeutettu maksun palautukseen pankilta, kuten heidän kanssaan tekemässäsi sopimuksessa ja sen ehdoissa on kuvattu. Maksun palautus on lunastettava 8 viikon aikana alkaen päivästä, jolloin tiliäsi veloitettiin. Oikeutesi on selitetty pankilta saatavissa olevassa lausunnossa. Hyväksyt vastaanottamaan ilmoituksia tulevista veloituksista jopa kaksi päivää ennen niiden tapahtumista.

#### fr

En fournissant vos informations de paiement et en confirmant ce paiement, vous autorisez (A)  et Stripe, notre prestataire de services de paiement et/ou PPRO, son prestataire de services local, à envoyer des instructions à votre banque pour débiter votre compte et (B) votre banque à débiter votre compte conformément à ces instructions. Vous avez, entre autres, le droit de vous faire rembourser par votre banque selon les modalités et conditions du contrat conclu avec votre banque. La demande de remboursement doit être soumise dans un délai de 8 semaines à compter de la date à laquelle votre compte a été débité. Vos droits sont expliqués dans une déclaration disponible auprès de votre banque. Vous acceptez de recevoir des notifications des débits à venir dans les 2 jours précédant leur réalisation.

#### it

Fornendo i dati di pagamento e confermando il pagamento, l’utente autorizza (A)  e Stripe, il fornitore del servizio di pagamento locale, a inviare alla sua banca le istruzioni per eseguire addebiti sul suo conto e (B) la sua banca a effettuare addebiti conformemente a tali istruzioni. L’utente, fra le altre cose, ha diritto a un rimborso dalla banca, in base a termini e condizioni dell’accordo sottoscritto con l’istituto. Il rimborso va richiesto entro otto settimane dalla data dell’addebito sul conto. I diritti dell’utente sono illustrati in una comunicazione riepilogativa che è possibile richiedere alla banca. L’utente accetta di ricevere notifiche per i futuri addebiti fino a due giorni prima che vengano effettuati.

#### nl

Door je betaalgegevens door te geven en deze betaling te bevestigen, geef je (A)  en Stripe, onze betaaldienst, toestemming om instructies naar je bank te verzenden om het bedrag van je rekening af te schrijven, en (B) geef je je bank toestemming om het bedrag van je rekening af te schrijven conform deze aanwijzingen. Als onderdeel van je rechten kom je in aanmerking voor een terugbetaling van je bank conform de voorwaarden van je overeenkomst met de bank. Je moet terugbetalingen binnen acht weken claimen vanaf de datum waarop het bedrag is afgeschreven van je rekening. Je rechten worden toegelicht in een overzicht dat je bij de bank kunt opvragen. Je gaat ermee akkoord meldingen te ontvangen voor toekomstige afschrijvingen tot twee dagen voordat deze plaatsvinden.

​​Setting up a payment method or confirming a PaymentIntent creates the accepted mandate. As the customer has implicitly signed the mandate, you must communicate these terms in your form or through email.

| 字段      | 值                                               |
| ------- | ----------------------------------------------- |
| `name`  | The full name (first and last) of the customer. |
| `email` | The customer’s email.                           |

```html
<form id="payment-form">
  <div class="form-row">
    <label for="name">
      Name
    </label>
    <input id="name" name="name" required>
  </div>

  <div class="form-row">
    <label for="email">
      Email
    </label>
    <input id="email" name="email" required>
  </div>

  <button id="submit-button">Pay with Bancontact</button>

  <!-- Display mandate acceptance text. -->
  <div id="mandate-acceptance">
    By providing your payment information and confirming this payment, you
    authorise (A) Rocket Rides and Stripe, our payment service provider, to
    send instructions to your bank to debit your account and (B) your bank to
    debit your account in accordance with those instructions. As part of your
    rights, you are entitled to a refund from your bank under the terms and
    conditions of your agreement with your bank. A refund must be claimed
    within 8 weeks starting from the date on which your account was debited.
    Your rights are explained in a statement that you can obtain from your
    bank. You agree to receive notifications for future debits up to 2 days
    before they occur.
  </div>
  <!-- Used to display form errors. -->
  <div id="error-message" role="alert"></div>
</form>
```

#### React

#### npm

从 npm 公共注册表安装 [React Stripe.js](https://www.npmjs.com/package/@stripe/react-stripe-js) 和 [Stripe.js 加载器](https://www.npmjs.com/package/@stripe/stripe-js)。

```bash
npm install --save @stripe/react-stripe-js @stripe/stripe-js
```

#### umd

对于不使用 npm 或模块的网站，我们也提供了一个 UMD 模块。

包含进 Stripe.js 脚本——它可以导出一个全局 `Stripe` 函数，也包含进 React Stripe.js 的 UMD 模块，它可以导出一个全局 `ReactStripe` 对象。为保持 PCI 合规，始终从 **js.stripe.com** 加载 Stripe.js 脚本。不要把脚本打包或自行保留副本。

```html
<!-- Stripe.js -->
<script src="https://js.stripe.com/dahlia/stripe.js"></script>

<!-- React Stripe.js development build -->
<script src="https://unpkg.com/@stripe/react-stripe-js@latest/dist/react-stripe.umd.js"></script>

<!-- When you are ready to deploy your site to production, remove the
      above development script, and include the following production build. -->
<script src="https://unpkg.com/@stripe/react-stripe-js@latest/dist/react-stripe.umd.min.js"></script>
```

> 可通过 [CodeSandbox 内的演示](https://codesandbox.io/s/react-stripe-official-q1loc?fontsize=14&hidenavigation=1&theme=dark)尝试 React Stripe.js，不需要新建项目。

### 在您的页面添加 Stripe.js 和 Elements

使用 Element 组件时，将您的结账页面包裹到某个 [Elements 提供程序](https://docs.stripe.com/sdks/stripejs-react.md#elements-provider)中。用您的公钥调用 `loadStripe`，并将返回的 `Promise` 传递到 `Elements` 提供程序。

```jsx
import React from 'react';
import ReactDOM from 'react-dom';
import {Elements} from '@stripe/react-stripe-js';
import {loadStripe} from '@stripe/stripe-js';

import CheckoutForm from './CheckoutForm';

// Make sure to call `loadStripe` outside of a component's render to avoid
// recreating the `Stripe` object on every render.
const stripePromise = loadStripe('<<YOUR_PUBLISHABLE_KEY>>');

function App() {
  return (
    <Elements stripe={stripePromise}>
      <CheckoutForm />
    </Elements>
  );
};

ReactDOM.render(<App />, document.getElementById('root'));
```

## 向 Stripe 提交付款 [客户端]

Create a payment on the client side with the [client secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) of the PaymentIntent. The client secret is different from your API keys that authenticate Stripe API requests. It should be handled carefully because it can complete the charge. Don’t log it, embed it in URLs, or expose it to anyone but the customer.

#### HTML + JS

Call [stripe.confirmBancontactPayment](https://docs.stripe.com/js/payment_intents/confirm_bancontact_payment) to redirect your customer to Bancontact’s website or app to complete the payment. Include a [return_url](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-return_url) to redirect your customer after they complete the payment. You must also provide the customer’s full name and email in `billing_details`.

```javascript
var stripe = Stripe('<<YOUR_PUBLISHABLE_KEY>>');
var accountholderName = document.getElementById('name');
var accountholderEmail = document.getElementById('email');

// Redirects away from the client
const {error} = await stripe.confirmBancontactPayment(
  '{{PAYMENT_INTENT_CLIENT_SECRET}}',
  {
    payment_method: {
      billing_details: {
        name: accountholderName.value,
        email: accountholderEmail.value,
      },
    },
    return_url: 'https://example.com/checkout/complete',
  }
);

if (error) {
  // Inform the customer that there was an error.
}
```

#### React

​​To process SEPA Direct Debit payments, you must collect a mandate agreement from your customer. Display the following standard authorization text for your customer to implicitly sign the mandate.

Replace *Rocket Rides* with your company name.

#### de

Durch Angabe Ihrer Zahlungsinformationen und der Bestätigung der vorliegenden Zahlung ermächtigen Sie (A)  und Stripe, unseren Zahlungsdienstleister, Ihrem Kreditinstitut Anweisungen zur Belastung Ihres Kontos zu erteilen, und (B) Ihr Kreditinstitut, Ihr Konto gemäß diesen Anweisungen zu belasten. Im Rahmen Ihrer Rechte haben Sie, entsprechend den Vertragsbedingungen mit Ihrem Kreditinstitut, Anspruch auf eine Rückerstattung von Ihrem Kreditinstitut. Eine Rückerstattung muss innerhalb von 8 Wochen ab dem Tag, an dem Ihr Konto belastet wurde, geltend gemacht werden. Eine Erläuterung Ihrer Rechte können Sie von Ihrem Kreditinstitut anfordern. Sie erklären sich einverstanden, Benachrichtigungen über künftige Belastungen bis spätestens 2 Tage vor dem Buchungsdatum zu erhalten.

#### ZH

By providing your payment information and confirming this payment, you authorise (A)  and Stripe, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with those instructions. As part of your rights, you’re entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank. You agree to receive notifications for future debits up to 2 days before they occur.

#### es

Al proporcionar sus datos de pago y confirmar este pago, usted autoriza a (A)  y Stripe, nuestro proveedor de servicios de pago, a enviar instrucciones a su banco para realizar un débito en su cuenta y (B) a su banco a realizar un cargo en su cuenta de conformidad con dichas instrucciones. Como parte de sus derechos, usted tiene derecho a un reembolso de su banco conforme a los términos y condiciones del contrato con su banco. El reembolso debe reclamarse en un plazo de 8 semanas a partir de la fecha en la que se haya efectuado el cargo en su cuenta. Sus derechos se explican en un extracto que puede obtener en su banco. Usted acepta recibir notificaciones de futuros débitos hasta 2 días antes de que se produzcan.

#### fi

Antamalla maksutiedot ja vahvistamalla tämän maksun, valtuutat (A)  ja Stripen, maksupalveluntarjoajamme, lähettämään ohjeet pankille tilisi veloittamiseksi ja (B) pankkisi veloittamaan tiliäsi kyseisten ohjeiden mukaisesti. Oikeuksiesi mukaisesti olet oikeutettu maksun palautukseen pankilta, kuten heidän kanssaan tekemässäsi sopimuksessa ja sen ehdoissa on kuvattu. Maksun palautus on lunastettava 8 viikon aikana alkaen päivästä, jolloin tiliäsi veloitettiin. Oikeutesi on selitetty pankilta saatavissa olevassa lausunnossa. Hyväksyt vastaanottamaan ilmoituksia tulevista veloituksista jopa kaksi päivää ennen niiden tapahtumista.

