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Use iDEAL to set up future SEPA Direct Debit payments

Learn how to save bank details from an iDEAL payment and charge your customers later with SEPA Direct Debit.

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Caution

We recommend that you follow the Set up future payments guide. If you’ve already integrated with Elements, see the Payment Element migration guide.

iDEAL is a single use payment method where customers are required to authenticate each payment. With this integration, Stripe charges your customer 0.01 EUR through iDEAL to collect their bank details. After your customer authenticates the payment, Stripe refunds the payment and stores your customer’s IBAN in a SEPA Direct Debit payment method. You can then use the SEPA Direct Debit PaymentMethod to accept payments or set up a subscription.

Caution

To use iDEAL to set up SEPA Direct Debit payments, you must activate SEPA Direct Debit in the Dashboard. You must also comply with the iDEAL Terms of Service and SEPA Direct Debit Terms of Service.

Setting up future SEPA Direct Debit payments using iDEAL in your app consists of creating a SetupIntent to track the process, collecting mandate acknowledgement, and redirecting your customer to iDEAL. Stripe uses the SetupIntent to track and handle all the states of the setup until the setup completes.

Set up Stripe
Server-side
Client-side

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:

Command Line
# Available as a gem
sudo gem install stripe
Gemfile
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'

Client-side

The Stripe Android SDK is open source and fully documented.

To install the SDK, add stripe-android to the dependencies block of your app/build.gradle file:

build.gradle.kts
plugins {
    id("com.android.application")
}

android { ... }

dependencies {
  // ...

  // Stripe Android SDK
  implementation("com.stripe:stripe-android:21.11.1")
  // Include the financial connections SDK to support US bank account as a payment method
  implementation("com.stripe:financial-connections:21.11.1")
}

Note

For details on the latest SDK release and past versions, see the Releases page on GitHub. To receive notifications when a new release is published, watch releases for the repository.

Configure the SDK with your Stripe publishable key so that it can make requests to the Stripe API, such as in your Application subclass:

import com.stripe.android.PaymentConfiguration

class MyApp : Application() {
    override fun onCreate() {
        super.onCreate()
        PaymentConfiguration.init(
            applicationContext,
            
"pk_test_TYooMQauvdEDq54NiTphI7jx"

        )
    }
}

Note

Use your test keys while you test and develop, and your live mode keys when you publish your app.

Stripe samples also use OkHttp and GSON to make HTTP requests to a server.

Create a Customer
Server-side

Create a Customer when they create an account with your business and associate it with your internal representation of their account. This enables you to retrieve and use their saved payment method details later.

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

Create a SetupIntent
Server-side

Create a SetupIntent with the Customer’s ID and set payment_method_types to ideal. The SetupIntent tracks the steps of the set-up process. For iDEAL, this includes collecting a SEPA Direct Debit mandate from the customer and tracking its validity.

Command Line
curl https://api.stripe.com/v1/setup_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "payment_method_types[]"=ideal \
  -d customer={{CUSTOMER_ID}}

Collect payment method details and mandate acknowledgement
Client-side

In your app, collect your customer’s full name and email address. Create a PaymentMethodCreateParams object with these details.

val billingDetails = PaymentMethod.BillingDetails(name = "Jenny Rosen", email = "jenny.rosen@example.com")
val ideal = PaymentMethodCreateParams.Ideal(null)
val paymentMethodCreateParams = PaymentMethodCreateParams.create(ideal, billingDetails)

​​To process SEPA Direct Debit payments, you must collect a mandate agreement from your customer. Display the following standard authorization text for your customer to implicitly sign the mandate.

Replace Rocket Rides with your company name.

Authorization text template

By providing your payment information and confirming this payment, you authorise (A) and Stripe, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with those instructions. As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank. You agree to receive notifications for future debits up to 2 days before they occur.

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​​Setting up a payment method creates the accepted mandate. As the customer has implicitly signed the mandate when accepting these terms, you must communicate these terms in your form or through email.

Submit the payment method details to Stripe
Client-side

Retrieve the client secret from the SetupIntent you created and call PaymentLauncher confirm. This presents a webview where the customer can complete the setup on their bank’s website or app. Afterwards, onPaymentResult is called with the result of the payment.

class IdealSetupActivity : AppCompatActivity() {
    // ...
    private lateinit var setupIntentClientSecret: String
    private val paymentLauncher: PaymentLauncher by lazy {
        PaymentLauncher.Companion.create(
            this,
            PaymentConfiguration.getInstance(applicationContext).publishableKey,
            PaymentConfiguration.getInstance(applicationContext).stripeAccountId,
            ::onPaymentResult
        )
    }

    private fun startCheckout() {
        // ...

        val confirmParams = ConfirmSetupIntentParams
                .create(
                  paymentMethodCreateParams = paymentMethodCreateParams,
                  clientSecret = setupIntentClientSecret
                )
        paymentLauncher.confirm(confirmParams)
    }

    private fun onPaymentResult(paymentResult: PaymentResult) {
        val message = when (paymentResult) {
            is PaymentResult.Completed -> {
                "Completed!"
            }
            is PaymentResult.Canceled -> {
                "Canceled!"
            }
            is PaymentResult.Failed -> {
                // This string comes from the PaymentIntent's error message.
                // See here: https://stripe.com/docs/api/payment_intents/object#payment_intent_object-last_payment_error-message
                "Failed: " + paymentResult.throwable.message
            }
        }
    }
}

Charge the SEPA Direct Debit PaymentMethod later

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.

Command Line
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.

Command Line
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

Test your integration

Using your test API keys to confirm the SetupIntent. 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. The SetupIntent transitions from requires_action to succeeded.
  • Click Fail test payment to test the case when the customer fails to authenticate. The SetupIntent transitions from requires_action to requires_payment_method.

Test your SEPA Direct Debit integration

Set payment_method.billing_details.email to one of the following values to test the PaymentIntent status transitions. You can include your own custom text at the beginning of the email address followed by an underscore. For example, test_1_generatedSepaDebitIntentsFail@example.com results in a SEPA Direct Debit PaymentMethod that always fails when used with a PaymentIntent.

Email AddressDescription
generatedSepaDebitIntentsSucceed@example.comThe PaymentIntent status transitions from processing to succeeded.
generatedSepaDebitIntentsSucceedDelayed@example.comThe PaymentIntent status transitions from processing to succeeded after at least three minutes.
generatedSepaDebitIntentsFail@example.comThe PaymentIntent status transitions from processing to requires_payment_method.
generatedSepaDebitIntentsFailDelayed@example.comThe PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.
generatedSepaDebitIntentsSucceedDisputed@example.comThe PaymentIntent status transitions from processing to succeeded, but a dispute is created immediately.

See also

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