Accept a SEPA Direct Debit payment

To support SEPA Direct Debit payments in Checkout, Prices for all line items must be expressed in Euro (currency code eur).

Use this guide to learn how to enable SEPA Direct Debit – it shows the differences between accepting a card payment and using SEPA Direct Debit.

Enable SEPA Direct Debit as a payment method

When creating a new Checkout Session, you need to:

1. Add sepa_debit to the list of payment_method_types.
2. Make sure all your line_items use the eur currency.

Stripe::Checkout::Session.create({
  mode: 'payment',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'sepa_debit'],
  line_items: [{
    price_data: {
      currency: 'usd',
      # To accept `sepa_debit`, all line items must have currency: eur
      currency: 'eur',
      product_data: {
        name: 'T-shirt',
      },
      unit_amount: 2000,
    },
    quantity: 1,
  }],
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Stripe provides several test numbers you can use to make sure your integration is ready for production.

Use the SEPA Direct Debit test numbers when testing your Checkout integration with SEPA Direct Debit.

Test IBANs

The refund period for SEPA Direct Debit is up to 180 days after the original payment.

Customers can dispute a payment through their bank up to 13 months after the original payment and there’s no appeal process.

Learn more about SEPA Direct Debit disputes.