#### fr

En fournissant vos informations de paiement et en confirmant ce paiement, vous autorisez (A)  et Stripe, notre prestataire de services de paiement et/ou PPRO, son prestataire de services local, à envoyer des instructions à votre banque pour débiter votre compte et (B) votre banque à débiter votre compte conformément à ces instructions. Vous avez, entre autres, le droit de vous faire rembourser par votre banque selon les modalités et conditions du contrat conclu avec votre banque. La demande de remboursement doit être soumise dans un délai de 8 semaines à compter de la date à laquelle votre compte a été débité. Vos droits sont expliqués dans une déclaration disponible auprès de votre banque. Vous acceptez de recevoir des notifications des débits à venir dans les 2 jours précédant leur réalisation.

#### it

Fornendo i dati di pagamento e confermando il pagamento, l’utente autorizza (A)  e Stripe, il fornitore del servizio di pagamento locale, a inviare alla sua banca le istruzioni per eseguire addebiti sul suo conto e (B) la sua banca a effettuare addebiti conformemente a tali istruzioni. L’utente, fra le altre cose, ha diritto a un rimborso dalla banca, in base a termini e condizioni dell’accordo sottoscritto con l’istituto. Il rimborso va richiesto entro otto settimane dalla data dell’addebito sul conto. I diritti dell’utente sono illustrati in una comunicazione riepilogativa che è possibile richiedere alla banca. L’utente accetta di ricevere notifiche per i futuri addebiti fino a due giorni prima che vengano effettuati.

#### nl

Door je betaalgegevens door te geven en deze betaling te bevestigen, geef je (A)  en Stripe, onze betaaldienst, toestemming om instructies naar je bank te verzenden om het bedrag van je rekening af te schrijven, en (B) geef je je bank toestemming om het bedrag van je rekening af te schrijven conform deze aanwijzingen. Als onderdeel van je rechten kom je in aanmerking voor een terugbetaling van je bank conform de voorwaarden van je overeenkomst met de bank. Je moet terugbetalingen binnen acht weken claimen vanaf de datum waarop het bedrag is afgeschreven van je rekening. Je rechten worden toegelicht in een overzicht dat je bij de bank kunt opvragen. Je gaat ermee akkoord meldingen te ontvangen voor toekomstige afschrijvingen tot twee dagen voordat deze plaatsvinden.

​​Setting up a payment method or confirming a PaymentIntent creates the accepted mandate. As the customer has implicitly signed the mandate, you must communicate these terms in your form or through email.

Use [stripe.confirmBancontactPayment](https://docs.stripe.com/js/payment_intents/confirm_bancontact_payment) to handle the redirect away from your page and to complete the payment. Add a [return_url](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-return_url) to this function to indicate where Stripe should redirect the user after they complete the payment on their bank’s website or mobile application.

To call `stripe.confirmBancontactPayment` from your payment form component, use the [useStripe](https://docs.stripe.com/sdks/stripejs-react.md#usestripe-hook) and [useElements](https://docs.stripe.com/sdks/stripejs-react.md#useelements-hook) hooks.

If you prefer traditional class components over hooks, you can instead use an [ElementsConsumer](https://docs.stripe.com/sdks/stripejs-react.md#elements-consumer).

#### Hooks

```jsx
import React from 'react';
import {useStripe, useElements} from '@stripe/react-stripe-js';

export default function CheckoutForm() {
  const stripe = useStripe();
  const elements = useElements();

  const handleSubmit = async (event) => {
    // We don't want to let default form submission happen here,
    // which would refresh the page.
    event.preventDefault();

    if (!stripe || !elements) {
      // Stripe.js hasn't yet loaded.
      // Make sure to disable form submission until Stripe.js has loaded.
      return;
    }

    // For brevity, this example is using uncontrolled components for
    // the accountholder's name. In a real world app you will
    // probably want to use controlled components.
    // https://reactjs.org/docs/uncontrolled-components.html
    // https://reactjs.org/docs/forms.html#controlled-components

    const accountholderName = event.target['accountholder-name'];
    const accountholderEmail = event.target['accountholder-email'];

    const {error} = await stripe.confirmBancontactPayment('{CLIENT_SECRET}', {
      payment_method: {
        billing_details: {
          name: accountholderName.value,
          email: accountholderEmail.value,
        },
      },
      return_url: 'https://example.com/checkout/complete',
    });

    if (error) {
      // Show error to your customer.
      console.log(error.message);
    }

    // Otherwise the customer will be redirected away from your
    // page to complete the payment with their bank.
  };

  return (
    <form onSubmit={handleSubmit}>
      <div className="form-row">
        <label>
          Name
          <input name="accountholder-name" placeholder="Jenny Rosen" required />
        </label>
      </div>
      <div className="form-row">
        <label>
          Email
          <input name="accountholder-email" placeholder="jenny.rosen@example.com" required />
        </label>
      </div>
      <button type="submit" disabled={!stripe}>
        Submit Payment
      </button>
      {/* Display mandate acceptance text */}
      By providing your payment information and confirming this payment, you
      authorise (A) Rocket Rides and Stripe, our payment service provider, to
      send instructions to your bank to debit your account and (B) your bank to
      debit your account in accordance with those instructions. As part of your
      rights, you are entitled to a refund from your bank under the terms and
      conditions of your agreement with your bank. A refund must be claimed
      within 8 weeks starting from the date on which your account was debited.
      Your rights are explained in a statement that you can obtain from your
      bank. You agree to receive notifications for future debits up to 2 days
      before they occur.
    </form>
  );
}
```

#### Class Components

```jsx
import React from 'react';
import {ElementsConsumer} from '@stripe/react-stripe-js';

class CheckoutForm extends React.Component {
  handleSubmit = async (event) => {
    // We don't want to let default form submission happen here,
    // which would refresh the page.
    event.preventDefault();

    const {stripe, elements} = this.props

    if (!stripe || !elements) {
      // Stripe.js hasn't yet loaded.
      // Make  sure to disable form submission until Stripe.js has loaded.
      return;
    }

    // For brevity, this example is using uncontrolled components for
    // the accountholder's name. In a real world app you will
    // probably want to use controlled components.
    // https://reactjs.org/docs/uncontrolled-components.html
    // https://reactjs.org/docs/forms.html#controlled-components

    const accountholderName = event.target['accountholder-name'];
    const accountholderEmail = event.target['accountholder-email'];

    const {error} = await stripe.confirmBancontactPayment('{CLIENT_SECRET}', {
      payment_method: {
        billing_details: {
          name: accountholderName.value,
          email: accountholderEmail.value,
        },
      },
      return_url: 'https://example.com/checkout/complete',
    });

    if (error) {
      // Show error to your customer.
      console.log(error.message);
    }

    // Otherwise the customer will be redirected away from your
    // page to complete the payment with their bank.
  };

  render() {
    const {stripe} = this.props;

    return (
      <form onSubmit={this.handleSubmit}>
        <div className="form-row">
          <label>
            Name
            <input
              name="accountholder-name"
              placeholder="Jenny Rosen"
              required
            />
          </label>
        </div>
        <div className="form-row">
          <label>
            Email
            <input
              name="accountholder-email"
              placeholder="jenny.rosen@example.com"
              required
            />
          </label>
        </div>
        <button type="submit" disabled={!stripe}>
          Submit Payment
        </button>
      {/* Display mandate acceptance text */}
      By providing your payment information and confirming this payment, you
      authorise (A) Rocket Rides and Stripe, our payment service provider, to
      send instructions to your bank to debit your account and (B) your bank to
      debit your account in accordance with those instructions. As part of your
      rights, you are entitled to a refund from your bank under the terms and
      conditions of your agreement with your bank. A refund must be claimed
      within 8 weeks starting from the date on which your account was debited.
      Your rights are explained in a statement that you can obtain from your
      bank. You agree to receive notifications for future debits up to 2 days
      before they occur.
      </form>
    );
  }
}

export default function InjectedCheckoutForm() {
  return (
    <ElementsConsumer>
      {({stripe, elements}) => (
        <CheckoutForm  stripe={stripe} elements={elements} />
      )}
    </ElementsConsumer>
  );
}
```

When your customer submits a payment, Stripe redirects them to the `return_url` and includes the following URL query parameters. The return page can use them to get the status of the PaymentIntent so it can display the payment status to the customer.

When you specify the `return_url`, you can also append your own query parameters for use on the return page.

| Parameter                      | Description                                                                                                                                                                                                                                                                                                                                                |
| ------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `payment_intent`               | The unique identifier for the `PaymentIntent`.                                                                                                                                                                                                                                                                                                             |
| `payment_intent_client_secret` | The [client secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) of the `PaymentIntent` object. For subscription integrations, this client_secret is also exposed on the `Invoice` object through [`confirmation_secret`](https://docs.stripe.com/api/invoices/object.md#invoice_object-confirmation_secret) |

When the customer is redirected back to your site, you can use the `payment_intent_client_secret` to query for the PaymentIntent and display the transaction status to your customer.

## Charge the SEPA Direct Debit PaymentMethod later

When you need to charge your customer again, create a new PaymentIntent. Find the ID of the SEPA Direct Debit payment method by [retrieving](https://docs.stripe.com/api/payment_intents/retrieve.md) the previous PaymentIntent and [expanding](https://docs.stripe.com/api/expanding_objects.md) the `latest_charge` field where you’ll find the `generated_sepa_debit` ID inside of `payment_method_details`.

```curl
curl -G https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}} \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "expand[]=latest_charge"
```

The SEPA Direct Debit payment method ID is the `generated_sepa_debit` ID under [payment_method_details](https://docs.stripe.com/api/charges/object.md#charge_object-payment_method_details-ideal) in the response.

