Accept a bank transfer

Use the Payment Intents API to accept bank transfer payments.

The first time you accept a bank transfer payment from a customer, Stripe generates a virtual bank account for them, which you can then share with them directly. All future bank transfer payments from this customer get sent to this bank account. In some countries, Stripe also provides you with a unique transfer reference number that your customer should include with each transfer to make it easier to match the transfer against outstanding payments. Some countries have limits on the number of virtual bank account numbers that you can create for free.

You can find an overview of the common steps when accepting a bank transfer payment in the following sequence diagram:

Handling underpayments and overpayments

With bank transfer payments, it’s possible that the customer sends you more or less than the expected payment amount. If the customer sends too little, Stripe partially funds an open payment intent. Invoices won’t be partially funded and remain open until incoming funds cover the full invoice amount.

If the customer sends more than the expected amount, Stripe attempts to reconcile the incoming funds against an open payment and keep the remaining excess amount in the customer cash balance. You can find more details on how Stripe handles reconciliation in the reconciliation section of our documentation.

When a customer underpays:

When a customer overpays:

Handling multiple open payments or invoices

You might have multiple open payments or invoices which can be paid with a bank transfer. In the default setup, Stripe attempts to automatically reconcile the bank transfer by using information like the transfer’s reference code or the amount transferred.

You can disable automatic reconciliation and manually reconcile payments and invoices yourself. You can override the automatic reconciliation behavior on a per-customer basis by setting reconciliation mode to manual.

Set up Stripe
Server-side

First, you need a Stripe account. Register now.

Use our official libraries for access to the Stripe API from your application:

Create or retrieve a Customer
Server-side

You must associate a Customer object to reconcile each bank transfer payment. If you have an existing Customer object, you can skip this step. Otherwise, create a new Customer object.

Create a PaymentIntent
Server-side

A PaymentIntent is an object that represents your intent to collect payment from a customer and tracks the lifecycle of the payment process through each stage. Create a PaymentIntent on the server, specifying the amount and currency you want to collect. You must also populate the customer parameter of the PaymentIntent creation request. Bank transfers aren’t available on PaymentIntents without a customer.

Before creating a Payment Intent, make sure to turn Bank transfer on in the payment methods settings page of your Dashboard.

备注

With Dynamic payment methods, Stripe handles the return of eligible payment methods based on factors such as the transaction’s amount, currency, and payment flow.

In the latest version of the API, specifying the automatic_payment_methods parameter is optional because Stripe enables its functionality by default.

If the customer already has a balance high enough to cover the payment amount, the PaymentIntent immediately succeeds with a succeeded status. Customers can accrue a balance when they accidentally overpay for a transaction—a common occurrence with bank transfers. You must reconcile customer balances within a certain period based on your location.

Collect payment details
Client-side

Collect payment details on the client with the Payment Element. The Payment Element is a prebuilt UI component that simplifies collecting payment details for a variety of payment methods.

The Payment Element contains an iframe that securely sends payment information to Stripe over an HTTPS connection. Avoid placing the Payment Element within another iframe because some payment methods require redirecting to another page for payment confirmation.

The checkout page address must start with https:// rather than http:// for your integration to work. You can test your integration without using HTTPS, but remember to enable it when you’re ready to accept live payments.

Set up Stripe.js

The Payment Element is automatically available as a feature of Stripe.js. Include the Stripe.js script on your checkout page by adding it to the head of your HTML file. Always load Stripe.js directly from js.stripe.com to remain PCI compliant. Don’t include the script in a bundle or host a copy of it yourself.

checkout.html
<head>
  <title>Checkout</title>
  <script src="https://js.stripe.com/v3/"></script>
</head>

Create an instance of Stripe with the following JavaScript on your checkout page:

checkout.js
// Set your publishable key: remember to change this to your live publishable key in production
// See your keys here: https://dashboard.stripe.com/apikeys
const stripe = Stripe('pk_test_TYooMQauvdEDq54NiTphI7jx'
);

