# Accept a SEPA Direct Debit payment

Learn to accept SEPA Direct Debit payments.

# Checkout

> This is a Checkout for when payment-ui is checkout. View the full page at https://docs.stripe.com/payments/sepa-debit/accept-a-payment?payment-ui=checkout.

> Stripe puede presentar automáticamente los métodos de pago pertinentes a tus clientes evaluando la moneda, las restricciones de los métodos de pago y otros parámetros.
> 
> - Sigue la guía [Aceptar un pago](https://docs.stripe.com/payments/accept-a-payment.md?payment-ui=checkout&ui=stripe-hosted) para crear una integración de Checkout que utilice [métodos de pago dinámicos](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md).
- Si no quieres utilizar métodos de pago dinámicos, sigue los pasos que se indican a continuación para configurar manualmente los métodos de pago en tu integración de Checkout.

Accepting SEPA Direct Debit payments on your website consists of creating an object to track a payment, collecting payment method information and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses this payment object, the PaymentIntent, to track and handle all the states of the payment until the payment completes.

> SEPA Direct Debit es un **método de pago de notificación diferida**, lo que significa que los fondos no están disponibles inmediatamente después del pago. El pago suele tardar unos **5 business days** en llegar a tu cuenta.

## Determina la compatibilidad

**Ubicaciones de empresas aceptadas**: Europe, US, CA, NZ, SG, HK, JP, AU, MX

**Divisas aceptadas**: `eur`

**Divisas de pago**: `eur`

**Modo de pago**: Yes

**Modo de configuración**: Yes

**Modo de suscripción**: Yes

To support SEPA Direct Debit payments in Checkout, *Prices* (Prices define how much and how often to charge for products. This includes how much the product costs, what currency to use, and the interval if the price is for subscriptions) for all line items must be expressed in Euro (currency code `eur`).

## Aceptar un pago

> Esta guía se basa en la integración fundamental de [aceptar un pago](https://docs.stripe.com/payments/accept-a-payment.md?ui=stripe-hosted) en Checkout.

Use this guide to learn how to enable SEPA Direct Debit—it shows the differences between accepting payments using dynamic payment methods and manually configuring payment methods.

### Enable SEPA Direct Debit as a payment method

When creating a new [Checkout Session](https://docs.stripe.com/api/checkout/sessions.md), you need to:

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

#### Página alojada en Stripe

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "line_items[0][price_data][currency]=eur" \
  -d "line_items[0][price_data][product_data][name]=T-shirt" \
  -d "line_items[0][price_data][unit_amount]=2000" \
  -d "line_items[0][quantity]=1" \
  -d mode=payment \
  -d "payment_method_types[0]=card" \
  -d "payment_method_types[1]=sepa_debit" \
  --data-urlencode "success_url=https://example.com/success"
```

#### Formulario integrado

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "line_items[0][price_data][currency]=eur" \
  -d "line_items[0][price_data][product_data][name]=T-shirt" \
  -d "line_items[0][price_data][unit_amount]=2000" \
  -d "line_items[0][quantity]=1" \
  -d mode=payment \
  -d "payment_method_types[0]=card" \
  -d "payment_method_types[1]=sepa_debit" \
  --data-urlencode "return_url=https://example.com/return" \
  -d ui_mode=embedded_page
```

### Completa tus pedidos

Después de aceptar un pago, descubre cómo [completar los pedidos](https://docs.stripe.com/checkout/fulfillment.md).

## Prueba tu integración

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

##### Test IBANs

Use these test IBANs with the Payment Element to test your SEPA Direct Debit integration. The Payment Element automatically validates the IBAN and displays the mandate when you enter one of these test values.

### AT

| Account Number       | Token                               | Description                                                                                                                                          |
| -------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| AT611904300234573201 | pm_success_at                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| AT321904300235473204 | pm_successDelayed_at                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| AT861904300235473202 | pm_failed_at                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| AT051904300235473205 | pm_failedDelayed_at                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| AT591904300235473203 | pm_disputed_at                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| AT981904300000343434 | pm_exceedsWeeklyVolumeLimit_at      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| AT601904300000121212 | pm_exceedsWeeklyTransactionLimit_at | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| AT981904300002222227 | pm_insufficientFunds_at             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### BE

| Account Number   | Token                               | Description                                                                                                                                          |
| ---------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| BE62510007547061 | pm_success_be                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| BE78510007547064 | pm_successDelayed_be                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| BE68539007547034 | pm_failed_be                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| BE51510007547065 | pm_failedDelayed_be                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| BE08510007547063 | pm_disputed_be                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| BE90510000343434 | pm_exceedsWeeklyVolumeLimit_be      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| BE52510000121212 | pm_exceedsWeeklyTransactionLimit_be | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| BE90510002222227 | pm_insufficientFunds_be             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### HR

| Account Number        | Token                               | Description                                                                                                                                          |
| --------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| HR7624020064583467589 | pm_success_hr                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| HR6323600002337876649 | pm_successDelayed_hr                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| HR2725000096983499248 | pm_failed_hr                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| HR6723600004878117427 | pm_failedDelayed_hr                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| HR8724840081455523553 | pm_disputed_hr                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| HR7424020060000343434 | pm_exceedsWeeklyVolumeLimit_hr      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| HR3624020060000121212 | pm_exceedsWeeklyTransactionLimit_hr | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| HR7424020060002222227 | pm_insufficientFunds_hr             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### EE

| Account Number       | Token                               | Description                                                                                                                                          |
| -------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| EE382200221020145685 | pm_success_ee                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| EE222200221020145682 | pm_successDelayed_ee                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| EE762200221020145680 | pm_failed_ee                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| EE922200221020145683 | pm_failedDelayed_ee                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| EE492200221020145681 | pm_disputed_ee                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| EE672200000000343434 | pm_exceedsWeeklyVolumeLimit_ee      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| EE292200000000121212 | pm_exceedsWeeklyTransactionLimit_ee | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| EE672200000002222227 | pm_insufficientFunds_ee             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### FI

| Account Number     | Token                               | Description                                                                                                                                          |
| ------------------ | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| FI2112345600000785 | pm_success_fi                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| FI3712345600000788 | pm_successDelayed_fi                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| FI9112345600000786 | pm_failed_fi                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| FI1012345600000789 | pm_failedDelayed_fi                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| FI6412345600000787 | pm_disputed_fi                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| FI6712345600343434 | pm_exceedsWeeklyVolumeLimit_fi      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| FI2912345600121212 | pm_exceedsWeeklyTransactionLimit_fi | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| FI6712345602222227 | pm_insufficientFunds_fi             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### FR

| Account Number              | Token                               | Description                                                                                                                                          |
| --------------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| FR1420041010050500013M02606 | pm_success_fr                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| FR3020041010050500013M02609 | pm_successDelayed_fr                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| FR8420041010050500013M02607 | pm_failed_fr                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| FR7920041010050500013M02600 | pm_failedDelayed_fr                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| FR5720041010050500013M02608 | pm_disputed_fr                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| FR9720041010050000000343434 | pm_exceedsWeeklyVolumeLimit_fr      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| FR5920041010050000000121212 | pm_exceedsWeeklyTransactionLimit_fr | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| FR9720041010050000002222227 | pm_insufficientFunds_fr             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### DE

| Account Number         | Token                               | Description                                                                                                                                          |
| ---------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| DE89370400440532013000 | pm_success_de                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| DE08370400440532013003 | pm_successDelayed_de                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| DE62370400440532013001 | pm_failed_de                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| DE78370400440532013004 | pm_failedDelayed_de                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| DE35370400440532013002 | pm_disputed_de                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| DE65370400440000343434 | pm_exceedsWeeklyVolumeLimit_de      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| DE27370400440000121212 | pm_exceedsWeeklyTransactionLimit_de | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| DE65370400440002222227 | pm_insufficientFunds_de             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### GI