#### Json

```json
{
  "latest_charge": {"payment_method_details": {
      "bancontact": {
        "bank_code": "VAPE",
        "bank_name": "VAN DE PUT & CO",
        "bics": "VAPEBE22",
        "iban_last4": "7061",
        "generated_sepa_debit": "pm_1GrddXGf98efjktuBIi3ag7aJQ",
        "preferred_language": "en",
        "verified_name": "Jenny Rosen"
      },
      "type": "bancontact"
    },
  },
  "payment_method_options": {
    "bancontact": {}
  },
  "payment_method_types": [
    "bancontact"
  ],
  "id": "pi_1G1sgdKi6xqXeNtkldRRE6HT",
  "object": "payment_intent",
  "amount": 1099,
  "client_secret": "pi_1G1sgdKi6xqXeNtkldRRE6HT_secret_h9B56ObhTN72fQiBAuzcVPb2E",
  "confirmation_method": "automatic",
  "created": 1579259303,
  "currency": "eur",
  "customer": "cus_f0Us034jfkXcl0CJQ",
  "livemode": true,
  "next_action": null
}
```

Create a `PaymentIntent` with the SEPA Direct Debit ID and the customer’s ID.

#### Accounts v2

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d amount=1099 \
  -d currency=eur \
  -d "customer_account={{CUSTOMERACCOUNT_ID}}" \
  -d payment_method={{SEPA_DEBIT_PAYMENT_METHOD_ID}} \
  -d confirm=true
```

#### Customers v1

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d amount=1099 \
  -d currency=eur \
  -d "customer={{CUSTOMER_ID}}" \
  -d payment_method={{SEPA_DEBIT_PAYMENT_METHOD_ID}} \
  -d confirm=true
```

## 测试您的集成

#### 邮箱

将 `payment_method.billing_details.email` 设置为以下值之一，以测试 `PaymentIntent` 的状态转换。您可以在电子邮箱地址开头添加自定义文本，后面跟一个下划线。例如，使用 `test_1_generatedSepaDebitIntentsFail@example.com` 将会生成一个在用于 `PaymentIntent` 时始终失败的 SEPA 直接借记 PaymentMethod。

| 邮件地址                                                               | 描述                                                                                             |
| ------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------- |
| `generatedSepaDebitIntentsSucceed@example.com`                     | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                             |
| `generatedSepaDebitIntentsSucceedDelayed@example.com`              | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                      |
| `generatedSepaDebitIntentsFail@example.com`                        | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                               |
| `generatedSepaDebitIntentsFailDelayed@example.com`                 | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                        |
| `generatedSepaDebitIntentsSucceedDisputed@example.com`             | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`，但会立即产生争议。                                    |
| `generatedSepaDebitIntentsFailsDueToInsufficientFunds@example.com` | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`，并带有 `insufficient_funds` 失败代码。 |

#### PaymentMethod

使用这些 PaymentMethod 来测试 `PaymentIntent` 的状态转换。这些令牌对于自动化测试非常有用，可立即在服务器上将 PaymentMethod 附加到PaymentIntent。

| 支付方式                                                                 | 描述                                                                                             |
| -------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- |
| `pm_bancontact_generatedSepaDebitIntentsSucceed`                     | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                             |
| `pm_bancontact_generatedSepaDebitIntentsSucceedDelayed`              | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                      |
| `pm_bancontact_generatedSepaDebitIntentsFail`                        | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                               |
| `pm_bancontact_generatedSepaDebitIntentsFailDelayed`                 | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                        |
| `pm_bancontact_generatedSepaDebitIntentsSucceedDisputed`             | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`，但会立即产生争议。                                    |
| `pm_bancontact_generatedSepaDebitIntentsFailsDueToInsufficientFunds` | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`，并带有 `insufficient_funds` 失败代码。 |

## Optional: 处理付款后事件

付款完成时，Stripe 会发送一个 [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) 事件。使用管理平台、自定义 *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) 或一个合作伙伴方案来接收这些事件并运行操作，例如，向客户发送订单确认邮件、在数据库中记录订单，或启动配送流程。

侦听这些事件，而不是等待客户端的回调。在客户端上，客户可以在执行回调之前关闭浏览器窗口或退出应用程序，而且恶意客户端可以操纵响应。将集成设置为侦听异步事件还有助于您在未来接受更多支付方式。了解[所有受支持的支付方式之间的差异](https://stripe.com/payments/payment-methods-guide)。

### 接收事件并启动公司操作

在接收和处理公司操作方面有几个选项。

#### 手动

用 Stripe 管理平台查看您的所有 Stripe 付款，发送邮件收据，处理提现或重试失败的付款。

- [在管理平台内查看测试付款](https://dashboard.stripe.com/test/payments)

#### 自定义代码

构建一个 Webhook 处理程序，侦听事件并构建自定义同步付款流程。用 Stripe CLI 在本地测试并调试您的 Webhook 集成。

- [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook)

#### 预构建应用

通过集成合作伙伴应用程序处理常见业务事件，例如[自动化](https://stripe.partners/?f_category=automation)或[营销和销售](https://stripe.partners/?f_category=marketing-and-sales)。

## Optional: Handle the Bancontact redirect manually

We recommend relying on Stripe.js to handle Bancontact redirects and payments client-side with `confirmBancontactPayment`. Using Stripe.js helps extend your integration to other payment methods. However, you can also manually redirect your customers on your server by following these steps:

1. Create and *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) a PaymentIntent of type `bancontact`. You must provide the `payment_method_data.billing_details.name` property, which you should collect from your customer. Note that, by specifying `payment_method_data`, a PaymentMethod is created and immediately used with this PaymentIntent.

   You must also provide the URL where your customer is redirected to after they complete their payment in the `return_url` field. You can optionally provide your own query parameters in this URL. These parameters will be included in the final URL upon completing the redirect flow.

#### Ruby

```ruby

# Don't put any keys in code. See https://docs.stripe.com/keys-best-practices.
# Find your keys at https://dashboard.stripe.com/apikeys.
client = Stripe::StripeClient.new('<<YOUR_SECRET_KEY>>')

payment_intent = client.v1.payment_intents.create({
  confirm: true,
  amount: 1099,
  currency: 'eur',
  payment_method_types: ['bancontact'],
  payment_method_data: {
    type: 'bancontact',
    billing_details: {
      name: 'Jenny Rosen',
    },
  },
  return_url: 'https://example.com/checkout/complete',
})
```

1. Check that the `PaymentIntent` has a status of `requires_action` and the type for `next_action` is `redirect_to_url`.

#### Json

```json
{"status": "requires_action",
  "next_action": {
    "type": "redirect_to_url",
    "redirect_to_url": {
      "url": "https://hooks.stripe.com/...",
      "return_url": "https://example.com/checkout/complete"
    }
  },
  "id": "pi_1G1sgdKi6xqXeNtkldRRE6HT",
  "object": "payment_intent",
  ...
}
```

1. Redirect the customer to the URL provided in the `next_action.redirect_to_url.url` property. This code example is approximate—the redirect method might be different in your web framework.

#### Ruby

```ruby
if payment_intent.status == 'requires_action' && payment_intent.next_action.type == 'redirect_to_url'
  url = payment_intent.next_action.redirect_to_url.url
  redirect(url)
end
```

Your customer is redirected to the `return_url` when they complete the payment process. The `payment_intent` and `payment_intent_client_secret` URL query parameters are included along with any of your own query parameters. Stripe recommends setting up a [webhook endpoint](https://docs.stripe.com/payments/payment-intents/verifying-status.md#webhooks) to programmatically confirm the status of a payment.


# iOS

> This is a iOS for when payment-ui is mobile and platform is ios. View the full page at https://docs.stripe.com/payments/bancontact/save-during-payment?payment-ui=mobile&platform=ios.

Accepting Bancontact payments consists of creating a [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) object to track a payment, collecting payment method details and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses the PaymentIntent to track and handle all the states of the payment until the payment completes. Use the ID of the SEPA Direct Debit *PaymentMethod* (PaymentMethods represent your customer's payment instruments, used with the Payment Intents or Setup Intents APIs) collected from your initial Bancontact PaymentIntent to create future payments.

## 设置 Stripe [服务器端] [客户端]

首先，您需要有 Stripe 账户。[立即注册](https://dashboard.stripe.com/register)。

### 服务器端

该集成要求您的服务器上的端点与 Stripe API 通讯。请用官方库从您的服务器访问 Stripe API：

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

### 客户端

[Stripe iOS SDK](https://github.com/stripe/stripe-ios) 是开源的，[有完整的文档](https://stripe.dev/stripe-ios/index.html)，并且与支持 iOS 13 或更高版本操作系统的应用程序兼容。

#### Swift Package Manager

要安装 SDK，按这些步骤进行：

1. 在 Xcode 中，选择**文件** > **添加工具包依赖…**并输入 `https://github.com/stripe/stripe-ios-spm` 作为仓库 URL。
1. 从我们的[发布页面](https://github.com/stripe/stripe-ios/releases)选择最新的版本号。
1. 将 **StripePaymentsUI** 产品添加到[您的目标应用程序](https://developer.apple.com/documentation/swift_packages/adding_package_dependencies_to_your_app)。

#### CocoaPods

1. 如果您还没有[CocoaPods](https://guides.cocoapods.org/using/getting-started.html)，请安装其最新版本。
1. 如果您目前没有 [Podfile](https://guides.cocoapods.org/syntax/podfile.html)，请运行以下命令创建一个：
   ```bash
   pod init
   ```
1. 将这一行代码添加到您的 `Podfile`：
   ```podfile
   pod 'StripePaymentsUI'
   ```
1. 运行以下命令：
   ```bash
   pod install
   ```
1. 今后，一定记得用 `.xcworkspace` 文件来打开您在 Xcode 中的项目，不要使用 `.xcodeproj` 文件。
1. 将来，要更新到 SDK 的最新版本，运行：
   ```bash
   pod update StripePaymentsUI
   ```

#### Carthage

1. 如果您还没有[Carthage](https://github.com/Carthage/Carthage#installing-carthage)，请安装其最新版本。
1. 将这一行代码添加到您的 `Cartfile`。
   ```cartfile
   github "stripe/stripe-ios"
   ```
1. 按照 [Carthage 安装说明](https://github.com/Carthage/Carthage#if-youre-building-for-ios-tvos-or-watchos)进行。确保嵌入[这里](https://github.com/stripe/stripe-ios/tree/master/StripePaymentsUI/README.md#manual-linking)所列的所有必要框架。
1. 将来，要更新到 SDK 的最新版本，运行以下命令即可：
   ```bash
   carthage update stripe-ios --platform ios
   ```

