Use iDEAL to set up future SEPA Direct Debit payments

Server-side

This integration requires endpoints on your server that talk to the Stripe API. Use our 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 React Native SDK is open source and fully documented. Internally, it uses the native iOS and Android SDKs. To install Stripe’s React Native SDK, run one of the following commands in your project’s directory (depending on which package manager you use):

yarn add @stripe/stripe-react-native

Next, install some other necessary dependencies:

• For iOS, navigate to the ios directory and run pod install to ensure that you also install the required native dependencies.
• For Android, there are no more dependencies to install.

Stripe initialization

To initialize Stripe in your React Native app, either wrap your payment screen with the StripeProvider component, or use the initStripe initialization method. Only the API publishable key in publishableKey is required. The following example shows how to initialize Stripe using the StripeProvider component.

import { StripeProvider } from '@stripe/stripe-react-native';

function App() {
  const [publishableKey, setPublishableKey] = useState('');

  const fetchPublishableKey = async () => {
    const key = await fetchKey(); // fetch key from your server here
    setPublishableKey(key);
  };

  useEffect(() => {
    fetchPublishableKey();
  }, []);

  return (
    <StripeProvider
      publishableKey={publishableKey}
      merchantIdentifier="merchant.identifier" // required for Apple Pay
      urlScheme="your-url-scheme" // required for 3D Secure and bank redirects
    >
      // Your app code here
    </StripeProvider>
  );
}

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.

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

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.

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

In your app, collect your customer’s full name, email address, and the name of their bank (for example, abn_amro).

export default function IdealPaymentScreen() {
  const [name, setName] = useState();
  const [bankName, setBankName] = useState();
  const [email, setEmai] = useState();

  const handlePayPress = async () => {
    // ...
  };

  return (
    <Screen>
      <TextInput
        placeholder="Email"
        onChange={(value) => setEmail(value.nativeEvent.text)}
      />
      <TextInput
        placeholder="Name"
        onChange={(value) => setName(value.nativeEvent.text)}
      />
      <TextInput
        placeholder="Bank name"
        onChange={(value) => setBankName(value.nativeEvent.text)}
      />
    </Screen>
  );
}

​​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.

​​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.

Retrieve the client secret from the SetupIntent you created and call confirmSetupIntent. This presents a webview where the customer can complete the setup on their bank’s website or app. Afterwards, the promise resolves with the result of the SetupIntent.

export default function IdealPaymentScreen() {
  const [name, setName] = useState();
  const [bankName, setBankName] = useState();
  const [email, setEmai] = useState();

  const handlePayPress = async () => {
    const billingDetails: PaymentMethodCreateParams.BillingDetails = {
      name: 'Jenny Rosen',
      email: 'jenny.rosen@example.com',
    };
  };

  const { error, setupIntent } = await confirmSetupIntent(clientSecret, {
    paymentMethodType: 'Ideal',
    paymentMethodData: {
      billingDetails,
      bankName,
    }
  });

  if (error) {
    Alert.alert(`Error code: ${error.code}`, error.message);
  } else if (setupIntent) {
    Alert.alert(
      'Success',
      `Setup intent created. Intent status: ${setupIntent.status}`
    );
  }

    return <Screen>{/* ... */}</Screen>;
}

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 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