| Account Number          | Token                               | Description                                                                                                                                          |
| ----------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| GI60MPFS599327643783385 | pm_success_gi                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| GI08RRNW626436291644533 | pm_successDelayed_gi                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| GI41SAFA461293238477751 | pm_failed_gi                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| GI50LROG772261344693297 | pm_failedDelayed_gi                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| GI26KJBC361883934534696 | pm_disputed_gi                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| GI14NWBK000000000343434 | pm_exceedsWeeklyVolumeLimit_gi      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| GI73NWBK000000000121212 | pm_exceedsWeeklyTransactionLimit_gi | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| GI14NWBK000000002222227 | pm_insufficientFunds_gi             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### IE

| Account Number         | Token                               | Description                                                                                                                                          |
| ---------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| IE29AIBK93115212345678 | pm_success_ie                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| IE24AIBK93115212345671 | pm_successDelayed_ie                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| IE02AIBK93115212345679 | pm_failed_ie                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| IE94AIBK93115212345672 | pm_failedDelayed_ie                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| IE51AIBK93115212345670 | pm_disputed_ie                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| IE10AIBK93115200343434 | pm_exceedsWeeklyVolumeLimit_ie      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| IE69AIBK93115200121212 | pm_exceedsWeeklyTransactionLimit_ie | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| IE10AIBK93115202222227 | pm_insufficientFunds_ie             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### LI

| Account Number        | Token                               | Description                                                                                                                                          |
| --------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| LI0508800636123378777 | pm_success_li                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| LI4408800387787111369 | pm_successDelayed_li                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| LI1208800143823175626 | pm_failed_li                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| LI4908800356441975566 | pm_failedDelayed_li                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| LI7708800125525347723 | pm_disputed_li                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| LI2408800000000343434 | pm_exceedsWeeklyVolumeLimit_li      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| LI8308800000000121212 | pm_exceedsWeeklyTransactionLimit_li | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| LI2408800000002222227 | pm_insufficientFunds_li             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### LT

| Account Number       | Token                               | Description                                                                                                                                          |
| -------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| LT121000011101001000 | pm_success_lt                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| LT281000011101001003 | pm_successDelayed_lt                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| LT821000011101001001 | pm_failed_lt                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| LT981000011101001004 | pm_failedDelayed_lt                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| LT551000011101001002 | pm_disputed_lt                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| LT591000000000343434 | pm_exceedsWeeklyVolumeLimit_lt      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| LT211000000000121212 | pm_exceedsWeeklyTransactionLimit_lt | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| LT591000000002222227 | pm_insufficientFunds_lt             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### LU

| Account Number       | Token                               | Description                                                                                                                                          |
| -------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| LU280019400644750000 | pm_success_lu                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| LU440019400644750003 | pm_successDelayed_lu                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| LU980019400644750001 | pm_failed_lu                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| LU170019400644750004 | pm_failedDelayed_lu                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| LU710019400644750002 | pm_disputed_lu                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| LU900010000000343434 | pm_exceedsWeeklyVolumeLimit_lu      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| LU520010000000121212 | pm_exceedsWeeklyTransactionLimit_lu | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| LU900010000002222227 | pm_insufficientFunds_lu             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### NL

| Account Number     | Token                               | Description                                                                                                                                          |
| ------------------ | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| NL39RABO0300065264 | pm_success_nl                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| NL55RABO0300065267 | pm_successDelayed_nl                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| NL91ABNA0417164300 | pm_failed_nl                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| NL28RABO0300065268 | pm_failedDelayed_nl                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| NL82RABO0300065266 | pm_disputed_nl                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| NL27RABO0000343434 | pm_exceedsWeeklyVolumeLimit_nl      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| NL86RABO0000121212 | pm_exceedsWeeklyTransactionLimit_nl | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| NL55RABO0300065267 | pm_insufficientFunds_nl             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### NO

| Account Number  | Token                               | Description                                                                                                                                          |
| --------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| NO9386011117947 | pm_success_no                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| NO8886011117940 | pm_successDelayed_no                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| NO6686011117948 | pm_failed_no                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| NO6186011117941 | pm_failedDelayed_no                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| NO3986011117949 | pm_disputed_no                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| NO0586010343434 | pm_exceedsWeeklyVolumeLimit_no      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| NO0586010343434 | pm_exceedsWeeklyTransactionLimit_no | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| NO0586012222227 | pm_insufficientFunds_no             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### PT

| Account Number            | Token                               | Description                                                                                                                                          |
| ------------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| PT50000201231234567890154 | pm_success_pt                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| PT66000201231234567890157 | pm_successDelayed_pt                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| PT23000201231234567890155 | pm_failed_pt                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| PT39000201231234567890158 | pm_failedDelayed_pt                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| PT93000201231234567890156 | pm_disputed_pt                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| PT05000201230000000343434 | pm_exceedsWeeklyVolumeLimit_pt      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| PT64000201230000000121212 | pm_exceedsWeeklyTransactionLimit_pt | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| PT05000201230000002222227 | pm_insufficientFunds_pt             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### ES

| Account Number           | Token                               | Description                                                                                                                                          |
| ------------------------ | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| ES0700120345030000067890 | pm_success_es                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| ES2300120345030000067893 | pm_successDelayed_es                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| ES9121000418450200051332 | pm_failed_es                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| ES9300120345030000067894 | pm_failedDelayed_es                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| ES5000120345030000067892 | pm_disputed_es                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| ES1700120345000000343434 | pm_exceedsWeeklyVolumeLimit_es      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| ES7600120345000000121212 | pm_exceedsWeeklyTransactionLimit_es | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| ES1700120345000002222227 | pm_insufficientFunds_es             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### SE

| Account Number           | Token                               | Description                                                                                                                                          |
| ------------------------ | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| SE3550000000054910000003 | pm_success_se                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| SE5150000000054910000006 | pm_successDelayed_se                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| SE0850000000054910000004 | pm_failed_se                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| SE2450000000054910000007 | pm_failedDelayed_se                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| SE7850000000054910000005 | pm_disputed_se                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| SE2850000000000000343434 | pm_exceedsWeeklyVolumeLimit_se      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| SE8750000000000000121212 | pm_exceedsWeeklyTransactionLimit_se | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| SE2850000000000002222227 | pm_insufficientFunds_se             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### CH

| Account Number        | Token                               | Description                                                                                                                                          |
| --------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| CH9300762011623852957 | pm_success_ch                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| CH8656663438253651553 | pm_successDelayed_ch                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| CH5362200119938136497 | pm_failed_ch                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| CH1843597160341964438 | pm_failedDelayed_ch                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| CH1260378413965193069 | pm_disputed_ch                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| CH1800762000000343434 | pm_exceedsWeeklyVolumeLimit_ch      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| CH7700762000000121212 | pm_exceedsWeeklyTransactionLimit_ch | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| CH1800762000002222227 | pm_insufficientFunds_ch             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### GB

| Account Number         | Token                               | Description                                                                                                                                          |
| ---------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| GB82WEST12345698765432 | pm_success_gb                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| GB98WEST12345698765435 | pm_successDelayed_gb                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| GB55WEST12345698765433 | pm_failed_gb                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| GB71WEST12345698765436 | pm_failedDelayed_gb                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| GB28WEST12345698765434 | pm_disputed_gb                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| GB70WEST12345600343434 | pm_exceedsWeeklyVolumeLimit_gb      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| GB32WEST12345600121212 | pm_exceedsWeeklyTransactionLimit_gb | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| GB70WEST12345602222227 | pm_insufficientFunds_gb             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

## Gestiona los reembolsos y las disputas

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

Los *clientes* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) pueden disputar un pago a través de su banco hasta 13 meses después del pago original y no existe proceso de apelación.