#### 手动框架

1. 前往我们的 [GitHub 发布页面](https://github.com/stripe/stripe-ios/releases/latest)，下载并解压缩 **Stripe.xcframework.zip**。
1. 将 **StripePaymentsUI.xcframework** 拖拽到您的 Xcode 项目中 **General**（常规）设置的 **Embedded Binaries**（嵌入式二进制文件）部分。一定要选择 **Copy items if needed**（需要时复制项目）。
1. 为[这里](https://github.com/stripe/stripe-ios/tree/master/StripePaymentsUI/README.md#manual-linking)所列的所有必要框架重复第 2 步。
1. 将来，要更新到 SDK 的最新版本，重复第 1-3 步。

> 有关最新 SDK 发布及过往版本的详细信息，请查看 GitHub 上的[发布](https://github.com/stripe/stripe-ios/releases)页面。要想在新版本发布时接收通知，请[查看仓库的发布](https://help.github.com/en/articles/watching-and-unwatching-releases-for-a-repository#watching-releases-for-a-repository)。

在应用程序启动时使用您的 Stripe [公钥](https://dashboard.stripe.com/test/apikeys) 配置 SDK。这样可使您的应用程序向 Stripe API 发出请求。

#### Swift

```swift
import UIKitimportStripePaymentsUI

@main
class AppDelegate: UIResponder, UIApplicationDelegate {

    func application(_ application: UIApplication, didFinishLaunchingWithOptions launchOptions: [UIApplication.LaunchOptionsKey: Any]?) -> Bool {StripeAPI.defaultPublishableKey = "<<YOUR_PUBLISHABLE_KEY>>"
        // do any other necessary launch configuration
        return true
    }
}
```

> 测试时使用您的[测试密钥](https://docs.stripe.com/keys.md#obtain-api-keys)，发布应用时使用[真实模式](https://docs.stripe.com/keys.md#test-live-modes)密钥。

## 创建一个 Customer [服务器端]

Create a *Customer* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) when they create an account with your business and associate it with your internal representation of their account. This enables you to retrieve and use their saved payment method details later.

```curl
curl -X POST https://api.stripe.com/v1/customers \
  -u "<<YOUR_SECRET_KEY>>:"
```

## 创建 PaymentIntent [服务器端]

Create a `PaymentIntent` on your server and specify the `amount` to collect, the `eur` currency, the customer ID, and *off\_session* (A payment is described as off-session if it occurs without the direct involvement of the customer, using previously-collected payment information) as an argument for [setup future usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage). If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `bancontact` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]=bancontact" \
  -d customer={{CUSTOMER_ID}} \
  -d setup_future_usage=off_session
```

## Collect payment method details and mandate acknowledgement [客户端]

In your app, collect your customer’s full name and email address. Create an [STPPaymentMethodParams](https://stripe.dev/stripe-ios/stripe-payments/Classes/STPPaymentMethodParams.html) object with these details.

#### Swift

```swift
let bancontactParams = STPPaymentMethodBancontactParams()

let billingDetails = STPPaymentMethodBillingDetails()
billingDetails.name = "Jane Doe"
billingDetails.email = "jane.doe@example.com"

let paymentMethodParams = STPPaymentMethodParams(bancontact: bancontactParams,
                                                 billingDetails: billingDetails,
                                                 metadata: nil)
```

​​To process SEPA Direct Debit payments, you must collect a mandate agreement from your customer. Display the following standard authorization text for your customer to implicitly sign the mandate.

Replace *Rocket Rides* with your company name.

#### de

Durch Angabe Ihrer Zahlungsinformationen und der Bestätigung der vorliegenden Zahlung ermächtigen Sie (A)  und Stripe, unseren Zahlungsdienstleister, Ihrem Kreditinstitut Anweisungen zur Belastung Ihres Kontos zu erteilen, und (B) Ihr Kreditinstitut, Ihr Konto gemäß diesen Anweisungen zu belasten. Im Rahmen Ihrer Rechte haben Sie, entsprechend den Vertragsbedingungen mit Ihrem Kreditinstitut, Anspruch auf eine Rückerstattung von Ihrem Kreditinstitut. Eine Rückerstattung muss innerhalb von 8 Wochen ab dem Tag, an dem Ihr Konto belastet wurde, geltend gemacht werden. Eine Erläuterung Ihrer Rechte können Sie von Ihrem Kreditinstitut anfordern. Sie erklären sich einverstanden, Benachrichtigungen über künftige Belastungen bis spätestens 2 Tage vor dem Buchungsdatum zu erhalten.

#### ZH

By providing your payment information and confirming this payment, you authorise (A)  and Stripe, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with those instructions. As part of your rights, you’re entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank. You agree to receive notifications for future debits up to 2 days before they occur.

#### es

Al proporcionar sus datos de pago y confirmar este pago, usted autoriza a (A)  y Stripe, nuestro proveedor de servicios de pago, a enviar instrucciones a su banco para realizar un débito en su cuenta y (B) a su banco a realizar un cargo en su cuenta de conformidad con dichas instrucciones. Como parte de sus derechos, usted tiene derecho a un reembolso de su banco conforme a los términos y condiciones del contrato con su banco. El reembolso debe reclamarse en un plazo de 8 semanas a partir de la fecha en la que se haya efectuado el cargo en su cuenta. Sus derechos se explican en un extracto que puede obtener en su banco. Usted acepta recibir notificaciones de futuros débitos hasta 2 días antes de que se produzcan.

#### fi

Antamalla maksutiedot ja vahvistamalla tämän maksun, valtuutat (A)  ja Stripen, maksupalveluntarjoajamme, lähettämään ohjeet pankille tilisi veloittamiseksi ja (B) pankkisi veloittamaan tiliäsi kyseisten ohjeiden mukaisesti. Oikeuksiesi mukaisesti olet oikeutettu maksun palautukseen pankilta, kuten heidän kanssaan tekemässäsi sopimuksessa ja sen ehdoissa on kuvattu. Maksun palautus on lunastettava 8 viikon aikana alkaen päivästä, jolloin tiliäsi veloitettiin. Oikeutesi on selitetty pankilta saatavissa olevassa lausunnossa. Hyväksyt vastaanottamaan ilmoituksia tulevista veloituksista jopa kaksi päivää ennen niiden tapahtumista.

#### fr

En fournissant vos informations de paiement et en confirmant ce paiement, vous autorisez (A)  et Stripe, notre prestataire de services de paiement et/ou PPRO, son prestataire de services local, à envoyer des instructions à votre banque pour débiter votre compte et (B) votre banque à débiter votre compte conformément à ces instructions. Vous avez, entre autres, le droit de vous faire rembourser par votre banque selon les modalités et conditions du contrat conclu avec votre banque. La demande de remboursement doit être soumise dans un délai de 8 semaines à compter de la date à laquelle votre compte a été débité. Vos droits sont expliqués dans une déclaration disponible auprès de votre banque. Vous acceptez de recevoir des notifications des débits à venir dans les 2 jours précédant leur réalisation.

#### it

Fornendo i dati di pagamento e confermando il pagamento, l’utente autorizza (A)  e Stripe, il fornitore del servizio di pagamento locale, a inviare alla sua banca le istruzioni per eseguire addebiti sul suo conto e (B) la sua banca a effettuare addebiti conformemente a tali istruzioni. L’utente, fra le altre cose, ha diritto a un rimborso dalla banca, in base a termini e condizioni dell’accordo sottoscritto con l’istituto. Il rimborso va richiesto entro otto settimane dalla data dell’addebito sul conto. I diritti dell’utente sono illustrati in una comunicazione riepilogativa che è possibile richiedere alla banca. L’utente accetta di ricevere notifiche per i futuri addebiti fino a due giorni prima che vengano effettuati.

#### nl

Door je betaalgegevens door te geven en deze betaling te bevestigen, geef je (A)  en Stripe, onze betaaldienst, toestemming om instructies naar je bank te verzenden om het bedrag van je rekening af te schrijven, en (B) geef je je bank toestemming om het bedrag van je rekening af te schrijven conform deze aanwijzingen. Als onderdeel van je rechten kom je in aanmerking voor een terugbetaling van je bank conform de voorwaarden van je overeenkomst met de bank. Je moet terugbetalingen binnen acht weken claimen vanaf de datum waarop het bedrag is afgeschreven van je rekening. Je rechten worden toegelicht in een overzicht dat je bij de bank kunt opvragen. Je gaat ermee akkoord meldingen te ontvangen voor toekomstige afschrijvingen tot twee dagen voordat deze plaatsvinden.

​​Setting up a payment method or confirming a PaymentIntent creates the accepted mandate. As the customer has implicitly signed the mandate, you must communicate these terms in your form or through email.

## 向 Stripe 提交付款 [客户端]

Retrieve the client secret from the PaymentIntent you created and call [STPPaymentHandler confirmPayment](https://stripe.dev/stripe-ios/stripe-payments/Classes/STPPaymentHandler.html#/c:@M@StripePayments@objc\(cs\)STPPaymentHandler\(im\)confirmPayment:withAuthenticationContext:completion:) to present a webview where the customer can complete the payment on their bank’s website or app. Handle the payment result in the completion block.

#### Swift

```swift
let paymentIntentParams = STPPaymentIntentParams(clientSecret: paymentIntentClientSecret)
paymentIntentParams.paymentMethodParams = paymentMethodParams

STPPaymentHandler.shared().confirmPayment(paymentIntentParams, with: self) { (handlerStatus, paymentIntent, error) in
    switch handlerStatus {
    case .succeeded:
        // Payment succeeded

    case .canceled:
        // Payment was canceled

    case .failed:
        // Payment failed

    @unknown default:
        fatalError()
    }
}
```

## Charge the SEPA Direct Debit PaymentMethod later

When you need to charge your customer again, create a new PaymentIntent. Find the ID of the SEPA Direct Debit payment method by [retrieving](https://docs.stripe.com/api/payment_intents/retrieve.md) the previous PaymentIntent and [expanding](https://docs.stripe.com/api/expanding_objects.md) the `latest_charge` field where you’ll find the `generated_sepa_debit` ID inside of `payment_method_details`.

