# 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.

> A Stripe pode apresentar automaticamente as formas de pagamento relevantes aos seus clientes avaliando moedas, restrições de formas de pagamento e outros parâmetros.
> 
> - Siga o guia [Aceitar um pagamento](https://docs.stripe.com/payments/accept-a-payment.md?payment-ui=checkout&ui=stripe-hosted) para elaborar uma integração de checkout que usa [formas de pagamento dinâmicas](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md).
- Se você não quiser usar o formas de pagamento dinâmico, siga as etapas abaixo para configurar manualmente as formas de pagamento em sua integração de checkout.

Aceitar pagamentos por débito automático SEPA no seu site consiste em criar um objeto para acompanhar um pagamento, coletando dados de forma de pagamento e reconhecimento de mandato, e enviando o pagamento à Stripe para processamento. A Stripe usa esse objeto de pagamento, o PaymentIntent, para acompanhar e gerenciar todos os estados do pagamento até a conclusão do pagamento.

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

## Verificar a compatibilidade

**Localizações aceitas para empresas**: Europe, US, CA, NZ, SG, HK, JP, AU, MX

**Moedas aceitas**: `eur`

**Moedas de apresentação**: `eur`

**Modo de pagamento**: Yes

**Modo de configuração**: Yes

**Modo de assinatura**: 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`).

## Aceitar um pagamento

> This guide builds on the foundational [accept a payment](https://docs.stripe.com/payments/accept-a-payment.md?ui=stripe-hosted) Checkout integration.

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

Ao criar uma [sessão do Checkout](https://docs.stripe.com/api/checkout/sessions.md), é preciso:

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

#### Página hospedada pela 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"
```

#### Formulário 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
```

### Executar pedidos

After accepting a payment, learn how to [fulfill orders](https://docs.stripe.com/checkout/fulfillment.md).

## Teste sua integração

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

##### IBANs de teste

Use estes IBANs de teste com o Payment Element para testar sua integração de débito automático SEPA. O Payment Element valida automaticamente o IBAN e exibe a instrução quando você informa um desses valores de teste.

### 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.                                                                                         |

## Gerencie reembolsos e contestações

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

*Customers* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments) 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](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`.

| Error Code                                     | 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.

> Recomendamos seguir o guia [Aceitar um pagamento](https://docs.stripe.com/payments/accept-a-payment.md), a menos que precise usar confirmação manual no lado do servidor ou que sua integração exija apresentação separada de formas de pagamento. Se você já fez a integração com o Elements, consulte o [guia de migração do Payment Element](https://docs.stripe.com/payments/payment-element/migration.md).

Aceitar pagamentos por débito automático SEPA no seu site consiste em criar um objeto para acompanhar um pagamento, coletando dados de forma de pagamento e reconhecimento de mandato, e enviando o pagamento à Stripe para processamento. A Stripe usa esse objeto de pagamento, o PaymentIntent, para acompanhar e gerenciar todos os estados do pagamento até a conclusão do pagamento.

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 a Stripe [Lado do servidor] [Lado do cliente]

### Servidor

Esta integração exige que os endpoints do seu servidor se comuniquem com a API da Stripe. Use nossas bibliotecas oficiais para acessar a API da Stripe a partir do seu 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'
```

### Cliente

O [SDK do React Native](https://github.com/stripe/stripe-react-native) é de código aberto e totalmente documentado. Internamente, utiliza as SDKs de [iOS nativo](https://github.com/stripe/stripe-ios) e [Android](https://github.com/stripe/stripe-android). Para instalar o SDK do React Native da Stripe, execute um dos seguintes comandos no diretório do seu projeto (dependendo de qual gerenciador de pacotes você usa):

#### yarn

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

#### npm

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

Em seguida, instale algumas outras dependências necessárias:

- Para iOS, vá para o diretório **ios** e execute `pod install` para garantir a instalação das dependências nativas necessárias.
- Para Android, não há mais dependências para instalar.

> Recomendamos seguir o [guia oficial do TypeScript](https://reactnative.dev/docs/typescript#adding-typescript-to-an-existing-project) para adicionar suporte ao TypeScript.

### Inicialização da Stripe

Para inicializar a Stripe no aplicativo React Native, insira sua tela de pagamento com o componente `StripeProvider` ou use o método de inicialização `initStripe`. Somente a [chave da API publicável](https://docs.stripe.com/keys.md#obtain-api-keys) em `publishableKey` é necessária. O exemplo a seguir mostra como inicializar a Stripe usando o 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>
  );
}
```

> Use suas [chaves de API de teste](https://docs.stripe.com/keys.md#obtain-api-keys) enquanto testa e desenvolve, e as chaves de [modo de produção](https://docs.stripe.com/keys.md#test-live-modes) quando publica seu aplicativo.

## Crie ou recupere um Cliente [Lado do servidor]

Para reutilizar uma conta de débito automático SEPA para pagamentos futuros, ela precisa ser vinculada a um *Cliente* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments).

Crie um objeto Customer quando o cliente abrir uma conta em sua empresa. Associar o ID do objeto Customer com sua própria representação interna de um cliente permitirá que você recupere e use os dados da forma de pagamento armazenada posteriormente.

Crie um Cliente ou recupere um Cliente existente para associar a esse pagamento. Insira o código a seguir em seu servidor para criar um novo Cliente.