Learn more about [SEPA Direct Debit disputes](https://docs.stripe.com/payments/sepa-debit.md#disputed-payments).

## Optional: Customize mandate references with a prefix

You can customize SEPA Direct Debit mandate references to simplify mandate identification. To do this, provide the optional `payment_method_options.sepa_debit.mandate_options.reference_prefix` value. We add the `reference_prefix` to the beginning of a unique sequence to ensure the entire reference remains unique.

The `reference_prefix` must meet these requirements:

- Maximum length: 12 characters
- Must begin with a number or an uppercase letter
- Allowed characters:
  - Uppercase letters
  - Numbers
  - Spaces
  - Special characters: `.`, `/`, `&`, `-`, `_`
- Can’t begin with `STRIPE`

Include any desired delimiter in the prefix, as we don’t add one by default. We trim trailing spaces to a maximum of one space. With a valid prefix, the resulting reference is always 24 characters long.

#### Payment Intent

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d currency=eur \
  -d amount=100 \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Setup Intent

```curl
curl https://api.stripe.com/v1/setup_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Checkout Session in Payment Mode

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d mode=payment \
  -d currency=eur \
  -d "line_items[0][price_data][currency]=eur" \
  -d "line_items[0][price_data][product_data][name]=Llama" \
  -d "line_items[0][price_data][unit_amount]=2000" \
  -d "line_items[0][quantity]=1" \
  -d "payment_method_types[0]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Checkout Session in Setup Mode

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d mode=setup \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

The generated reference looks like `EX4MPL3-19CNCI920C2M02O3`.

| Código de error                                | Message                                                                                                                                                                                                 |
| ---------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `invalid_sepa_mandate_reference_prefix_format` | The `reference_prefix` must be at most 12 characters long and can only contain uppercase letters, numbers, spaces, or the special characters `/`, `_`, `-`, `&`, and `.`. It can’t begin with `STRIPE`. |

## Optional: Configure customer debit date

You can control the date that Stripe debits a customer’s bank account using the [target date](https://docs.stripe.com/api/checkout/sessions/object.md#checkout_session_object-payment_method_options-sepa_debit-target_date). The target date must be at least three days in the future and no more than 15 days from the current date.

The target date schedules money to leave the customer’s account on the target date.

Target dates that meet one of the following criteria delay the debit until the next available business day:

- Target date falls on a weekend, a bank holiday, or other non-business day.
- Target date is fewer than three business days in the future.

This parameter operates on a best-effort basis. Each customer’s bank might process debits on different dates, depending on local bank holidays or other reasons.


# React Native

> This is a React Native for when payment-ui is mobile and platform is react-native. View the full page at https://docs.stripe.com/payments/sepa-debit/accept-a-payment?payment-ui=mobile&platform=react-native.

> Te recomendamos que sigas la guía [Aceptar un pago](https://docs.stripe.com/payments/accept-a-payment.md) a menos que necesites usar la confirmación manual del lado del servidor o que tu integración requiera que presentes los métodos de pago de forma separada. Si ya has hecho la integración con Elements, consulta la [guía de migración de Payment Elements](https://docs.stripe.com/payments/payment-element/migration.md).

Accepting SEPA Direct Debit payments on your website consists of creating an object to track a payment, collecting payment method information and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses this payment object, the PaymentIntent, to track and handle all the states of the payment until the payment completes.

You can also set up a SEPA Direct Debit *PaymentMethod* (PaymentMethods represent your customer's payment instruments, used with the Payment Intents or Setup Intents APIs) by having your customer authenticate their bank details with [Bancontact](https://docs.stripe.com/payments/bancontact/save-during-payment.md) or [iDEAL](https://docs.stripe.com/payments/ideal/save-during-payment.md).

## Configurar Stripe [Lado del servidor] [Lado del cliente]

### Lado del servidor

Esta integración necesita puntos de conexión en tu servidor que se comuniquen con la API de Stripe. Usa nuestras librerías oficiales para acceder a la API de Stripe desde tu servidor:

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

### Lado del cliente

El [SDK para React Native](https://github.com/stripe/stripe-react-native) es de código abierto y está plenamente documentado. Internamente, utiliza el SDK de [iOS nativo](https://github.com/stripe/stripe-ios) y [Android](https://github.com/stripe/stripe-android). Para instalar el SDK para React Native de Stripe, ejecuta uno de los siguientes comandos en el directorio del proyecto (en función del administrador de paquetes que utilices):

#### hilado

```bash
yarn add @stripe/stripe-react-native
```

#### npm

```bash
npm install @stripe/stripe-react-native
```

A continuación, instala otras dependencias necesarias:

- Para iOS, navega hasta el directorio de **ios** y ejecuta `pod install` para asegurarte de instalar también las dependencias nativas necesarias.
- Para Android, no hay más dependencias para instalar.

> Recomendamos seguir la [guía oficial de TypeScript](https://reactnative.dev/docs/typescript#adding-typescript-to-an-existing-project) para añadir compatibilidad con TypeScript.

### Inicialización de Stripe

Para inicializar Stripe en tu aplicación React Native, ajusta tu pantalla de pago con el componente `StripeProvider` o usa el método de inicialización `initStripe`. Solo se requiere la [clave publicable](https://docs.stripe.com/keys.md#obtain-api-keys) de la API en `publishableKey`. El siguiente ejemplo muestra cómo inicializar Stripe mediante el componente `StripeProvider`.

```jsx
import { useState, useEffect } from 'react';
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>
  );
}
```

> Usa las [claves de prueba](https://docs.stripe.com/keys.md#obtain-api-keys) de la API durante las pruebas y las tareas de desarrollo, y las claves del [modo activo](https://docs.stripe.com/keys.md#test-live-modes) cuando publiques tu aplicación.

## Create or retrieve a Customer [Server-side]

Para reutilizar una cuenta de adeudo directo SEPA para pagos futuros, la cuenta debe estar asociada a un *Customer* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments).

Debes crear el objeto Customer cuando tu cliente crea una cuenta con tu empresa. Al asociar el ID del objeto Customer con tu propia representación interna de un cliente, podrás recuperar y usar los datos del método de pago guardado más adelante.

Create a new Customer or retrieve an existing Customer to associate with this payment. Include the following code on your server to create a new Customer.

```curl
curl -X POST https://api.stripe.com/v1/customers \
  -u "<<YOUR_SECRET_KEY>>:"
```

## Create a PaymentIntent [Server-side] [Lado del cliente]

### Server-side

A [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) is an object that represents your intent to collect payment from a customer and tracks the lifecycle of the payment process through each stage. First, create a PaymentIntent on your server and specify the amount to collect and the `eur` currency (SEPA Direct Debit doesn’t support other currencies). If you already have an integration using the [Payment Intents API](https://docs.stripe.com/payments/payment-intents.md), add `sepa_debit` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types) for your PaymentIntent. Specify the [id](https://docs.stripe.com/api/customers/object.md#customer_object-id) of the *Customer* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments).

To save the SEPA Direct Debit account for reuse, set the [setup_future_usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage) parameter to `off_session`. SEPA Direct Debit only accepts an `off_session` value for this parameter.

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d setup_future_usage=off_session \
  -d "customer={{CUSTOMER_ID}}" \
  -d "payment_method_types[]=sepa_debit" \
  -d "metadata[integration_check]=sepa_debit_accept_a_payment"
```

### Client-side 

On the client, request a PaymentIntent from your server and store its *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)).

```javascript
const fetchPaymentIntentClientSecret = async () => {
  const response = await fetch(`${API_URL}/create-payment-intent`, {
    method: 'POST',
    headers: {
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({
      email,
      currency: 'eur',
      payment_method_types: ['sepa_debit'],
    }),
  });
  const {clientSecret, error} = await response.json();

  return {clientSecret, error};
};
```

## Collect payment method details and mandate acknowledgment [Lado del cliente]

Collect the customer’s IBAN in your payment form and display the following standard authorization text for your customer to implicitly sign the mandate.