Add the Payment Element to your payment page

The Payment Element needs a place to live on your payment page. Create an empty DOM node (container) with a unique ID in your payment form:

checkout.html
<form id="payment-form">
  <div id="payment-element">
    <!-- Elements will create form elements here -->
  </div>
  <button id="submit">Submit</button>
  <div id="error-message">
    <!-- Display error message to your customers here -->
  </div>
</form>

When the previous form loads, create an instance of the Payment Element and mount it to the container DOM node. Pass the client secret from the previous step into options when you create the Elements instance:

Handle the client secret carefully because it can complete the charge. Don’t log it, embed it in URLs, or expose it to anyone but the customer.

checkout.js
const options = {
  clientSecret: '{{CLIENT_SECRET}}',
  // Fully customizable with appearance API.
  appearance: {/*...*/},
};

// Set up Stripe.js and Elements to use in checkout form, passing the client secret obtained in a previous step
const elements = stripe.elements(options);

// Create and mount the Payment Element
const paymentElementOptions = { layout: 'accordion'};
const paymentElement = elements.create('payment', paymentElementOptions);
paymentElement.mount('#payment-element');

The Payment Element renders a dynamic form that allows your customer to pick a payment method. For each payment method, the form automatically asks the customer to fill in all necessary payment details.

Customize appearance

Customize the Payment Element to match the design of your site by passing the appearance object into options when creating the Elements provider.

Collect addresses

By default, the Payment Element only collects the necessary billing address details. To collect a customer’s full billing address (to calculate the tax for digital goods and services, for example) or shipping address, use the Address Element.

Upon confirmation, Stripe automatically opens a modal to display the bank transfer details to your customer.

Submit payment to Stripe
Client-side

Use stripe.confirmPayment to complete the payment using details from the Payment Element. Provide a return_url to this function to indicate where Stripe should redirect the user after they complete the payment. Your user may be first redirected to an intermediate site, like a bank authorization page, before being redirected to the return_url. Card payments immediately redirect to the return_url when a payment is successful.

If you don’t want to redirect for card payments after payment completion, you can set redirect to if_required. This only redirects customers that check out with redirect-based payment methods.

checkout.js
const form = document.getElementById('payment-form');

form.addEventListener('submit', async (event) => {
  event.preventDefault();

  const {error} = await stripe.confirmPayment({
    //`Elements` instance that was used to create the Payment Element
    elements,
    confirmParams: {
      return_url: 'https://example.com/order/123/complete',
    },
  });

  if (error) {
    // This point will only be reached if there is an immediate error when
    // confirming the payment. Show error to your customer (for example, payment
    // details incomplete)
    const messageContainer = document.querySelector('#error-message');
    messageContainer.textContent = error.message;
  } else {
    // Your customer will be redirected to your `return_url`. For some payment
    // methods like iDEAL, your customer will be redirected to an intermediate
    // site first to authorize the payment, then redirected to the `return_url`.
  }
});

Make sure the return_url corresponds to a page on your website that provides the status of the payment. When Stripe redirects the customer to the return_url, we provide the following URL query parameters:

Parameter	Description
`payment_intent`	The unique identifier for the `PaymentIntent`.
`payment_intent_client_secret`	The client secret of the `PaymentIntent` object.

注意

If you have tooling that tracks the customer’s browser session, you might need to add the stripe.com domain to the referrer exclude list. Redirects cause some tools to create new sessions, which prevents you from tracking the complete session.

