调至内容部分
创建账户或登录
Stripe 文档徽标
/
创建账户登录
概览升级您的集成
线上付款
概览查找您的用例使用 Managed Payments
线下支付
支付方式
支付场景
超越支付功能

Accept a SEPA Direct Debit payment

Learn to accept SEPA Direct Debit payments.

注意

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

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

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

注意

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

Determine compatibility

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

Accept a payment

注意

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

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

Enable SEPA Direct Debit as a payment method

When creating a new Checkout Session, you need to:

  1. Add sepa_debit to the list of payment_method_types.
  2. Make sure all your line_items use the eur currency.
Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/checkout/sessions \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -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"

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Test your integration

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

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

Test IBANs
账号描述
HR7624020064583467589PaymentIntent 状态从 processing 变成 succeeded。
HR6323600002337876649三分钟后，PaymentIntent 状态从 处理中 变成 已成功。
HR2725000096983499248PaymentIntent 状态从 processing 变成 requires_payment_method。
HR6723600004878117427至少三分钟后，PaymentIntent 状态从处理中变为 requires_payment_method。
HR8724840081455523553PaymentIntent 状态从 processing 变成 succeeded，但会立即创建争议。
HR7424020060000343434付款失败，显示 charge_exceeds_source_limit 错误代码，原因是支付金额导致账户超过每周支付限额。
HR3624020060000121212付款失败，显示 charge_exceeds_weekly_limit 错误代码，原因是支付金额导致账户超过的交易限额。
HR7424020060002222227付款失败，失败代码为：insufficient_funds。

Handle refunds and disputes

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

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

Learn more about SEPA Direct Debit disputes.

可选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.

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d currency=eur \
  -d amount=100 \
  -d "payment_method_types[]"=sepa_debit \
  -d "payment_method_options[sepa_debit][mandate_options][reference_prefix]"=EX4MPL3-

The generated reference looks like EX4MPL3-19CNCI920C2M02O3.

Error CodeMessage
invalid_sepa_mandate_reference_prefix_formatThe reference_prefix must be at most 12 characters long and can only contain uppercase letters, numbers, spaces, or the special characters /, _, -, &, and .. It can’t begin with STRIPE.

可选Configure customer debit date

You can control the date that Stripe debits a customer’s bank account using the 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.

另请参阅