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

## Criar um PaymentIntent [Lado do servidor] [Lado do cliente]

### Lado do 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* (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"
```

### Lado do cliente

No cliente, solicite um PaymentIntent a partir do seu servidor e armazene o *segredo de cliente* (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};
};
```

## Coletar detalhes de forma de pagamento e reconhecimento de mandato [Lado do cliente]

Colete o IBAN do cliente no formulário de pagamento e exiba o seguinte texto de autorização padrão para o seu cliente assinar o mandato implicitamente.

Exiba o seguinte texto de autorização padrão para que o cliente assine implicitamente o mandato.

Substitua *Rocket Rides* pelo nome da sua 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.

A configuração de uma forma de pagamento ou a confirmação de um PaymentIntent cria o mandato aceito. Como o cliente assinou implicitamente o mandato, você precisa comunicar esses termos em um formulário ou por e-mail.

```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>
  );
}
```

## Enviar o pagamento para a Stripe [Lado do cliente]

Obtenha o segredo do cliente com o PaymentIntent criado e invoque `confirmPayment`.

O segredo do cliente deve ser administrado com cuidado, porque pode finalizar a cobrança. Não armazene, insira em URL nem exponha o segredo para ninguém, exceto para o próprio cliente.

> É preciso informar `addressCountry` e `addressLine1` em `billingDetails` para IBANs com os seguintes códigos de país: AD, PF, TF, GI, GB, GG, VA, IM, JE, MC, NC, BL, PM, SM, CH e WF. Consulte a [referência do SDK do React Native](https://stripe.dev/stripe-react-native/api-reference/interfaces/Address.html) para obter uma lista completa de campos de endereço.

```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>;
}
```

## Confirme o PaymentIntent bem-sucedido

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`.

Os seguintes eventos são enviados quando o status do PaymentIntent é atualizado:

| Evento                          | Descrição                                                 | Próximas etapas                                                                             |
| ------------------------------- | --------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| `payment_intent.processing`     | O pagamento do cliente foi enviado à Stripe corretamente. | Espere a conclusão ou falha do pagamento iniciado.                                          |
| `payment_intent.succeeded`      | O pagamento do cliente foi confirmado.                    | Execute o pedido de mercadorias ou serviços do cliente.                                     |
| `payment_intent.payment_failed` | O pagamento do cliente foi recusado.                      | 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.

## Testar a integração

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`.

| Error Code                                     | 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.

Aceitar pagamentos por débito automático SEPA no seu site consiste em criar um objeto para acompanhar um pagamento, coletando dados de forma de pagamento e reconhecimento de mandato, e enviando o pagamento à Stripe para processamento. A Stripe usa esse objeto de pagamento, o PaymentIntent, para acompanhar e gerenciar todos os estados do pagamento até a conclusão do pagamento.

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 a Stripe [Do lado do servidor]

Primeiro, você precisa de uma conta Stripe. [Cadastre-se agora](https://dashboard.stripe.com/register).

Use nossas bibliotecas oficiais para acessar a API da Stripe no seu aplicativo:

#### 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'
```

## Crie ou recupere um Customer [Do lado do servidor]

Para reutilizar uma conta de débito automático SEPA para pagamentos futuros, ela precisa ser vinculada a um *Cliente* (Customer objects represent customers of your business. They let you reuse payment methods and give you the ability to track multiple payments).

Crie um objeto Customer quando o cliente abrir uma conta em sua empresa. Associar o ID do objeto Customer com sua própria representação interna de um cliente permitirá que você recupere e use os dados da forma de pagamento armazenada posteriormente.

Crie um Cliente ou recupere um Cliente existente para associar a esse pagamento. Insira o código a seguir em seu servidor para criar um novo Cliente.

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

## Criar um PaymentIntent [Do lado do 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"
```

## Coletar detalhes de forma de pagamento e reconhecimento de mandato [Do lado do 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.

Um Stripe Element contém um iframe que envia com segurança os dados de pagamento para a Stripe por uma conexão HTTPS. O endereço da página de checkout também deve iniciar com https://, e não http://, para que sua integração funcione.

Você pode testar sua integração sem usar HTTPS. [Habilite-o](https://docs.stripe.com/security/guide.md#tls) quando estiver pronto para aceitar pagamentos no modo de produção.

### Configurar o 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

Instale o [React Stripe.js](https://www.npmjs.com/package/@stripe/react-stripe-js) e o [carregador Stripe.js](https://www.npmjs.com/package/@stripe/stripe-js) do 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>
  );
}
```

## Enviar o pagamento para a Stripe [Do lado do 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>
  );
}
```

## Confirme se o PaymentIntent foi bem-sucedido

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`.

Os seguintes eventos são enviados quando o status do PaymentIntent é atualizado:

| Evento                          | Descrição                                                 | Próximas etapas                                                                             |
| ------------------------------- | --------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| `payment_intent.processing`     | O pagamento do cliente foi enviado à Stripe corretamente. | Espere a conclusão ou falha do pagamento iniciado.                                          |
| `payment_intent.succeeded`      | O pagamento do cliente foi confirmado.                    | Execute o pedido de mercadorias ou serviços do cliente.                                     |
| `payment_intent.payment_failed` | O pagamento do cliente foi recusado.                      | 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.

## Testar a integração

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.

##### IBANs de teste

Use estes IBANs de teste com o Payment Element para testar sua integração de débito automático SEPA. O Payment Element valida automaticamente o IBAN e exibe a instrução quando você informa um desses valores de teste.

### 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`.

| Error Code                                     | 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)