Muestra el siguiente texto estándar de autorización a tu cliente para que implícitamente firme el mandato.

Reemplaza *Rocket Rides* con el nombre de tu empresa

#### de

Durch Angabe Ihrer Zahlungsinformationen und der Bestätigung der vorliegenden Zahlung ermächtigen Sie (A)  und Stripe, unseren Zahlungsdienstleister, Ihrem Kreditinstitut Anweisungen zur Belastung Ihres Kontos zu erteilen, und (B) Ihr Kreditinstitut, Ihr Konto gemäß diesen Anweisungen zu belasten. Im Rahmen Ihrer Rechte haben Sie, entsprechend den Vertragsbedingungen mit Ihrem Kreditinstitut, Anspruch auf eine Rückerstattung von Ihrem Kreditinstitut. Eine Rückerstattung muss innerhalb von 8 Wochen ab dem Tag, an dem Ihr Konto belastet wurde, geltend gemacht werden. Eine Erläuterung Ihrer Rechte können Sie von Ihrem Kreditinstitut anfordern. Sie erklären sich einverstanden, Benachrichtigungen über künftige Belastungen bis spätestens 2 Tage vor dem Buchungsdatum zu erhalten.

#### en

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’re 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.

#### es

Al proporcionar sus datos de pago y confirmar este pago, usted autoriza a (A)  y Stripe, nuestro proveedor de servicios de pago, a enviar instrucciones a su banco para realizar un débito en su cuenta y (B) a su banco a realizar un cargo en su cuenta de conformidad con dichas instrucciones. Como parte de sus derechos, usted tiene derecho a un reembolso de su banco conforme a los términos y condiciones del contrato con su banco. El reembolso debe reclamarse en un plazo de 8 semanas a partir de la fecha en la que se haya efectuado el cargo en su cuenta. Sus derechos se explican en un extracto que puede obtener en su banco. Usted acepta recibir notificaciones de futuros débitos hasta 2 días antes de que se produzcan.

#### fi

Antamalla maksutiedot ja vahvistamalla tämän maksun, valtuutat (A)  ja Stripen, maksupalveluntarjoajamme, lähettämään ohjeet pankille tilisi veloittamiseksi ja (B) pankkisi veloittamaan tiliäsi kyseisten ohjeiden mukaisesti. Oikeuksiesi mukaisesti olet oikeutettu maksun palautukseen pankilta, kuten heidän kanssaan tekemässäsi sopimuksessa ja sen ehdoissa on kuvattu. Maksun palautus on lunastettava 8 viikon aikana alkaen päivästä, jolloin tiliäsi veloitettiin. Oikeutesi on selitetty pankilta saatavissa olevassa lausunnossa. Hyväksyt vastaanottamaan ilmoituksia tulevista veloituksista jopa kaksi päivää ennen niiden tapahtumista.

#### fr

En fournissant vos informations de paiement et en confirmant ce paiement, vous autorisez (A)  et Stripe, notre prestataire de services de paiement et/ou PPRO, son prestataire de services local, à envoyer des instructions à votre banque pour débiter votre compte et (B) votre banque à débiter votre compte conformément à ces instructions. Vous avez, entre autres, le droit de vous faire rembourser par votre banque selon les modalités et conditions du contrat conclu avec votre banque. La demande de remboursement doit être soumise dans un délai de 8 semaines à compter de la date à laquelle votre compte a été débité. Vos droits sont expliqués dans une déclaration disponible auprès de votre banque. Vous acceptez de recevoir des notifications des débits à venir dans les 2 jours précédant leur réalisation.

#### it

Fornendo i dati di pagamento e confermando il pagamento, l’utente autorizza (A)  e Stripe, il fornitore del servizio di pagamento locale, a inviare alla sua banca le istruzioni per eseguire addebiti sul suo conto e (B) la sua banca a effettuare addebiti conformemente a tali istruzioni. L’utente, fra le altre cose, ha diritto a un rimborso dalla banca, in base a termini e condizioni dell’accordo sottoscritto con l’istituto. Il rimborso va richiesto entro otto settimane dalla data dell’addebito sul conto. I diritti dell’utente sono illustrati in una comunicazione riepilogativa che è possibile richiedere alla banca. L’utente accetta di ricevere notifiche per i futuri addebiti fino a due giorni prima che vengano effettuati.

#### nl

Door je betaalgegevens door te geven en deze betaling te bevestigen, geef je (A)  en Stripe, onze betaaldienst, toestemming om instructies naar je bank te verzenden om het bedrag van je rekening af te schrijven, en (B) geef je je bank toestemming om het bedrag van je rekening af te schrijven conform deze aanwijzingen. Als onderdeel van je rechten kom je in aanmerking voor een terugbetaling van je bank conform de voorwaarden van je overeenkomst met de bank. Je moet terugbetalingen binnen acht weken claimen vanaf de datum waarop het bedrag is afgeschreven van je rekening. Je rechten worden toegelicht in een overzicht dat je bij de bank kunt opvragen. Je gaat ermee akkoord meldingen te ontvangen voor toekomstige afschrijvingen tot twee dagen voordat deze plaatsvinden.

Configurar un método de pago o confirmar un PaymentIntent crea el mandato aceptado. Dado que el cliente ha firmado el mandato implícitamente, debes comunicar estas condiciones en tu formulario o mediante correo electrónico.

```javascript
export default function SepaPaymentScreen() {
  const [email, setEmail] = useState('');
  const [iban, setIban] = useState('');

  return (
    <Screen>
      <TextInput
        placeholder="E-mail"
        keyboardType="email-address"
        onChange={(value) => setEmail(value.nativeEvent.text)}
        style={styles.input}
      />
      <TextInput
        placeholder="Iban"
        onChange={(value) => setIban(value.nativeEvent.text.toLowerCase())}
        style={styles.input}
      />
      <Button
        variant="primary"
        onPress={handlePayPress}
        title="Save IBAN"
        loading={loading}
      />
    </Screen>
  );
}
```

## Submit the payment to Stripe [Lado del cliente]

Retrieve the client secret from the PaymentIntent you created and call `confirmPayment`.

El secreto de cliente debe gestionarse con cuidado porque sirve para completar el cargo. No lo registres, no lo insertes en direcciones URL ni lo expongas a nadie excepto al cliente.