```curl
curl -G https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}} \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "expand[]=latest_charge"
```

The SEPA Direct Debit payment method ID is the `generated_sepa_debit` ID under [payment_method_details](https://docs.stripe.com/api/charges/object.md#charge_object-payment_method_details-ideal) in the response.

#### Json

```json
{
  "latest_charge": {"payment_method_details": {
      "bancontact": {
        "bank_code": "VAPE",
        "bank_name": "VAN DE PUT & CO",
        "bics": "VAPEBE22",
        "iban_last4": "7061",
        "generated_sepa_debit": "pm_1GrddXGf98efjktuBIi3ag7aJQ",
        "preferred_language": "en",
        "verified_name": "Jenny Rosen"
      },
      "type": "bancontact"
    },
  },
  "payment_method_options": {
    "bancontact": {}
  },
  "payment_method_types": [
    "bancontact"
  ],
  "id": "pi_1G1sgdKi6xqXeNtkldRRE6HT",
  "object": "payment_intent",
  "amount": 1099,
  "client_secret": "pi_1G1sgdKi6xqXeNtkldRRE6HT_secret_h9B56ObhTN72fQiBAuzcVPb2E",
  "confirmation_method": "automatic",
  "created": 1579259303,
  "currency": "eur",
  "customer": "cus_f0Us034jfkXcl0CJQ",
  "livemode": true,
  "next_action": null
}
```

Create a `PaymentIntent` with the SEPA Direct Debit ID and the customer’s ID.

#### Accounts v2

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d amount=1099 \
  -d currency=eur \
  -d "customer_account={{CUSTOMERACCOUNT_ID}}" \
  -d payment_method={{SEPA_DEBIT_PAYMENT_METHOD_ID}} \
  -d confirm=true
```

#### Customers v1

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d amount=1099 \
  -d currency=eur \
  -d "customer={{CUSTOMER_ID}}" \
  -d payment_method={{SEPA_DEBIT_PAYMENT_METHOD_ID}} \
  -d confirm=true
```

## 测试您的集成

#### 邮箱

将 `payment_method.billing_details.email` 设置为以下值之一，以测试 `PaymentIntent` 的状态转换。您可以在电子邮箱地址开头添加自定义文本，后面跟一个下划线。例如，使用 `test_1_generatedSepaDebitIntentsFail@example.com` 将会生成一个在用于 `PaymentIntent` 时始终失败的 SEPA 直接借记 PaymentMethod。

| 邮件地址                                                               | 描述                                                                                             |
| ------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------- |
| `generatedSepaDebitIntentsSucceed@example.com`                     | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                             |
| `generatedSepaDebitIntentsSucceedDelayed@example.com`              | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                      |
| `generatedSepaDebitIntentsFail@example.com`                        | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                               |
| `generatedSepaDebitIntentsFailDelayed@example.com`                 | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                        |
| `generatedSepaDebitIntentsSucceedDisputed@example.com`             | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`，但会立即产生争议。                                    |
| `generatedSepaDebitIntentsFailsDueToInsufficientFunds@example.com` | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`，并带有 `insufficient_funds` 失败代码。 |

#### PaymentMethod

使用这些 PaymentMethod 来测试 `PaymentIntent` 的状态转换。这些令牌对于自动化测试非常有用，可立即在服务器上将 PaymentMethod 附加到PaymentIntent。

| 支付方式                                                                 | 描述                                                                                             |
| -------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- |
| `pm_bancontact_generatedSepaDebitIntentsSucceed`                     | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                             |
| `pm_bancontact_generatedSepaDebitIntentsSucceedDelayed`              | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                      |
| `pm_bancontact_generatedSepaDebitIntentsFail`                        | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                               |
| `pm_bancontact_generatedSepaDebitIntentsFailDelayed`                 | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                        |
| `pm_bancontact_generatedSepaDebitIntentsSucceedDisputed`             | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`，但会立即产生争议。                                    |
| `pm_bancontact_generatedSepaDebitIntentsFailsDueToInsufficientFunds` | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`，并带有 `insufficient_funds` 失败代码。 |

## Optional: 处理付款后事件

付款完成时，Stripe 会发送一个 [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) 事件。使用管理平台、自定义 *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) 或一个合作伙伴方案来接收这些事件并运行操作，例如，向客户发送订单确认邮件、在数据库中记录订单，或启动配送流程。

侦听这些事件，而不是等待客户端的回调。在客户端上，客户可以在执行回调之前关闭浏览器窗口或退出应用程序，而且恶意客户端可以操纵响应。将集成设置为侦听异步事件还有助于您在未来接受更多支付方式。了解[所有受支持的支付方式之间的差异](https://stripe.com/payments/payment-methods-guide)。

### 接收事件并启动公司操作

在接收和处理公司操作方面有几个选项。

#### 手动

用 Stripe 管理平台查看您的所有 Stripe 付款，发送邮件收据，处理提现或重试失败的付款。

- [在管理平台内查看测试付款](https://dashboard.stripe.com/test/payments)

#### 自定义代码

构建一个 Webhook 处理程序，侦听事件并构建自定义同步付款流程。用 Stripe CLI 在本地测试并调试您的 Webhook 集成。

- [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook)

#### 预构建应用

通过集成合作伙伴应用程序处理常见业务事件，例如[自动化](https://stripe.partners/?f_category=automation)或[营销和销售](https://stripe.partners/?f_category=marketing-and-sales)。


# Android

> This is a Android for when payment-ui is mobile and platform is android. View the full page at https://docs.stripe.com/payments/bancontact/save-during-payment?payment-ui=mobile&platform=android.

Accepting Bancontact payments consists of creating a [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) object to track a payment, collecting payment method details and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses the PaymentIntent to track and handle all the states of the payment until the payment completes. Use the ID of the SEPA Direct Debit *PaymentMethod* (PaymentMethods represent your customer's payment instruments, used with the Payment Intents or Setup Intents APIs) collected from your initial Bancontact PaymentIntent to create future payments.

## 设置 Stripe [服务器端] [客户端]

首先，您需要有 Stripe 账户。[立即注册](https://dashboard.stripe.com/register)。

### 服务器端

该集成要求您的服务器上的端点与 Stripe API 通讯。请用官方库从您的服务器访问 Stripe API：

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

### 客户端

[Stripe Android SDK](https://github.com/stripe/stripe-android) 是开源的，且[有完整的文档](https://stripe.dev/stripe-android/)。

安装 SDK 时，将 `stripe-android` 添加到您的 [app/build.gradle](https://developer.android.com/studio/build/dependencies) 文件的 `dependencies` 块中：

#### Kotlin

```kotlin
plugins {
    id("com.android.application")
}

android { ... }

dependencies {
  // ...

  // Stripe Android SDK
  implementation("com.stripe:stripe-android:23.7.0")
  // Include the financial connections SDK to support US bank account as a payment method
  implementation("com.stripe:financial-connections:23.7.0")
}
```

> 有关最新 SDK 发布及过往版本的详细信息，请查看 GitHub 上的[发布](https://github.com/stripe/stripe-android/releases)页面。要想在新版本发布时接收通知，请[查看仓库的发布情况](https://docs.github.com/en/github/managing-subscriptions-and-notifications-on-github/configuring-notifications#configuring-your-watch-settings-for-an-individual-repository)。

用您的 Stripe [公钥](https://dashboard.stripe.com/apikeys)配置 SDK，以便它可以向 Stripe API 发送请求，例如在您的 `Application` 子类中：

#### Kotlin

```kotlin
import com.stripe.android.PaymentConfiguration

class MyApp : Application() {
    override fun onCreate() {
        super.onCreate()
        PaymentConfiguration.init(
            applicationContext,
            "<<YOUR_PUBLISHABLE_KEY>>"
        )
    }
}
```

> 测试时使用您的[测试密钥](https://docs.stripe.com/keys.md#obtain-api-keys)，发布应用时使用[真实模式](https://docs.stripe.com/keys.md#test-live-modes)密钥。

Stripe 的示例还用 [OkHttp](https://github.com/square/okhttp) 和 [GSON](https://github.com/google/gson) 向服务器发送了 HTTP 请求。

## 创建一个 Customer [服务器端]

Create a *Customer* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) when they create an account with your business and associate it with your internal representation of their account. This enables you to retrieve and use their saved payment method details later.

```curl
curl -X POST https://api.stripe.com/v1/customers \
  -u "<<YOUR_SECRET_KEY>>:"
```

## 创建 PaymentIntent [服务器端]

Create a `PaymentIntent` on your server and specify the `amount` to collect, the `eur` currency, the customer ID, and *off\_session* (A payment is described as off-session if it occurs without the direct involvement of the customer, using previously-collected payment information) as an argument for [setup future usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage). If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `bancontact` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]=bancontact" \
  -d customer={{CUSTOMER_ID}} \
  -d setup_future_usage=off_session
```

## Collect payment method details and mandate acknowledgement [客户端]

In your app, collect your customer’s full name and email address. Create a [PaymentMethodCreateParams](https://stripe.dev/stripe-android/payments-core/com.stripe.android.model/-payment-method-create-params/index.html) object with these details.

#### Kotlin

```kotlin
val billingDetails = PaymentMethod.BillingDetails(name = "Jenny Rosen", email = "jenny.rosen@example.com")
val paymentMethodCreateParams = PaymentMethodCreateParams.createBancontact(billingDetails)
```

​​To process SEPA Direct Debit payments, you must collect a mandate agreement from your customer. Display the following standard authorization text for your customer to implicitly sign the mandate.

Replace *Rocket Rides* with your company name.

#### de

Durch Angabe Ihrer Zahlungsinformationen und der Bestätigung der vorliegenden Zahlung ermächtigen Sie (A)  und Stripe, unseren Zahlungsdienstleister, Ihrem Kreditinstitut Anweisungen zur Belastung Ihres Kontos zu erteilen, und (B) Ihr Kreditinstitut, Ihr Konto gemäß diesen Anweisungen zu belasten. Im Rahmen Ihrer Rechte haben Sie, entsprechend den Vertragsbedingungen mit Ihrem Kreditinstitut, Anspruch auf eine Rückerstattung von Ihrem Kreditinstitut. Eine Rückerstattung muss innerhalb von 8 Wochen ab dem Tag, an dem Ihr Konto belastet wurde, geltend gemacht werden. Eine Erläuterung Ihrer Rechte können Sie von Ihrem Kreditinstitut anfordern. Sie erklären sich einverstanden, Benachrichtigungen über künftige Belastungen bis spätestens 2 Tage vor dem Buchungsdatum zu erhalten.

