Accept an iDEAL payment

First, you need a Stripe account. Register now.

Server-side

This integration requires endpoints on your server that talk to the Stripe API. Use the official libraries for access to the Stripe API from your server:

# Available as a gem
sudo gem install stripe

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

Client-side

The Stripe iOS SDK is open source, fully documented, and compatible with apps supporting iOS 13 or above.

Configure the SDK with your Stripe publishable key on app start. This enables your app to make requests to the Stripe API.

import UIKit
import StripePaymentsUI

@main
class AppDelegate: UIResponder, UIApplicationDelegate {

    func application(_ application: UIApplication, didFinishLaunchingWithOptions launchOptions: [UIApplication.LaunchOptionsKey: Any]?) -> Bool {
        StripeAPI.defaultPublishableKey = 
"pk_test_TYooMQauvdEDq54NiTphI7jx"
        // do any other necessary launch configuration
        return true
    }
}

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.

Server-side

First, create a PaymentIntent on your server and specify the amount to collect and the eur currency (iDEAL doesn’t support other currencies). iDEAL doesn’t have a minimum charge amount, so the payment amount value can be as low as 1. If you already have an integration using the Payment Intents API, add ideal to the list of payment method types for your PaymentIntent.

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]"=ideal

Instead of passing the entire PaymentIntent object to your app, you only need to return its client secret. The PaymentIntent’s client secret is a unique key that lets you confirm the payment and update payment details on the client, without allowing manipulation of sensitive information, like payment amount.

Client-side

On the client, request a PaymentIntent from your server and store its client secret.

class CheckoutViewController: UIViewController {
    var paymentIntentClientSecret: String?

    func startCheckout() {
        // Request a PaymentIntent from your server and store its client secret
    }
}

In your app, collect your customer’s full name. Create an STPPaymentIntentParams object with this detail.

let billingDetails = STPPaymentMethodBillingDetails()
billingDetails.name = "Jane Doe"

Retrieve the client secret from the PaymentIntent you created in step 2 and call STPPaymentHandler confirmPayment. This presents a webview where the customer can complete the payment on their bank’s website or app, which calls the completion block with the result of the payment.

let paymentIntentParams = STPPaymentIntentParams(clientSecret: paymentIntentClientSecret)
paymentIntentParams.paymentMethodParams = STPPaymentMethodParams(billingDetails: billingDetails,
                                                                 metadata: nil)

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

    case .canceled:
        // Payment was cancelled

    case .failed:
        // Payment failed

    @unknown default:
        fatalError()
    }
}

Use your test API keys to confirm the PaymentIntent. After confirming, you’re redirected to a test page with options to authorise or fail the payment.

• Click Authorize test payment to test the case when the payment is successful. The PaymentIntent transitions from requires_action to succeeded.
• Click Fail test payment to test the case when the customer fails to authenticate. The PaymentIntent transitions from requires_action to requires_payment_method.