> `addressCountry` and `addressLine1` must be provided in the `billingDetails` for IBANs with the following country codes: AD, PF, TF, GI, GB, GG, VA, IM, JE, MC, NC, BL, PM, SM, CH, WF. See the [React Native SDK reference](https://stripe.dev/stripe-react-native/api-reference/interfaces/Address.html) for a complete list of address fields.

```javascript
export default function SepaPaymentScreen() {
  const [iban, setIban] = useState('');
  const {confirmPayment, loading} = useConfirmPayment();

  const handlePayPress = async () => {
    const {
      clientSecret,
      error: clientSecretError,
    } = await fetchPaymentIntentClientSecret();

    if (clientSecretError) {
      Alert.alert(`Error`, clientSecretError);
      return;
    }

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

    const {error, paymentIntent} = await confirmPayment(clientSecret, {
      paymentMethodType: 'SepaDebit',
      paymentMethodData: {
        billingDetails,
        iban,
      },
    });

    if (error) {
      Alert.alert(`Error code: ${error.code}`, error.message);
    } else if (paymentIntent) {
      if (paymentIntent.status === PaymentIntents.Status.Processing) {
        Alert.alert(
          'Processing',
          `The debit has been successfully submitted and is now processing.`,
        );
      } else if (paymentIntent.status === PaymentIntents.Status.Succeeded) {
        Alert.alert(
          'Success',
          `The payment was confirmed successfully! currency: ${paymentIntent.currency}`,
        );
      } else {
        Alert.alert('Payment status:', paymentIntent.status);
      }
    }
  };

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

## Confirm the PaymentIntent succeeded

SEPA Direct Debit is a [delayed notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) payment method, so funds aren’t immediately available. When the payment has been submitted successfully, the PaymentIntent status is updated from `requires_confirmation` to `processing`. After the payment has succeeded, the PaymentIntent status is updated from `processing` to `succeeded`.

The following events are sent when the PaymentIntent status is updated:

| Event                           | Description                                                  | Next steps                                                                                  |
| ------------------------------- | ------------------------------------------------------------ | ------------------------------------------------------------------------------------------- |
| `payment_intent.processing`     | The customer’s payment was submitted to Stripe successfully. | Espera hasta saber si el pago iniciado se ha hecho efectivo o no.                           |
| `payment_intent.succeeded`      | El pago del cliente se ha realizado correctamente.           | Fulfill the goods or services that the customer purchased.                                  |
| `payment_intent.payment_failed` | The customer’s payment was declined.                         | Contact the customer through email or push notification and request another payment method. |

We recommend [using webhooks](https://docs.stripe.com/payments/payment-intents/verifying-status.md#webhooks) to *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) the charge has succeeded and to notify the customer that the payment is complete.

Note that because [setup_future_usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage) and [customer](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-customer) were set, the PaymentMethod will be attached to the Customer object once the payment enters the `processing` state. This attachment happens regardless of whether payment eventually succeeds or fails.

## Probar la integración

You can test your form using the [SEPA Direct Debit test account numbers](https://docs.stripe.com/testing.md?payment-method=sepa-direct-debit) with your [confirmPayment](https://stripe.dev/stripe-react-native/api-reference/functions/confirmPayment.html) request. The payment method details are successfully collected for each IBAN, but exhibit different behavior when charged.

## Optional: Customize mandate references with a prefix

You can customize SEPA Direct Debit mandate references to simplify mandate identification. To do this, provide the optional `payment_method_options.sepa_debit.mandate_options.reference_prefix` value. We add the `reference_prefix` to the beginning of a unique sequence to ensure the entire reference remains unique.

The `reference_prefix` must meet these requirements:

- Maximum length: 12 characters
- Must begin with a number or an uppercase letter
- Allowed characters:
  - Uppercase letters
  - Numbers
  - Spaces
  - Special characters: `.`, `/`, `&`, `-`, `_`
- Can’t begin with `STRIPE`

Include any desired delimiter in the prefix, as we don’t add one by default. We trim trailing spaces to a maximum of one space. With a valid prefix, the resulting reference is always 24 characters long.

#### Payment Intent

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d currency=eur \
  -d amount=100 \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Setup Intent

```curl
curl https://api.stripe.com/v1/setup_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Checkout Session in Payment Mode

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d mode=payment \
  -d currency=eur \
  -d "line_items[0][price_data][currency]=eur" \
  -d "line_items[0][price_data][product_data][name]=Llama" \
  -d "line_items[0][price_data][unit_amount]=2000" \
  -d "line_items[0][quantity]=1" \
  -d "payment_method_types[0]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Checkout Session in Setup Mode

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d mode=setup \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

The generated reference looks like `EX4MPL3-19CNCI920C2M02O3`.

| Código de error                                | Message                                                                                                                                                                                                 |
| ---------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `invalid_sepa_mandate_reference_prefix_format` | The `reference_prefix` must be at most 12 characters long and can only contain uppercase letters, numbers, spaces, or the special characters `/`, `_`, `-`, `&`, and `.`. It can’t begin with `STRIPE`. |


# Elements

> This is a Elements for when payment-ui is elements. View the full page at https://docs.stripe.com/payments/sepa-debit/accept-a-payment?payment-ui=elements.

> When processing SEPA Direct Debit payments using the Stripe [Creditor ID](https://docs.stripe.com/payments/sepa-debit.md#creditor-identifiers-creditor-id), we recommend you use the [prebuilt checkout page](https://docs.stripe.com/payments/sepa-debit/accept-a-payment.md?platform=checkout) to collect SEPA Direct Debit mandates.

Accepting SEPA Direct Debit payments on your website consists of creating an object to track a payment, collecting payment method information and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses this payment object, the PaymentIntent, to track and handle all the states of the payment until the payment completes.

You can also set up a SEPA Direct Debit *PaymentMethod* (PaymentMethods represent your customer's payment instruments, used with the Payment Intents or Setup Intents APIs) by having your customer authenticate their bank details with [Bancontact](https://docs.stripe.com/payments/bancontact/save-during-payment.md) or [iDEAL](https://docs.stripe.com/payments/ideal/save-during-payment.md).

## Configura Stripe [Lado del servidor]

Primero, necesitas una cuenta de Stripe. [Regístrate ahora](https://dashboard.stripe.com/register).

Usa nuestras bibliotecas oficiales para acceder a la API de Stripe desde tu aplicación:

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

## Crear o recuperar un cliente [Lado del servidor]

Para reutilizar una cuenta de adeudo directo SEPA para pagos futuros, la cuenta debe estar asociada a un *Customer* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments).

Debes crear el objeto Customer cuando tu cliente crea una cuenta con tu empresa. Al asociar el ID del objeto Customer con tu propia representación interna de un cliente, podrás recuperar y usar los datos del método de pago guardado más adelante.

Create a new Customer or retrieve an existing Customer to associate with this payment. Include the following code on your server to create a new Customer.

```curl
curl -X POST https://api.stripe.com/v1/customers \
  -u "<<YOUR_SECRET_KEY>>:"
```

## Crear un PaymentIntent [Lado del servidor]

A [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) is an object that represents your intent to collect payment from a customer and tracks the lifecycle of the payment process through each stage. First, create a PaymentIntent on your server and specify the amount to collect and the `eur` currency (SEPA Direct Debit doesn’t support other currencies). If you already have an integration using the [Payment Intents API](https://docs.stripe.com/payments/payment-intents.md), add `sepa_debit` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types) for your PaymentIntent. Specify the [id](https://docs.stripe.com/api/customers/object.md#customer_object-id) of the Customer.

To save the SEPA Direct Debit account for reuse, set the [setup_future_usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage) parameter to `off_session`. SEPA Direct Debit only accepts an `off_session` value for this parameter.

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1099 \
  -d currency=eur \
  -d setup_future_usage=off_session \
  -d "customer={{CUSTOMER_ID}}" \
  -d "payment_method_types[]=sepa_debit" \
  -d "metadata[integration_check]=sepa_debit_accept_a_payment"
```

## Recopila datos sobre el método de pago y reconocimiento de orden [Lado del cliente]

You’re ready to collect payment information on the client with [Stripe Elements](https://docs.stripe.com/payments/elements.md). Elements is a set of prebuilt UI components for collecting payment details.

Un Stripe Element contiene un iframe que envía la información del pago a Stripe de forma segura a través de una conexión HTTPS. Para que funcione la integración, la dirección de la página de finalización de compra también debe comenzar con https:// en lugar de http://.

Puedes probar tu integración sin usar HTTPS. [Habilítala](https://docs.stripe.com/security/guide.md#tls) cuando todo esté listo para aceptar pagos en el modo activo.

### Configura Stripe Elements

#### HTML + JS

Stripe Elements is automatically available as a feature of Stripe.js. Include the Stripe.js script on your payment page by adding it to the `head` of your HTML file. Always load Stripe.js directly from js.stripe.com to remain PCI compliant. Don’t include the script in a bundle or host a copy of it yourself.

