# Migrate to EUR bank transfers from SEPA Credit Transfers with Invoicing or Billing

Learn how to migrate SEPA Credit Transfers with Invoicing or Billing to Stripe EUR Bank Transfers.

> We deprecated the Sources API and plan to remove support for local payment methods. If you currently integrate with ACH Credit Transfers, you must [migrate to the Payment Methods API](https://docs.stripe.com/payments/payment-methods/transitioning.md).
> 
> For information about migrating to USD Bank Transfer supported by the current APIs, refer to the documentation below.

See [migrating from Sources-based SEPA Credit Transfers](https://docs.stripe.com/payments/customer-balance/migrating-from-sepa-credit-transfer.md) if you want to learn about the reasons to migrate.

## Before you begin

Confirm if you’re currently using the *legacy* (Technology that's no longer recommended) SEPA Credit Transfers product using the Dashboard or the API:

#### Dashboard

If SEPA Credit Transfer is toggled on in your [Invoice Template Settings](https://dashboard.stripe.com/settings/billing/invoice), then you’re using SEPA Credit Transfers.

If you have ever turned on SEPA Credit Transfer for an invoice or subscription, then you’re using SEPA Credit Transfers.

#### API

- If you create invoices or subscriptions without passing explicit payment method types, check to see if SEPA Credit Transfer is toggled on in your [Invoice Template Settings](https://dashboard.stripe.com/settings/billing/invoice).
- If you create an invoice or subscription with explicit payment method types, check to see if you pass the `sepa_credit_transfer` type as part of the `payment_settings.payment_method_types` array.

If you’re not using SEPA Credit Transfers, you can skip this guide because it doesn’t apply to you.

## Activate EUR bank transfers

To turn on bank transfer payments, go to your [Payment methods settings](https://dashboard.stripe.com/settings/payment_methods).

## Optional: Test bank transfers with a single customer

To test bank transfers with an individual invoice or subscription before enabling bank transfers, use the Dashboard or API:

#### Dashboard

1. To create a new customer, go to the [Customers](https://dashboard.stripe.com/customers) tab, and click **Add Customer**.
1. After creating the customer, click the row of the customer to go to the customer view page.
1. Create an invoice or subscription for the applicable customer by clicking **Actions**.
1. Under the **Payment Collection** section, add **SEPA credit transfer**, and confirm the invoice or subscription. If you’re testing subscriptions, you need to wait for a new invoice to be issued or use [Billing test-clocks](https://docs.stripe.com/billing/testing/test-clocks.md).
1. From the Invoice view page, go to the Details section, and click the **Payment page**.
1. In the hosted payment page, find the Credit Transfer bank details. Make note of these details.
1. On the same customer, create another invoice or subscription. Under the Payment Collection section, click **add Bank transfer**, and confirm the invoice or subscription.
1. Open the payment page of the bank transfer invoice, and compare the bank details with the Credit Transfer bank details you noted earlier. The migration is now complete.

#### API

> If you previously had SEPA Credit Transfer toggled on in your [Invoice Template Settings](https://dashboard.stripe.com/settings/billing/invoice), and you were creating invoices or subscriptions without passing the [payment_settings.payment_method_types](https://docs.stripe.com/api/invoices/create.md#create_invoice-payment_settings-payment_method_types) parameter, you’ll now need to explicitly list payment_method_types in your new integration to include `customer_balance` as a payment method type as part of migrating to EUR Bank Transfers.

1. Create a test customer:

   ```curl
   curl https://api.stripe.com/v1/customers \
     -u "<<YOUR_SECRET_KEY>>:" \
     -d name="Jenny Rosen" \
     --data-urlencode email="jenny.rosen@example.com"
   ```

1. Create a Credit Transfer invoice or subscription for the above customer by explicitly passing the `sepa_credit_transfer` payment method type:

   ```curl
   curl https://api.stripe.com/v1/invoiceitems \
     -u "<<YOUR_SECRET_KEY>>:" \
     -d amount=1234 \
     -d currency=eur \
     -d customer="$CUSTOMER_ID" \
     -d description="Professional services"
   ```

   ```curl
   curl https://api.stripe.com/v1/invoices \
     -u "<<YOUR_SECRET_KEY>>:" \
     -d customer="$CUSTOMER_ID" \
     -d "payment_settings[payment_method_types][]"=sepa_credit_transfer \
     -d collection_method=send_invoice
   ```

   ```curl
   curl -X POST https://api.stripe.com/v1/invoices/$INVOICE_ID/finalize \
     -u "<<YOUR_SECRET_KEY>>:"
   ```

   Or for the Subscriptions API:

   ```curl
   curl https://api.stripe.com/v1/prices \
     -u "<<YOUR_SECRET_KEY>>:" \
     -d unit_amount=1234 \
     -d currency=eur \
     -d "recurring[interval]"=month \
     -d "product_data[name]"=shoes
   ```

   ```curl
   curl https://api.stripe.com/v1/subscriptions \
     -u "<<YOUR_SECRET_KEY>>:" \
     -d customer="$CUSTOMER_ID" \
     -d "items[0][price]"="$PRICE_ID" \
     -d collection_method=send_invoice \
     -d days_until_due=30 \
     -d "payment_settings[payment_method_types][0]"=sepa_credit_transfer
   ```

   If testing Subscriptions, you must wait for the subscription to generate and finalize its first invoice. Use [Billing test-clocks](https://docs.stripe.com/billing/testing/test-clocks.md) to speed up this process.

1. View the PDF or Hosted Invoice Page of the invoice to make note of the customer’s Credit Transfer bank details.

1. Build the new Bank Transfers integration on [Invoicing](https://docs.stripe.com/invoicing/bank-transfer.md) or [Subscriptions](https://docs.stripe.com/billing/subscriptions/bank-transfer.md) using the bank transfer integration guide. You must use the same test customer created above when following the guide.

   Your integration now supports Bank Transfers, in addition to the existing implementation on Sources.

1. After you [test](https://docs.stripe.com/invoicing/bank-transfer.md#testing) and confirm that the integration works with the test customer, open the PDF or Hosted Invoice Page of the bank transfer invoice. Confirm the bank transfer bank details match the Credit Transfer bank details.

   The customer migration is now complete.

## Turn on bank transfers for single customers in livemode

After you’ve tested on an individual customer in a *sandbox* (A sandbox is an isolated test environment that allows you to test Stripe functionality in your account without affecting your live integration. Use sandboxes to safely experiment with new features and changes), attach the payment method on individual invoices or subscriptions in live mode. Bank Transfers is currently not configurable in [Invoice Template Settings](https://dashboard.stripe.com/settings/billing/invoice), and can’t be enabled by default on all invoices or subscriptions. To include Bank Transfers as a payment method on an invoice, you’ll need to explicitly attach the payment method on individual invoices or subscriptions in live mode.