#### ZH

By providing your payment information and confirming this payment, you authorise (A)  and Stripe, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with those instructions. As part of your rights, you’re entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank. You agree to receive notifications for future debits up to 2 days before they occur.

#### es

Al proporcionar sus datos de pago y confirmar este pago, usted autoriza a (A)  y Stripe, nuestro proveedor de servicios de pago, a enviar instrucciones a su banco para realizar un débito en su cuenta y (B) a su banco a realizar un cargo en su cuenta de conformidad con dichas instrucciones. Como parte de sus derechos, usted tiene derecho a un reembolso de su banco conforme a los términos y condiciones del contrato con su banco. El reembolso debe reclamarse en un plazo de 8 semanas a partir de la fecha en la que se haya efectuado el cargo en su cuenta. Sus derechos se explican en un extracto que puede obtener en su banco. Usted acepta recibir notificaciones de futuros débitos hasta 2 días antes de que se produzcan.

#### fi

Antamalla maksutiedot ja vahvistamalla tämän maksun, valtuutat (A)  ja Stripen, maksupalveluntarjoajamme, lähettämään ohjeet pankille tilisi veloittamiseksi ja (B) pankkisi veloittamaan tiliäsi kyseisten ohjeiden mukaisesti. Oikeuksiesi mukaisesti olet oikeutettu maksun palautukseen pankilta, kuten heidän kanssaan tekemässäsi sopimuksessa ja sen ehdoissa on kuvattu. Maksun palautus on lunastettava 8 viikon aikana alkaen päivästä, jolloin tiliäsi veloitettiin. Oikeutesi on selitetty pankilta saatavissa olevassa lausunnossa. Hyväksyt vastaanottamaan ilmoituksia tulevista veloituksista jopa kaksi päivää ennen niiden tapahtumista.

#### fr

En fournissant vos informations de paiement et en confirmant ce paiement, vous autorisez (A)  et Stripe, notre prestataire de services de paiement et/ou PPRO, son prestataire de services local, à envoyer des instructions à votre banque pour débiter votre compte et (B) votre banque à débiter votre compte conformément à ces instructions. Vous avez, entre autres, le droit de vous faire rembourser par votre banque selon les modalités et conditions du contrat conclu avec votre banque. La demande de remboursement doit être soumise dans un délai de 8 semaines à compter de la date à laquelle votre compte a été débité. Vos droits sont expliqués dans une déclaration disponible auprès de votre banque. Vous acceptez de recevoir des notifications des débits à venir dans les 2 jours précédant leur réalisation.

#### it

Fornendo i dati di pagamento e confermando il pagamento, l’utente autorizza (A)  e Stripe, il fornitore del servizio di pagamento locale, a inviare alla sua banca le istruzioni per eseguire addebiti sul suo conto e (B) la sua banca a effettuare addebiti conformemente a tali istruzioni. L’utente, fra le altre cose, ha diritto a un rimborso dalla banca, in base a termini e condizioni dell’accordo sottoscritto con l’istituto. Il rimborso va richiesto entro otto settimane dalla data dell’addebito sul conto. I diritti dell’utente sono illustrati in una comunicazione riepilogativa che è possibile richiedere alla banca. L’utente accetta di ricevere notifiche per i futuri addebiti fino a due giorni prima che vengano effettuati.

#### nl

Door je betaalgegevens door te geven en deze betaling te bevestigen, geef je (A)  en Stripe, onze betaaldienst, toestemming om instructies naar je bank te verzenden om het bedrag van je rekening af te schrijven, en (B) geef je je bank toestemming om het bedrag van je rekening af te schrijven conform deze aanwijzingen. Als onderdeel van je rechten kom je in aanmerking voor een terugbetaling van je bank conform de voorwaarden van je overeenkomst met de bank. Je moet terugbetalingen binnen acht weken claimen vanaf de datum waarop het bedrag is afgeschreven van je rekening. Je rechten worden toegelicht in een overzicht dat je bij de bank kunt opvragen. Je gaat ermee akkoord meldingen te ontvangen voor toekomstige afschrijvingen tot twee dagen voordat deze plaatsvinden.

​​Setting up a payment method or confirming a PaymentIntent creates the accepted mandate. As the customer has implicitly signed the mandate, you must communicate these terms in your form or through email.

## 向 Stripe 提交付款 [客户端]

Retrieve the client secret from the PaymentIntent you created and call [PaymentLauncher confirm](https://stripe.dev/stripe-android/payments-core/com.stripe.android.payments.paymentlauncher/-payment-launcher/index.html#74063765%2FFunctions%2F-1622557690). This presents a webview where the customer can complete the payment on their bank’s website or app. Handle the payment result in `onPaymentResult`.

#### Kotlin

```kotlin
class BancontactPaymentActivity : AppCompatActivity() {
    // ...
    private lateinit var paymentIntentClientSecret: String
    private val paymentLauncher: PaymentLauncher by lazy {
        PaymentLauncher.Companion.create(
            this,
            PaymentConfiguration.getInstance(applicationContext).publishableKey,
            PaymentConfiguration.getInstance(applicationContext).stripeAccountId,
            ::onPaymentResult
        )
    }

    private fun startCheckout() {
        // ...

        val confirmParams = ConfirmPaymentIntentParams
            .createWithPaymentMethodCreateParams(
                paymentMethodCreateParams = paymentMethodCreateParams,
                clientSecret = paymentIntentClientSecret
            )
        paymentLauncher.confirm(confirmParams)
    }

    private fun onPaymentResult(paymentResult: PaymentResult) {
        val message = when (paymentResult) {
            is PaymentResult.Completed -> {
                "Completed!"
            }
            is PaymentResult.Canceled -> {
                "Canceled!"
            }
            is PaymentResult.Failed -> {
                // This string comes from the PaymentIntent's error message.
                // See here: https://stripe.com/docs/api/payment_intents/object#payment_intent_object-last_payment_error-message
                "Failed: " + paymentResult.throwable.message
            }
        }
    }
}
}
```

## Charge the SEPA Direct Debit PaymentMethod later

When you need to charge your customer again, create a new PaymentIntent. Find the ID of the SEPA Direct Debit payment method by [retrieving](https://docs.stripe.com/api/payment_intents/retrieve.md) the previous PaymentIntent and [expanding](https://docs.stripe.com/api/expanding_objects.md) the `latest_charge` field where you’ll find the `generated_sepa_debit` ID inside of `payment_method_details`.

```curl
curl -G https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}} \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "expand[]=latest_charge"
```

The SEPA Direct Debit payment method ID is the `generated_sepa_debit` ID under [payment_method_details](https://docs.stripe.com/api/charges/object.md#charge_object-payment_method_details-ideal) in the response.

#### Json

```json
{
  "latest_charge": {"payment_method_details": {
      "bancontact": {
        "bank_code": "VAPE",
        "bank_name": "VAN DE PUT & CO",
        "bics": "VAPEBE22",
        "iban_last4": "7061",
        "generated_sepa_debit": "pm_1GrddXGf98efjktuBIi3ag7aJQ",
        "preferred_language": "en",
        "verified_name": "Jenny Rosen"
      },
      "type": "bancontact"
    },
  },
  "payment_method_options": {
    "bancontact": {}
  },
  "payment_method_types": [
    "bancontact"
  ],
  "id": "pi_1G1sgdKi6xqXeNtkldRRE6HT",
  "object": "payment_intent",
  "amount": 1099,
  "client_secret": "pi_1G1sgdKi6xqXeNtkldRRE6HT_secret_h9B56ObhTN72fQiBAuzcVPb2E",
  "confirmation_method": "automatic",
  "created": 1579259303,
  "currency": "eur",
  "customer": "cus_f0Us034jfkXcl0CJQ",
  "livemode": true,
  "next_action": null
}
```

Create a `PaymentIntent` with the SEPA Direct Debit ID and the customer’s ID.

#### Accounts v2

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d amount=1099 \
  -d currency=eur \
  -d "customer_account={{CUSTOMERACCOUNT_ID}}" \
  -d payment_method={{SEPA_DEBIT_PAYMENT_METHOD_ID}} \
  -d confirm=true
```

#### Customers v1

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d amount=1099 \
  -d currency=eur \
  -d "customer={{CUSTOMER_ID}}" \
  -d payment_method={{SEPA_DEBIT_PAYMENT_METHOD_ID}} \
  -d confirm=true
```

## 测试您的集成

#### 邮箱

将 `payment_method.billing_details.email` 设置为以下值之一，以测试 `PaymentIntent` 的状态转换。您可以在电子邮箱地址开头添加自定义文本，后面跟一个下划线。例如，使用 `test_1_generatedSepaDebitIntentsFail@example.com` 将会生成一个在用于 `PaymentIntent` 时始终失败的 SEPA 直接借记 PaymentMethod。

| 邮件地址                                                               | 描述                                                                                             |
| ------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------- |
| `generatedSepaDebitIntentsSucceed@example.com`                     | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                             |
| `generatedSepaDebitIntentsSucceedDelayed@example.com`              | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                      |
| `generatedSepaDebitIntentsFail@example.com`                        | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                               |
| `generatedSepaDebitIntentsFailDelayed@example.com`                 | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                        |
| `generatedSepaDebitIntentsSucceedDisputed@example.com`             | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`，但会立即产生争议。                                    |
| `generatedSepaDebitIntentsFailsDueToInsufficientFunds@example.com` | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`，并带有 `insufficient_funds` 失败代码。 |

#### PaymentMethod

使用这些 PaymentMethod 来测试 `PaymentIntent` 的状态转换。这些令牌对于自动化测试非常有用，可立即在服务器上将 PaymentMethod 附加到PaymentIntent。

| 支付方式                                                                 | 描述                                                                                             |
| -------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- |
| `pm_bancontact_generatedSepaDebitIntentsSucceed`                     | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                             |
| `pm_bancontact_generatedSepaDebitIntentsSucceedDelayed`              | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                      |
| `pm_bancontact_generatedSepaDebitIntentsFail`                        | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                               |
| `pm_bancontact_generatedSepaDebitIntentsFailDelayed`                 | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                        |
| `pm_bancontact_generatedSepaDebitIntentsSucceedDisputed`             | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`，但会立即产生争议。                                    |
| `pm_bancontact_generatedSepaDebitIntentsFailsDueToInsufficientFunds` | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`，并带有 `insufficient_funds` 失败代码。 |

## Optional: 处理付款后事件

付款完成时，Stripe 会发送一个 [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) 事件。使用管理平台、自定义 *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) 或一个合作伙伴方案来接收这些事件并运行操作，例如，向客户发送订单确认邮件、在数据库中记录订单，或启动配送流程。

侦听这些事件，而不是等待客户端的回调。在客户端上，客户可以在执行回调之前关闭浏览器窗口或退出应用程序，而且恶意客户端可以操纵响应。将集成设置为侦听异步事件还有助于您在未来接受更多支付方式。了解[所有受支持的支付方式之间的差异](https://stripe.com/payments/payment-methods-guide)。

### 接收事件并启动公司操作

在接收和处理公司操作方面有几个选项。

#### 手动

用 Stripe 管理平台查看您的所有 Stripe 付款，发送邮件收据，处理提现或重试失败的付款。

- [在管理平台内查看测试付款](https://dashboard.stripe.com/test/payments)

#### 自定义代码

构建一个 Webhook 处理程序，侦听事件并构建自定义同步付款流程。用 Stripe CLI 在本地测试并调试您的 Webhook 集成。

- [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook)

#### 预构建应用

通过集成合作伙伴应用程序处理常见业务事件，例如[自动化](https://stripe.partners/?f_category=automation)或[营销和销售](https://stripe.partners/?f_category=marketing-and-sales)。


# React Native

> This is a React Native for when payment-ui is mobile and platform is react-native. View the full page at https://docs.stripe.com/payments/bancontact/save-during-payment?payment-ui=mobile&platform=react-native.

