Satispay payments

Satispay is a stored value wallet payment method available to businesses in Italy. When customers select Satispay as their payment method, Stripe redirects them to Satispay’s website to finish the transaction. You’re paid immediately.

Payment flow

Below is a demonstration of the Satispay payment flow from your checkout page:

Get started

You don’t have to integrate Satispay and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable Satispay. To get started with one of our hosted UIs, follow a quickstart:

• Checkout: Our prebuilt, hosted checkout page.
• Elements: Our drop-in UI components.

Other payment products

The following Stripe products also let you add Satispay from the Dashboard:

• Payment Links

If your integration requires manually listing payment methods, learn how to manually configure Satispay as a payment.

Prohibited and restricted business categories

In addition to the categories of goods or services sold and businesses restricted from using Stripe overall, the following categories are prohibited from using Satispay:

• Automobile Associations
• Betting/Casino Gambling
• Civic, Social, Fraternal Associations
• Direct Marketing - Catalog Merchant
• Financial Institutions
• Government Services (Not Elsewhere Classified)
• Other categories at the discretion of Satispay

Disputes

Satispay has a claims process that allows transaction disputes. Customers can open disputes for cases of suspected fraud, double payments, or a difference between an order and a transaction amount.

After the customer initiates a dispute, Stripe notifies you using:

• Email
• The Stripe Dashboard
• An API charge.dispute.created event (if your integration is set up to receive webhooks)

Stripe holds back the disputed amount from your balance until Satispay resolves the dispute.

We request that you upload compelling evidence proving that you fulfilled the purchase order using the Stripe Dashboard. This evidence can include the:

• Tracking ID
• Shipping date
• Record of purchase for intangible goods, such as IP address or email receipt
• Record of purchase for services or physical goods, such as phone number or proof of receipt
• Record of refund (for purchase you’ve already refunded)

To handle disputes programmatically, respond to disputes using the API.

This information helps Satispay determine if a dispute is valid. Make sure the evidence you provide contains as much detail as possible from what the customer provided at checkout. You must submit the requested information within 12 calendar days. If Satispay resolves the dispute with you winning, we return the disputed amount to your Stripe balance. If Satispay rules in favor of the customer, the balance charge becomes permanent.

Refunds

Satispay supports full and partial refunds. The refund period is up to 180 days after the purchase. Refunds for Satispay payments are asynchronous and take up to 5 minutes to complete. Stripe notifies you of the final refund status using the refund.updated or refund.failed webhook event. When a refund succeeds, the Refund object’s status transitions to succeeded. If a refund fails, the Refund object’s status transitions to failed and we return the amount to your Stripe balance. You’ll then need to arrange an alternative way of providing your customer with a refund.

Connect

If you use Connect, you must consider the following before you enable and use Satispay.

Request Satispay capabilities for your connected accounts

Set the satispay_payments capability to active on your platform account, and on any connected accounts you want to enable Satispay for. You can also request more account capabilities.

Merchant of record and statement descriptors

The charge type of Connect payments might change the default statement descriptor and the merchant name that appears on the customer’s banking application and confirmation emails.

Supported currencies

You can create Satispay payments in the currencies that map to your country. The default local currency for Satispay is eur.