```html
<head>
  <title>Submit Payment</title>
  <script src="https://js.stripe.com/dahlia/stripe.js"></script>
</head>
```

Create an instance of Elements with the following JavaScript on your payment page. Pass the `mode`, `currency`, and `amount` to enable the Payment Element to collect SEPA Direct Debit payment details:

```javascript
const stripe = Stripe('<<YOUR_PUBLISHABLE_KEY>>');
const options = {
  mode: 'payment',
  currency: 'eur',
  amount: 1099,
  // Automatically save the payment method for future payments
  setup_future_usage: 'off_session',
};
const elements = stripe.elements(options);
```

### Add the Payment Element

The Payment Element needs a place to live in your payment form. Create an empty DOM node (container) with a unique ID in your payment form. The Payment Element automatically displays the SEPA Direct Debit form and mandate acceptance text when SEPA Debit is enabled

```html
<form action="/charge" method="post" id="payment-form">
  <div id="payment-element">
    <!-- The Payment Element will be inserted here. -->
  </div>

  <!-- Add the client_secret from the PaymentIntent as a data attribute   -->
  <button id="submit-button" data-secret="{{CLIENT_SECRET}}">Submit Payment</button>

  <!-- Used to display form errors. -->
  <div id="error-message" role="alert"></div>
</form>
```

When the form loads, [create an instance](https://docs.stripe.com/js/elements_object/create_element?type=payment) of the Payment Element and mount it to the Element container. The Payment Element automatically collects the customer’s name, email, IBAN, and displays the mandate acceptance text:

```javascript
// Create and mount the Payment Element
const paymentElement = elements.create('payment');
paymentElement.mount('#payment-element');
```

#### React

Instala [React Stripe.js](https://www.npmjs.com/package/@stripe/react-stripe-js) y el [cargador de Stripe.js](https://www.npmjs.com/package/@stripe/stripe-js) desde el registro público npm:

```bash
npm install --save @stripe/react-stripe-js @stripe/stripe-js
```

Pass the payment details (`mode`, `currency`, `amount`) to the [Elements Provider](https://docs.stripe.com/sdks/stripejs-react.md#elements-provider):

```jsx
import React from 'react';
import {loadStripe} from '@stripe/stripe-js';
import {Elements} from '@stripe/react-stripe-js';
import CheckoutForm from './CheckoutForm';

// Make sure to call `loadStripe` outside of a component's render to avoid
// recreating the `Stripe` object on every render.
const stripePromise = loadStripe('<<YOUR_PUBLISHABLE_KEY>>');

export default function App() {
  const options = {
    mode: 'payment',
    currency: 'eur',
    amount: 1099,
    // Automatically save the payment method for future payments
    setup_future_usage: 'off_session',
  };

  return (
    <Elements stripe={stripePromise} options={options}>
      <CheckoutForm />
    </Elements>
  );
}
```

Create a checkout form component that renders the [PaymentElement](https://docs.stripe.com/sdks/stripejs-react.md#element-components):

```jsx
import React from 'react';
import {PaymentElement} from '@stripe/react-stripe-js';

export default function CheckoutForm() {
  return (
    <form id="payment-form">
      <PaymentElement />
      <button type="submit">Submit Payment</button>
      <div id="error-message" role="alert"></div>
    </form>
  );
}
```

## Envía el pago a Stripe [Lado del cliente]

Rather than sending the entire PaymentIntent object to the client, use its [client secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) from [step 3](https://docs.stripe.com/payments/sepa-debit/accept-a-payment.md#web-create-payment-intent). This is different from your API keys that authenticate Stripe API requests.

The client secret should still be handled carefully because it can complete the charge. Don’t log it, embed it in URLs, or expose it to anyone but the customer.

#### HTML + JS

Use [stripe.confirmPayment](https://docs.stripe.com/js/payment_intents/confirm_payment) to complete the payment when the user submits the form. The Payment Element automatically collects the customer’s name, email, IBAN, and handles mandate acceptance:

```javascript
const form = document.getElementById('payment-form');
const submitButton = document.getElementById('submit-button');
const clientSecret = submitButton.dataset.secret;

form.addEventListener('submit', async (event) => {
  event.preventDefault();

  const {error} = await stripe.confirmPayment({
    elements,
    clientSecret,
    confirmParams: {
      return_url: 'https://example.com/order/complete',
    },
  });

  if (error) {
    // Show error to your customer (for example, payment details incomplete)
    const errorMessage = document.getElementById('error-message');
    errorMessage.textContent = error.message;
  } else {
    // Your customer will be redirected to your `return_url`.
  }
});
```

#### React

Use [stripe.confirmPayment](https://docs.stripe.com/js/payment_intents/confirm_payment) to complete the payment when the user submits the form. The Payment Element automatically collects and validates all required information.

Update your `CheckoutForm` component to handle form submission with the [useStripe](https://docs.stripe.com/sdks/stripejs-react.md#usestripe-hook) and [useElements](https://docs.stripe.com/sdks/stripejs-react.md#useelements-hook) hooks:

```jsx
import React, {useState} from 'react';
import {useStripe, useElements, PaymentElement} from '@stripe/react-stripe-js';

export default function CheckoutForm() {
  const stripe = useStripe();
  const elements = useElements();
  const [errorMessage, setErrorMessage] = useState(null);

  const handleSubmit = async (event) => {
    event.preventDefault();

    if (!stripe || !elements) {
      // Stripe.js hasn't yet loaded.
      // Make sure to disable form submission until Stripe.js has loaded.
      return;
    }

    const {error} = await stripe.confirmPayment({
      elements,
      confirmParams: {
        return_url: 'https://example.com/order/complete',
      },
    });

    if (error) {
      // Show error to your customer (for example, payment details incomplete)
      setErrorMessage(error.message);
    } else {
      // Your customer will be redirected to your `return_url`.
    }
  };

