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_4eC39HqLyjWDarjtT1zdp7dc
:"

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_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -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_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -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 authorise 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.