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Accept a SEPA Direct Debit payment

Learn to accept SEPA Direct Debit payments.

Peringatan

Stripe can automatically present the relevant payment methods to your customers by evaluating currency, payment method restrictions, and other parameters.

  • Follow the Accept a payment guide to build a Checkout integration that uses dynamic payment methods.
  • If you don’t want to use dynamic payment methods, follow the steps below to manually configure the payment methods in your Checkout integration.

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.

Catatan

SEPA Direct Debit is a delayed notification payment method, which means that funds are not immediately available after payment. A payment typically takes 5 business days to arrive in your account.

Determine compatibility

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

Accept a payment

Catatan

This guide builds on the foundational accept a payment Checkout integration.

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

Enable SEPA Direct Debit as a payment method

When creating a new Checkout Session, you need to:

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

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Test your integration

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
Nomor RekeningKeterangan
AT611904300234573201Transisi status PaymentIntent dari processing menjadi succeeded.
AT321904300235473204Transisi status PaymentIntent dari processing menjadi succeeded setelah minimal tiga menit.
AT861904300235473202Transisi status PaymentIntent dari processing menjadi requires_payment_method.
AT051904300235473205Transisi status PaymentIntent dari processing menjadi requires_payment_method setelah minimal tiga menit.
AT591904300235473203Transisi status PaymentIntent dari processing menjadi succeeded, tetapi suatu sengketa segera dibuat.
AT981904300000343434Pembayaran gagal dengan kode kegagalan charge_exceeds_source_limit karena jumlah pembayaran menyebabkan akun melebihi batas volume pembayaran mingguannya.
AT601904300000121212Pembayaran gagal dengan kode kegagalan charge_exceeds_weekly_limit karena jumlah pembayaran melebihi batas volume transaksi akun.
AT981904300002222227Pembayaran gagal dengan kode kegagalan insufficient_funds.

Handle refunds and disputes

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

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

Learn more about SEPA Direct Debit disputes.

OpsionalCustomize 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.

Command Line
cURL
Stripe CLI
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curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d currency=eur \
  -d amount=100 \
  -d "payment_method_types[]"=sepa_debit \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]"=EX4MPL3-

The generated reference looks like EX4MPL3-19CNCI920C2M02O3.

Error CodeMessage
invalid_sepa_mandate_reference_prefix_formatThe 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.

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