Accepting Bancontact payments consists of creating a [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) object to track a payment, collecting payment method details and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses the PaymentIntent to track and handle all the states of the payment until the payment completes. Use the ID of the SEPA Direct Debit *PaymentMethod* (PaymentMethods represent your customer's payment instruments, used with the Payment Intents or Setup Intents APIs) collected from your initial Bancontact PaymentIntent to create future payments.

## 设置 Stripe [服务器端] [客户端]

### 服务器端

该集成要求您的服务器上的端点与 Stripe API 通讯。请用我们的官方库从您的服务器访问 Stripe API：

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

### 客户端

[React Native SDK](https://github.com/stripe/stripe-react-native) 是开源的，有完整的文档。在内部，它利用的是[原生 iOS](https://github.com/stripe/stripe-ios) 和 [Android](https://github.com/stripe/stripe-android) SDK。要安装 Stripe 的 React Native SDK，在您的项目目录中运行以下某个指令（取决于您使用的软件包管理器）。

#### yarn

```bash
yarn add @stripe/stripe-react-native
```

#### npm

```bash
npm install @stripe/stripe-react-native
```

然后，安装一些其他必要的依赖项：

- 对于 iOS，请转到 **ios** 目录并运行 `pod install` 以确保同时安装了所需的本地依赖项。
- 对于 Android，无需安装其他依赖项。

> 建议按照[官方 TypeScript 指南](https://reactnative.dev/docs/typescript#adding-typescript-to-an-existing-project)添加 TypeScript 支持。

### Stripe 初始化

要在您的 React Native 应用中初始化 Stripe，使用 `StripeProvider` 组件包裹您的支付界面，或者使用 `initStripe` 初始化方法。只需要 `publishableKey` 中的 API [公钥](https://docs.stripe.com/keys.md#obtain-api-keys)。下例显示的是用 `StripeProvider` 组件初始化 Stripe 的方式。

```jsx
import { useState, useEffect } from 'react';
import { StripeProvider } from '@stripe/stripe-react-native';

function App() {
  const [publishableKey, setPublishableKey] = useState('');

  const fetchPublishableKey = async () => {
    const key = await fetchKey(); // fetch key from your server here
    setPublishableKey(key);
  };

  useEffect(() => {
    fetchPublishableKey();
  }, []);

  return (
    <StripeProvider
      publishableKey={publishableKey}
      merchantIdentifier="merchant.identifier" // required for Apple Pay
      urlScheme="your-url-scheme" // required for 3D Secure and bank redirects
    >
      {/* Your app code here */}
    </StripeProvider>
  );
}
```

> 测试与开发时使用 API [测试模式](https://docs.stripe.com/keys.md#obtain-api-keys)，发布时使用[真实模式](https://docs.stripe.com/keys.md#test-live-modes)密钥。

## 创建一个 Customer [服务器端]

Create a *Customer* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) when they create an account with your business and associate it with your internal representation of their account. This enables you to retrieve and use their saved payment method details later.

```curl
curl -X POST https://api.stripe.com/v1/customers \
  -u "<<YOUR_SECRET_KEY>>:"
```

## 创建 PaymentIntent [服务器端]

Create a `PaymentIntent` on your server and specify the `amount` to collect, the `eur` currency, the customer ID, and *off\_session* (A payment is described as off-session if it occurs without the direct involvement of the customer, using previously-collected payment information) as an argument for [setup future usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage). If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `bancontact` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]=bancontact" \
  -d customer={{CUSTOMER_ID}} \
  -d setup_future_usage=off_session
```

## Collect payment method details and mandate acknowledgement [客户端]

In your app, collect your customer’s full name and email address.

```javascript
export default function BancontactPaymentScreen() {
  const [name, setName] = useState();
  const [email, setEmai] = useState();

  const handlePayPress = async () => {
    // ...
  };

  return (
    <Screen>
      <TextInput
        placeholder="Email"
        onChange={(value) => setEmail(value.nativeEvent.text)}
      />
      <TextInput
        placeholder="Name"
        onChange={(value) => setName(value.nativeEvent.text)}
      />
    </Screen>
  );
}
```

​​To process SEPA Direct Debit payments, you must collect a mandate agreement from your customer. Display the following standard authorization text for your customer to implicitly sign the mandate.

Replace *Rocket Rides* with your company name.

#### de

Durch Angabe Ihrer Zahlungsinformationen und der Bestätigung der vorliegenden Zahlung ermächtigen Sie (A)  und Stripe, unseren Zahlungsdienstleister, Ihrem Kreditinstitut Anweisungen zur Belastung Ihres Kontos zu erteilen, und (B) Ihr Kreditinstitut, Ihr Konto gemäß diesen Anweisungen zu belasten. Im Rahmen Ihrer Rechte haben Sie, entsprechend den Vertragsbedingungen mit Ihrem Kreditinstitut, Anspruch auf eine Rückerstattung von Ihrem Kreditinstitut. Eine Rückerstattung muss innerhalb von 8 Wochen ab dem Tag, an dem Ihr Konto belastet wurde, geltend gemacht werden. Eine Erläuterung Ihrer Rechte können Sie von Ihrem Kreditinstitut anfordern. Sie erklären sich einverstanden, Benachrichtigungen über künftige Belastungen bis spätestens 2 Tage vor dem Buchungsdatum zu erhalten.

#### ZH

By providing your payment information and confirming this payment, you authorise (A)  and Stripe, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with those instructions. As part of your rights, you’re entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank. You agree to receive notifications for future debits up to 2 days before they occur.

#### es

Al proporcionar sus datos de pago y confirmar este pago, usted autoriza a (A)  y Stripe, nuestro proveedor de servicios de pago, a enviar instrucciones a su banco para realizar un débito en su cuenta y (B) a su banco a realizar un cargo en su cuenta de conformidad con dichas instrucciones. Como parte de sus derechos, usted tiene derecho a un reembolso de su banco conforme a los términos y condiciones del contrato con su banco. El reembolso debe reclamarse en un plazo de 8 semanas a partir de la fecha en la que se haya efectuado el cargo en su cuenta. Sus derechos se explican en un extracto que puede obtener en su banco. Usted acepta recibir notificaciones de futuros débitos hasta 2 días antes de que se produzcan.

#### fi

Antamalla maksutiedot ja vahvistamalla tämän maksun, valtuutat (A)  ja Stripen, maksupalveluntarjoajamme, lähettämään ohjeet pankille tilisi veloittamiseksi ja (B) pankkisi veloittamaan tiliäsi kyseisten ohjeiden mukaisesti. Oikeuksiesi mukaisesti olet oikeutettu maksun palautukseen pankilta, kuten heidän kanssaan tekemässäsi sopimuksessa ja sen ehdoissa on kuvattu. Maksun palautus on lunastettava 8 viikon aikana alkaen päivästä, jolloin tiliäsi veloitettiin. Oikeutesi on selitetty pankilta saatavissa olevassa lausunnossa. Hyväksyt vastaanottamaan ilmoituksia tulevista veloituksista jopa kaksi päivää ennen niiden tapahtumista.

#### fr

En fournissant vos informations de paiement et en confirmant ce paiement, vous autorisez (A)  et Stripe, notre prestataire de services de paiement et/ou PPRO, son prestataire de services local, à envoyer des instructions à votre banque pour débiter votre compte et (B) votre banque à débiter votre compte conformément à ces instructions. Vous avez, entre autres, le droit de vous faire rembourser par votre banque selon les modalités et conditions du contrat conclu avec votre banque. La demande de remboursement doit être soumise dans un délai de 8 semaines à compter de la date à laquelle votre compte a été débité. Vos droits sont expliqués dans une déclaration disponible auprès de votre banque. Vous acceptez de recevoir des notifications des débits à venir dans les 2 jours précédant leur réalisation.

#### it

Fornendo i dati di pagamento e confermando il pagamento, l’utente autorizza (A)  e Stripe, il fornitore del servizio di pagamento locale, a inviare alla sua banca le istruzioni per eseguire addebiti sul suo conto e (B) la sua banca a effettuare addebiti conformemente a tali istruzioni. L’utente, fra le altre cose, ha diritto a un rimborso dalla banca, in base a termini e condizioni dell’accordo sottoscritto con l’istituto. Il rimborso va richiesto entro otto settimane dalla data dell’addebito sul conto. I diritti dell’utente sono illustrati in una comunicazione riepilogativa che è possibile richiedere alla banca. L’utente accetta di ricevere notifiche per i futuri addebiti fino a due giorni prima che vengano effettuati.

#### nl

Door je betaalgegevens door te geven en deze betaling te bevestigen, geef je (A)  en Stripe, onze betaaldienst, toestemming om instructies naar je bank te verzenden om het bedrag van je rekening af te schrijven, en (B) geef je je bank toestemming om het bedrag van je rekening af te schrijven conform deze aanwijzingen. Als onderdeel van je rechten kom je in aanmerking voor een terugbetaling van je bank conform de voorwaarden van je overeenkomst met de bank. Je moet terugbetalingen binnen acht weken claimen vanaf de datum waarop het bedrag is afgeschreven van je rekening. Je rechten worden toegelicht in een overzicht dat je bij de bank kunt opvragen. Je gaat ermee akkoord meldingen te ontvangen voor toekomstige afschrijvingen tot twee dagen voordat deze plaatsvinden.

​​Setting up a payment method or confirming a PaymentIntent creates the accepted mandate. As the customer has implicitly signed the mandate, you must communicate these terms in your form or through email.

## 向 Stripe 提交付款 [客户端]

Retrieve the client secret from the PaymentIntent you created and call `confirmPayment`. This presents a webview where the customer can complete the payment on their bank’s website or app. Afterwards, the promise resolves with the result of the payment.