  return (
    <form id="payment-form" onSubmit={handleSubmit}>
      <PaymentElement />
      <button type="submit" disabled={!stripe}>Submit Payment</button>
      {errorMessage && <div id="error-message" role="alert">{errorMessage}</div>}
    </form>
  );
}
```

## Confirmar el PaymentIntent realizado correctamente

SEPA Direct Debit is a [delayed notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) payment method, so funds aren’t immediately available. When the payment has been submitted successfully, the `PaymentIntent` status is updated from `requires_confirmation` to `processing`. After the payment has succeeded, the PaymentIntent status is updated from `processing` to `succeeded`.

The following events are sent when the PaymentIntent status is updated:

| Evento                          | Descripción                                                  | Próximos pasos                                                                              |
| ------------------------------- | ------------------------------------------------------------ | ------------------------------------------------------------------------------------------- |
| `payment_intent.processing`     | The customer’s payment was submitted to Stripe successfully. | Espera hasta saber si el pago iniciado se ha hecho efectivo o no.                           |
| `payment_intent.succeeded`      | El pago del cliente se ha realizado correctamente.           | Suministrar los bienes o servicios que el cliente ha comprado.                              |
| `payment_intent.payment_failed` | The customer’s payment was declined.                         | Contact the customer through email or push notification and request another payment method. |

We recommend [using webhooks](https://docs.stripe.com/payments/payment-intents/verifying-status.md#webhooks) to *confirm* (Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects) the charge has succeeded and to notify the customer that the payment is complete.

Note that because [setup_future_usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage) and [customer](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-customer) were set, the PaymentMethod will be attached to the Customer object once the payment enters the `processing` state. This attachment happens regardless of whether payment eventually succeeds or fails.

## Prueba la integración

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

Use these test IBANs with the Payment Element to test your SEPA Direct Debit integration. The Payment Element automatically validates the IBAN and displays the mandate when you enter one of these test values.

### AT

| Account Number       | Token                               | Description                                                                                                                                          |
| -------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| AT611904300234573201 | pm_success_at                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| AT321904300235473204 | pm_successDelayed_at                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| AT861904300235473202 | pm_failed_at                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| AT051904300235473205 | pm_failedDelayed_at                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| AT591904300235473203 | pm_disputed_at                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| AT981904300000343434 | pm_exceedsWeeklyVolumeLimit_at      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| AT601904300000121212 | pm_exceedsWeeklyTransactionLimit_at | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| AT981904300002222227 | pm_insufficientFunds_at             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### BE

| Account Number   | Token                               | Description                                                                                                                                          |
| ---------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| BE62510007547061 | pm_success_be                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| BE78510007547064 | pm_successDelayed_be                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| BE68539007547034 | pm_failed_be                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| BE51510007547065 | pm_failedDelayed_be                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| BE08510007547063 | pm_disputed_be                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| BE90510000343434 | pm_exceedsWeeklyVolumeLimit_be      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| BE52510000121212 | pm_exceedsWeeklyTransactionLimit_be | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| BE90510002222227 | pm_insufficientFunds_be             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### HR

| Account Number        | Token                               | Description                                                                                                                                          |
| --------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| HR7624020064583467589 | pm_success_hr                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| HR6323600002337876649 | pm_successDelayed_hr                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| HR2725000096983499248 | pm_failed_hr                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| HR6723600004878117427 | pm_failedDelayed_hr                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| HR8724840081455523553 | pm_disputed_hr                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| HR7424020060000343434 | pm_exceedsWeeklyVolumeLimit_hr      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| HR3624020060000121212 | pm_exceedsWeeklyTransactionLimit_hr | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| HR7424020060002222227 | pm_insufficientFunds_hr             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### EE

| Account Number       | Token                               | Description                                                                                                                                          |
| -------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| EE382200221020145685 | pm_success_ee                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| EE222200221020145682 | pm_successDelayed_ee                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| EE762200221020145680 | pm_failed_ee                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| EE922200221020145683 | pm_failedDelayed_ee                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| EE492200221020145681 | pm_disputed_ee                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| EE672200000000343434 | pm_exceedsWeeklyVolumeLimit_ee      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| EE292200000000121212 | pm_exceedsWeeklyTransactionLimit_ee | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| EE672200000002222227 | pm_insufficientFunds_ee             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### FI

| Account Number     | Token                               | Description                                                                                                                                          |
| ------------------ | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| FI2112345600000785 | pm_success_fi                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| FI3712345600000788 | pm_successDelayed_fi                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| FI9112345600000786 | pm_failed_fi                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| FI1012345600000789 | pm_failedDelayed_fi                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| FI6412345600000787 | pm_disputed_fi                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| FI6712345600343434 | pm_exceedsWeeklyVolumeLimit_fi      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| FI2912345600121212 | pm_exceedsWeeklyTransactionLimit_fi | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| FI6712345602222227 | pm_insufficientFunds_fi             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### FR

| Account Number              | Token                               | Description                                                                                                                                          |
| --------------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| FR1420041010050500013M02606 | pm_success_fr                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| FR3020041010050500013M02609 | pm_successDelayed_fr                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| FR8420041010050500013M02607 | pm_failed_fr                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| FR7920041010050500013M02600 | pm_failedDelayed_fr                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| FR5720041010050500013M02608 | pm_disputed_fr                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| FR9720041010050000000343434 | pm_exceedsWeeklyVolumeLimit_fr      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| FR5920041010050000000121212 | pm_exceedsWeeklyTransactionLimit_fr | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| FR9720041010050000002222227 | pm_insufficientFunds_fr             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### DE

| Account Number         | Token                               | Description                                                                                                                                          |
| ---------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| DE89370400440532013000 | pm_success_de                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| DE08370400440532013003 | pm_successDelayed_de                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| DE62370400440532013001 | pm_failed_de                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| DE78370400440532013004 | pm_failedDelayed_de                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| DE35370400440532013002 | pm_disputed_de                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| DE65370400440000343434 | pm_exceedsWeeklyVolumeLimit_de      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| DE27370400440000121212 | pm_exceedsWeeklyTransactionLimit_de | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| DE65370400440002222227 | pm_insufficientFunds_de             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### GI

| Account Number          | Token                               | Description                                                                                                                                          |
| ----------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| GI60MPFS599327643783385 | pm_success_gi                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| GI08RRNW626436291644533 | pm_successDelayed_gi                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| GI41SAFA461293238477751 | pm_failed_gi                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| GI50LROG772261344693297 | pm_failedDelayed_gi                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| GI26KJBC361883934534696 | pm_disputed_gi                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| GI14NWBK000000000343434 | pm_exceedsWeeklyVolumeLimit_gi      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| GI73NWBK000000000121212 | pm_exceedsWeeklyTransactionLimit_gi | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| GI14NWBK000000002222227 | pm_insufficientFunds_gi             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### IE

| Account Number         | Token                               | Description                                                                                                                                          |
| ---------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| IE29AIBK93115212345678 | pm_success_ie                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| IE24AIBK93115212345671 | pm_successDelayed_ie                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| IE02AIBK93115212345679 | pm_failed_ie                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| IE94AIBK93115212345672 | pm_failedDelayed_ie                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| IE51AIBK93115212345670 | pm_disputed_ie                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| IE10AIBK93115200343434 | pm_exceedsWeeklyVolumeLimit_ie      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| IE69AIBK93115200121212 | pm_exceedsWeeklyTransactionLimit_ie | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| IE10AIBK93115202222227 | pm_insufficientFunds_ie             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### LI

| Account Number        | Token                               | Description                                                                                                                                          |
| --------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| LI0508800636123378777 | pm_success_li                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| LI4408800387787111369 | pm_successDelayed_li                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| LI1208800143823175626 | pm_failed_li                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| LI4908800356441975566 | pm_failedDelayed_li                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| LI7708800125525347723 | pm_disputed_li                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| LI2408800000000343434 | pm_exceedsWeeklyVolumeLimit_li      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| LI8308800000000121212 | pm_exceedsWeeklyTransactionLimit_li | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| LI2408800000002222227 | pm_insufficientFunds_li             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### LT

| Account Number       | Token                               | Description                                                                                                                                          |
