Use iDEAL to set up future SEPA Direct Debit payments

To set up future SEPA Direct Debit payments using iDEAL, you must attach the SEPA Direct Debit payment method to a Customer.

Create a Customer object when your customer creates an account with your business. You can retrieve and use a customer’s stored payment method details later, if you associate the ID of the Customer object with your own internal representation of the customer.

curl -X POST https://api.stripe.com/v1/customers \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:"

This guide builds on the foundational set up future payments Checkout integration and describes how to enable iDEAL—it shows the differences between setting up future payments for cards and using iDEAL.

Enable iDEAL as a payment method

When creating a new Checkout Session, you need to add ideal to the list of payment_method_types.

Stripe::Checkout::Session.create({
  mode: 'setup',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'ideal'],
  customer: customer.id,
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

When you need to charge your customer again, create a new PaymentIntent. Find the ID of the SEPA Direct Debit payment method by retrieving the SetupIntent and expanding the latest_attempt field where you will find the generated_sepa_debit ID inside of payment_method_details.

curl -G https://api.stripe.com/v1/setup_intents/{{SETUP_INTENT_ID}} \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "expand[]"=latest_attempt

Create a PaymentIntent with the SEPA Direct Debit and Customer IDs.

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -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

Using your test API keys, select any bank from the list. After confirming, you’re redirected to a test page with options to authorize or fail the payment method setup.

• Click Authorize test payment to test the case when the setup is successful.
• Click Fail test payment to test the case when the customer fails to authenticate.