Use one of the query parameters to retrieve the PaymentIntent. Inspect the status of the PaymentIntent to decide what to show your customers. You can also append your own query parameters when providing the return_url, which persist through the redirect process.

status.js
// Initialize Stripe.js using your publishable key
const stripe = Stripe('pk_test_TYooMQauvdEDq54NiTphI7jx'
);

// Retrieve the "payment_intent_client_secret" query parameter appended to
// your return_url by Stripe.js
const clientSecret = new URLSearchParams(window.location.search).get(
  'payment_intent_client_secret'
);

// Retrieve the PaymentIntent
stripe.retrievePaymentIntent(clientSecret).then(({paymentIntent}) => {
  const message = document.querySelector('#message')

  // Inspect the PaymentIntent `status` to indicate the status of the payment
  // to your customer.
  //
  // Some payment methods will [immediately succeed or fail][0] upon
  // confirmation, while others will first enter a `processing` state.
  //
  // [0]: https://stripe.com/docs/payments/payment-methods#payment-notification
  switch (paymentIntent.status) {
    case 'succeeded':
      message.innerText = 'Success! Payment received.';
      break;

    case 'processing':
      message.innerText = "Payment processing. We'll update you when payment is received.";
      break;

    case 'requires_payment_method':
      message.innerText = 'Payment failed. Please try another payment method.';
      // Redirect your user back to your payment page to attempt collecting
      // payment again
      break;

    default:
      message.innerText = 'Something went wrong.';
      break;
  }
});

可选Send payment instruction emails

Confirm the PaymentIntent succeeded

The PaymentIntent stays in a requires_action status until funds arrive in the bank account. When funds are ready, the PaymentIntent status updates from requires_action to succeeded.

Your webhook endpoint needs to be set up to start receiving the payment_intent.partially_funded event. When the PaymentIntent is partially funded, the status remains in requires_action status.

You can add a webhook from the Dashboard.

Alternatively, you can use the Webhook Endpoints API to start receiving the payment_intent.partially_funded event.

注意

The Stripe CLI doesn’t support triggering beta API version events, such as payment_intent.partially_funded.

The following events are sent during the payment funding flow when the PaymentIntent is updated.

Event	Description	Next steps
`payment_intent.requires_action`	Sent during confirmation when the customer balance doesn’t have sufficient funds to reconcile the PaymentIntent, the PaymentIntent transitions to `requires_action`.	Instruct your customer to send a bank transfer with the `amount_remaining`.
`payment_intent.partially_funded`	The customer sent a bank transfer that was applied to the PaymentIntent, but wasn’t enough to complete the payment. This might happen because the customer transferred an insufficient amount (because of a mistaken underpayment or fees charged by their bank) or because a remaining customer balance was applied to this PaymentIntent. PaymentIntents that are partially funded aren’t reflected in your account balance until the payment is complete.	Instruct your customer to send another bank transfer with the new `amount_remaining` to complete the payment. If you want to complete the payment with the partially applied funds, you can update the `amount` and confirm the PaymentIntent again.
`payment_intent.succeeded`	The customer’s payment succeeded.	Fulfill the goods or services that the customer purchased.

注意

When you change the amount of a partially funded PaymentIntent, the funds are returned to the customer balance. If other PaymentIntents are open, Stripe funds those automatically. If the customer is configured for manual reconciliation, you need to apply the funds again.

We recommend using webhooks to confirm the charge has succeeded and to notify the customer that the payment is complete.

Sample code

View pending payments in the Dashboard

You can view all pending bank transfer PaymentIntents in the Dashboard by applying the Waiting on funding filter to Status .

Test your integration

You can test your integration by simulating an incoming bank transfer using the API, Dashboard, or a beta version of the Stripe CLI.

To simulate a bank transfer using the Dashboard, navigate to the customer’s page in the Dashboard. Under Payment methods, click Add and select Fund cash balance (testmode only).

Handling temporary availability issues

The following error codes indicate temporary issues with the availability of the payment method:

Code	Description	Handling
`payment_method_rate_limit_exceeded`	Too many requests were made in quick succession for this payment method, which has stricter limits than the API-wide rate limits.	These errors can persist for several API requests when many of your customers try to use the same payment method, such as during an ongoing sale on your website. In this case, ask your customers to choose a different payment method.

注意

If you anticipate heavy usage in general or because of an upcoming event, contact us as soon as you know about it.