| -------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| LT121000011101001000 | pm_success_lt                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| LT281000011101001003 | pm_successDelayed_lt                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| LT821000011101001001 | pm_failed_lt                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| LT981000011101001004 | pm_failedDelayed_lt                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| LT551000011101001002 | pm_disputed_lt                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| LT591000000000343434 | pm_exceedsWeeklyVolumeLimit_lt      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| LT211000000000121212 | pm_exceedsWeeklyTransactionLimit_lt | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| LT591000000002222227 | pm_insufficientFunds_lt             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### LU

| Account Number       | Token                               | Description                                                                                                                                          |
| -------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| LU280019400644750000 | pm_success_lu                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| LU440019400644750003 | pm_successDelayed_lu                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| LU980019400644750001 | pm_failed_lu                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| LU170019400644750004 | pm_failedDelayed_lu                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| LU710019400644750002 | pm_disputed_lu                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| LU900010000000343434 | pm_exceedsWeeklyVolumeLimit_lu      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| LU520010000000121212 | pm_exceedsWeeklyTransactionLimit_lu | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| LU900010000002222227 | pm_insufficientFunds_lu             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### NL

| Account Number     | Token                               | Description                                                                                                                                          |
| ------------------ | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| NL39RABO0300065264 | pm_success_nl                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| NL55RABO0300065267 | pm_successDelayed_nl                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| NL91ABNA0417164300 | pm_failed_nl                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| NL28RABO0300065268 | pm_failedDelayed_nl                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| NL82RABO0300065266 | pm_disputed_nl                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| NL27RABO0000343434 | pm_exceedsWeeklyVolumeLimit_nl      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| NL86RABO0000121212 | pm_exceedsWeeklyTransactionLimit_nl | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| NL55RABO0300065267 | pm_insufficientFunds_nl             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### NO

| Account Number  | Token                               | Description                                                                                                                                          |
| --------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| NO9386011117947 | pm_success_no                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| NO8886011117940 | pm_successDelayed_no                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| NO6686011117948 | pm_failed_no                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| NO6186011117941 | pm_failedDelayed_no                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| NO3986011117949 | pm_disputed_no                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| NO0586010343434 | pm_exceedsWeeklyVolumeLimit_no      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| NO0586010343434 | pm_exceedsWeeklyTransactionLimit_no | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| NO0586012222227 | pm_insufficientFunds_no             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### PT

| Account Number            | Token                               | Description                                                                                                                                          |
| ------------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| PT50000201231234567890154 | pm_success_pt                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| PT66000201231234567890157 | pm_successDelayed_pt                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| PT23000201231234567890155 | pm_failed_pt                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| PT39000201231234567890158 | pm_failedDelayed_pt                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| PT93000201231234567890156 | pm_disputed_pt                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| PT05000201230000000343434 | pm_exceedsWeeklyVolumeLimit_pt      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| PT64000201230000000121212 | pm_exceedsWeeklyTransactionLimit_pt | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| PT05000201230000002222227 | pm_insufficientFunds_pt             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### ES

| Account Number           | Token                               | Description                                                                                                                                          |
| ------------------------ | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| ES0700120345030000067890 | pm_success_es                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| ES2300120345030000067893 | pm_successDelayed_es                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| ES9121000418450200051332 | pm_failed_es                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| ES9300120345030000067894 | pm_failedDelayed_es                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| ES5000120345030000067892 | pm_disputed_es                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| ES1700120345000000343434 | pm_exceedsWeeklyVolumeLimit_es      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| ES7600120345000000121212 | pm_exceedsWeeklyTransactionLimit_es | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| ES1700120345000002222227 | pm_insufficientFunds_es             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### SE

| Account Number           | Token                               | Description                                                                                                                                          |
| ------------------------ | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| SE3550000000054910000003 | pm_success_se                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| SE5150000000054910000006 | pm_successDelayed_se                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| SE0850000000054910000004 | pm_failed_se                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| SE2450000000054910000007 | pm_failedDelayed_se                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| SE7850000000054910000005 | pm_disputed_se                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| SE2850000000000000343434 | pm_exceedsWeeklyVolumeLimit_se      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| SE8750000000000000121212 | pm_exceedsWeeklyTransactionLimit_se | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| SE2850000000000002222227 | pm_insufficientFunds_se             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### CH

| Account Number        | Token                               | Description                                                                                                                                          |
| --------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| CH9300762011623852957 | pm_success_ch                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| CH8656663438253651553 | pm_successDelayed_ch                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| CH5362200119938136497 | pm_failed_ch                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| CH1843597160341964438 | pm_failedDelayed_ch                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| CH1260378413965193069 | pm_disputed_ch                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| CH1800762000000343434 | pm_exceedsWeeklyVolumeLimit_ch      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| CH7700762000000121212 | pm_exceedsWeeklyTransactionLimit_ch | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| CH1800762000002222227 | pm_insufficientFunds_ch             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

### GB

| Account Number         | Token                               | Description                                                                                                                                          |
| ---------------------- | ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| GB82WEST12345698765432 | pm_success_gb                       | The PaymentIntent status transitions from `processing` to `succeeded`.                                                                               |
| GB98WEST12345698765435 | pm_successDelayed_gb                | The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.                                                  |
| GB55WEST12345698765433 | pm_failed_gb                        | The PaymentIntent status transitions from `processing` to `requires_payment_method`.                                                                 |
| GB71WEST12345698765436 | pm_failedDelayed_gb                 | The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.                                    |
| GB28WEST12345698765434 | pm_disputed_gb                      | The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.                                         |
| GB70WEST12345600343434 | pm_exceedsWeeklyVolumeLimit_gb      | The payment fails with a `charge_exceeds_source_limit` failure code due to payment amount causing account to exceed its weekly payment volume limit. |
| GB32WEST12345600121212 | pm_exceedsWeeklyTransactionLimit_gb | The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.              |
| GB70WEST12345602222227 | pm_insufficientFunds_gb             | The payment fails with an `insufficient_funds` failure code.                                                                                         |

> The Payment Element automatically validates the IBAN and other payment details as the customer types. Error messages are displayed inline within the Payment Element, so you don’t need to handle validation manually.

## Optional: Configure customer debit date

You can control the date that Stripe debits a customer’s bank account using the [target date](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-payment_method_options-sepa_debit-target_date). The target date must be at least three days in the future and no more than 15 days from the current date.

The target date schedules money to leave the customer’s account on the target date. You can [cancel a PaymentIntent](https://docs.stripe.com/api/payment_intents/cancel.md) created with a target date up to three business days before the configured date.

Target dates that meet one of the following criteria delay the debit until next available business day:

- Target date falls on a weekend, a bank holiday, or other non-business day.
- Target date is fewer than three business days in the future.

This parameter operates on a best-effort basis. Each customer’s bank might process debits on different dates, depending on local bank holidays or other reasons.

## Optional: Customize mandate references with a prefix

You can customize SEPA Direct Debit mandate references to simplify mandate identification. To do this, provide the optional `payment_method_options.sepa_debit.mandate_options.reference_prefix` value. We add the `reference_prefix` to the beginning of a unique sequence to ensure the entire reference remains unique.

The `reference_prefix` must meet these requirements:

- Maximum length: 12 characters
- Must begin with a number or an uppercase letter
- Allowed characters:
  - Uppercase letters
  - Numbers
  - Spaces
  - Special characters: `.`, `/`, `&`, `-`, `_`
- Can’t begin with `STRIPE`

Include any desired delimiter in the prefix, as we don’t add one by default. We trim trailing spaces to a maximum of one space. With a valid prefix, the resulting reference is always 24 characters long.

#### Payment Intent

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d currency=eur \
  -d amount=100 \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Setup Intent

```curl
curl https://api.stripe.com/v1/setup_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Checkout Session in Payment Mode

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d mode=payment \
  -d currency=eur \
  -d "line_items[0][price_data][currency]=eur" \
  -d "line_items[0][price_data][product_data][name]=Llama" \
  -d "line_items[0][price_data][unit_amount]=2000" \
  -d "line_items[0][quantity]=1" \
  -d "payment_method_types[0]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

#### Checkout Session in Setup Mode

```curl
curl https://api.stripe.com/v1/checkout/sessions \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d mode=setup \
  -d "payment_method_types[]=sepa_debit" \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]=EX4MPL3-"
```

The generated reference looks like `EX4MPL3-19CNCI920C2M02O3`.

| Código de error                                | Message                                                                                                                                                                                                 |
| ---------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `invalid_sepa_mandate_reference_prefix_format` | The `reference_prefix` must be at most 12 characters long and can only contain uppercase letters, numbers, spaces, or the special characters `/`, `_`, `-`, `&`, and `.`. It can’t begin with `STRIPE`. |


## See also

- [Save SEPA Direct Debit details for future payments](https://docs.stripe.com/payments/sepa-debit/set-up-payment.md)
- [Connect payments](https://docs.stripe.com/connect/charges.md)