```javascript
export default function BancontactPaymentScreen() {
  const [name, setName] = useState();
  const [email, setEmai] = useState();

  const handlePayPress = async () => {
    const billingDetails: PaymentMethodCreateParams.BillingDetails = {
      name,
      email,
    };
  };

  const { error, paymentIntent } = await confirmPayment(clientSecret, {
    paymentMethodType: 'Bancontact',
    paymentMethodData: {
      billingDetails,
    }
  });

  if (error) {
    Alert.alert(`Error code: ${error.code}`, error.message);
  } else if (paymentIntent) {
    Alert.alert(
      'Success',
      `The payment was confirmed successfully! currency: ${paymentIntent.currency}`
    );
  }

  return (
    <Screen>
      <TextInput
        placeholder="Email"
        onChange={(value) => setEmail(value.nativeEvent.text)}
      />
      <TextInput
        placeholder="Name"
        onChange={(value) => setName(value.nativeEvent.text)}
      />
    </Screen>
  );
}
```

## Charge the SEPA Direct Debit PaymentMethod later

When you need to charge your customer again, create a new PaymentIntent. Find the ID of the SEPA Direct Debit payment method by [retrieving](https://docs.stripe.com/api/payment_intents/retrieve.md) the previous PaymentIntent and [expanding](https://docs.stripe.com/api/expanding_objects.md) the `latest_charge` field where you’ll find the `generated_sepa_debit` ID inside of `payment_method_details`.

```curl
curl -G https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}} \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "expand[]=latest_charge"
```

The SEPA Direct Debit payment method ID is the `generated_sepa_debit` ID under [payment_method_details](https://docs.stripe.com/api/charges/object.md#charge_object-payment_method_details-ideal) in the response.

#### Json

```json
{
  "latest_charge": {"payment_method_details": {
      "bancontact": {
        "bank_code": "VAPE",
        "bank_name": "VAN DE PUT & CO",
        "bics": "VAPEBE22",
        "iban_last4": "7061",
        "generated_sepa_debit": "pm_1GrddXGf98efjktuBIi3ag7aJQ",
        "preferred_language": "en",
        "verified_name": "Jenny Rosen"
      },
      "type": "bancontact"
    },
  },
  "payment_method_options": {
    "bancontact": {}
  },
  "payment_method_types": [
    "bancontact"
  ],
  "id": "pi_1G1sgdKi6xqXeNtkldRRE6HT",
  "object": "payment_intent",
  "amount": 1099,
  "client_secret": "pi_1G1sgdKi6xqXeNtkldRRE6HT_secret_h9B56ObhTN72fQiBAuzcVPb2E",
  "confirmation_method": "automatic",
  "created": 1579259303,
  "currency": "eur",
  "customer": "cus_f0Us034jfkXcl0CJQ",
  "livemode": true,
  "next_action": null
}
```

Create a `PaymentIntent` with the SEPA Direct Debit ID and the customer’s ID.

#### Accounts v2

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d amount=1099 \
  -d currency=eur \
  -d "customer_account={{CUSTOMERACCOUNT_ID}}" \
  -d payment_method={{SEPA_DEBIT_PAYMENT_METHOD_ID}} \
  -d confirm=true
```

#### Customers v1

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d amount=1099 \
  -d currency=eur \
  -d "customer={{CUSTOMER_ID}}" \
  -d payment_method={{SEPA_DEBIT_PAYMENT_METHOD_ID}} \
  -d confirm=true
```

## 测试您的集成

#### 邮箱

将 `payment_method.billing_details.email` 设置为以下值之一，以测试 `PaymentIntent` 的状态转换。您可以在电子邮箱地址开头添加自定义文本，后面跟一个下划线。例如，使用 `test_1_generatedSepaDebitIntentsFail@example.com` 将会生成一个在用于 `PaymentIntent` 时始终失败的 SEPA 直接借记 PaymentMethod。

| 邮件地址                                                               | 描述                                                                                             |
| ------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------- |
| `generatedSepaDebitIntentsSucceed@example.com`                     | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                             |
| `generatedSepaDebitIntentsSucceedDelayed@example.com`              | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                      |
| `generatedSepaDebitIntentsFail@example.com`                        | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                               |
| `generatedSepaDebitIntentsFailDelayed@example.com`                 | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                        |
| `generatedSepaDebitIntentsSucceedDisputed@example.com`             | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`，但会立即产生争议。                                    |
| `generatedSepaDebitIntentsFailsDueToInsufficientFunds@example.com` | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`，并带有 `insufficient_funds` 失败代码。 |

#### PaymentMethod

使用这些 PaymentMethod 来测试 `PaymentIntent` 的状态转换。这些令牌对于自动化测试非常有用，可立即在服务器上将 PaymentMethod 附加到PaymentIntent。

| 支付方式                                                                 | 描述                                                                                             |
| -------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- |
| `pm_bancontact_generatedSepaDebitIntentsSucceed`                     | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                             |
| `pm_bancontact_generatedSepaDebitIntentsSucceedDelayed`              | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `succeeded`。                                      |
| `pm_bancontact_generatedSepaDebitIntentsFail`                        | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                               |
| `pm_bancontact_generatedSepaDebitIntentsFailDelayed`                 | 至少三分钟后，`PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`。                        |
| `pm_bancontact_generatedSepaDebitIntentsSucceedDisputed`             | `PaymentIntent` 的状态从 `processing` 转换为 `succeeded`，但会立即产生争议。                                    |
| `pm_bancontact_generatedSepaDebitIntentsFailsDueToInsufficientFunds` | `PaymentIntent` 的状态从 `processing` 转换为 `requires_payment_method`，并带有 `insufficient_funds` 失败代码。 |

## Optional: 处理付款后事件

付款完成时，Stripe 会发送一个 [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) 事件。使用管理平台、自定义 *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) 或一个合作伙伴方案来接收这些事件并运行操作，例如，向客户发送订单确认邮件、在数据库中记录订单，或启动配送流程。

侦听这些事件，而不是等待客户端的回调。在客户端上，客户可以在执行回调之前关闭浏览器窗口或退出应用程序，而且恶意客户端可以操纵响应。将集成设置为侦听异步事件还有助于您在未来接受更多支付方式。了解[所有受支持的支付方式之间的差异](https://stripe.com/payments/payment-methods-guide)。

### 接收事件并启动公司操作

在接收和处理公司操作方面有几个选项。

#### 手动

用 Stripe 管理平台查看您的所有 Stripe 付款，发送邮件收据，处理提现或重试失败的付款。

- [在管理平台内查看测试付款](https://dashboard.stripe.com/test/payments)

#### 自定义代码

构建一个 Webhook 处理程序，侦听事件并构建自定义同步付款流程。用 Stripe CLI 在本地测试并调试您的 Webhook 集成。

- [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook)

#### 预构建应用

通过集成合作伙伴应用程序处理常见业务事件，例如[自动化](https://stripe.partners/?f_category=automation)或[营销和销售](https://stripe.partners/?f_category=marketing-and-sales)。

## Optional: Handle deep linking

当客户退出您的应用时（例如，在 Safari 浏览器或其银行应用程序中进行验证），为他们提供一种方式，以便他们自动返回到您的应用程序。很多支付方式类型_要求_提供一个返回 URL。如果您不提供这样一个 URL，我们就无法向您的用户显示需要返回 URL 的支付方式，即使您已启用了这些支付方式。

要提供返回 URL，请执行以下操作：

1. [注册](https://developer.apple.com/documentation/xcode/defining-a-custom-url-scheme-for-your-app#Register-your-URL-scheme) 自定义 URL。不支持通用链接。
1. [配置](https://reactnative.dev/docs/linking) 您的自定义 URL。
1. 设置您的根组件，将 URL 转发到 Stripe SDK，如下所示。

> 如果您在使用 Expo，则在 `app.json` 文件中[设置您的协议](https://docs.expo.io/guides/linking/#in-a-standalone-app)。

```jsx
import { useEffect, useCallback } from 'react';
import { Linking } from 'react-native';
import { useStripe } from '@stripe/stripe-react-native';

export default function MyApp() {
  const { handleURLCallback } = useStripe();

  const handleDeepLink = useCallback(
    async (url: string | null) => {
      if (url) {
        const stripeHandled = await handleURLCallback(url);
        if (stripeHandled) {
          // This was a Stripe URL - you can return or add extra handling here as you see fit
        } else {
          // This was NOT a Stripe URL – handle as you normally would
        }
      }
    },
    [handleURLCallback]
  );

  useEffect(() => {
    const getUrlAsync = async () => {
      const initialUrl = await Linking.getInitialURL();
      handleDeepLink(initialUrl);
    };

    getUrlAsync();

    const deepLinkListener = Linking.addEventListener(
      'url',
      (event: { url: string }) => {
        handleDeepLink(event.url);
      }
    );

    return () => deepLinkListener.remove();
  }, [handleDeepLink]);

  return (
    <View>
      <AwesomeAppComponent />
    </View>
  );
}
```

有关 Native URL Scheme（页面内跳转协议）的更多信息，请参考 [Android](https://developer.android.com/training/app-links/deep-linking) 和 [iOS](https://developer.apple.com/documentation/xcode/allowing_apps_and_websites_to_link_to_your_content/defining_a_custom_url_scheme_for_your_app) 文档。


## See also

- [Accept a SEPA Direct Debit payment](https://docs.stripe.com/payments/sepa-debit/accept-a-payment.md)
- [Set up a subscription with SEPA Direct Debit in the EU](https://docs.stripe.com/billing/subscriptions/sepa-debit.md)