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OverviewUpgrade your integration
Online payments
OverviewFind your use caseUse Managed Payments
Payment methods
Payment interfaces
Payment scenarios
In-person payments
Beyond payments

Save SEPA Direct Debit details for future payments

Learn how to save payment method details for future SEPA Direct Debit payments.

You can use Checkout in setup mode to collect SEPA Direct Debit payment details in advance, and determine the final amount or payment date later. Use it to:

Note

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.

Create or retrieve a Customer
Server-side

To reuse a SEPA Direct Debit payment method for future payments, it must be attached to a Customer.

Create a Customer object when your customer creates an account with your business. Associating the ID of the Customer object with your own internal representation of a customer enables you to retrieve and use the stored payment method details later.

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

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl -X POST https://api.stripe.com/v1/customers \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:"

Set up future payments

Note

This guide builds on the foundational set up future payments Checkout integration.

Use this guide to learn how to enable SEPA Direct Debit—it shows the differences between setting up future payments for cards and using SEPA Direct Debit.

Enable SEPA Direct Debit as a payment method

When creating a new Checkout Session, you need to add sepa_debit to the list of payment_method_types.

Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
Stripe::Checkout::Session.create({
  mode: 'setup',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'sepa_debit'],
  customer: customer.id,
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

Test your integration

You can test your integration using the IBANs below. The payment method details are successfully collected for each IBAN but exhibit different behavior when charged.

Test IBANs
Account NumberDescription
AT611904300234573201The PaymentIntent status transitions from processing to succeeded.
AT321904300235473204The PaymentIntent status transitions from processing to succeeded after at least three minutes.
AT861904300235473202The PaymentIntent status transitions from processing to requires_payment_method.
AT051904300235473205The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.
AT591904300235473203The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.
AT981904300000343434The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.
AT601904300000121212The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.
AT981904300002222227The payment fails with an insufficient_funds failure code.

OptionalCustomize 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.

See also

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