# Save SEPA Direct Debit details for future payments

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

# 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/set-up-payment.md?platform=checkout) to save SEPA Direct Debit details for future use.

You can use the [Setup Intents API](https://docs.stripe.com/payments/setup-intents.md) to collect payment method details in advance, and determine the final amount or payment date later. Use it to:

- Save payment methods to a wallet to streamline future purchases
- Collect surcharges after fulfilling a service
- [Start a free trial for a subscription](https://docs.stripe.com/billing/subscriptions/trials.md)

## Set up Stripe [Server-side]

First, you need a Stripe account. [Register now](https://dashboard.stripe.com/register).

Use our official libraries for access to the Stripe API from your application:

#### 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'
```

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

To reuse a SEPA Direct Debit account for future payments, attach it to an object that represents your customer.

> #### Use the Accounts v2 API to represent customers
> 
> The Accounts v2 API is generally available for Connect users, and in public preview for other Stripe users. If you’re part of the Accounts v2 preview, you need to specify a [specify a preview version](https://docs.stripe.com/api-v2-overview.md#sdk-and-api-versioning) in your code.
> 
> To request access to the Accounts v2 preview, 
> 
> For most use cases, we recommend [modeling your customers as customer-configured Account objects](https://docs.stripe.com/accounts-v2/use-accounts-as-customers.md) instead of using [Customer](https://docs.stripe.com/api/customers.md) objects.

Create a customer-configured [Account](https://docs.stripe.com/api/v2/core/accounts/create.md#v2_create_accounts-configuration-customer) or [Customer](https://docs.stripe.com/api/customers/create.md) when your customer creates an account with your business, or when saving a payment method. Associate the object’s ID with your own internal representation of a customer.

Create a new customer or retrieve an existing one to associate with this payment.

#### Accounts v2

```curl
curl -X POST https://api.stripe.com/v2/core/accounts \
  -H "Authorization: Bearer <<YOUR_SECRET_KEY>>" \
  -H "Stripe-Version: 2026-05-27.preview" \
  --json '{
    "contact_email": "jenny.rosen@example.com",
    "display_name": "Jenny Rosen",
    "configuration": {
        "customer": {}
    },
    "include": [
        "configuration.customer"
    ]
  }'
```

#### Customers v1

```curl
curl https://api.stripe.com/v1/customers \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "name=Jenny Rosen" \
  --data-urlencode "email=jenny.rosen@example.com"
```

## Create a SetupIntent [Server-side]

A [SetupIntent](https://docs.stripe.com/api/setup_intents.md) is an object that represents your intent to set up a customer’s payment method for future payments. The `SetupIntent` tracks the steps of this setup process. For SEPA Direct Debit, this includes collecting a mandate from the customer and checking the validity of the IBAN.

Create a `SetupIntent` on your server. Include `sepa_debit` in the [payment_method_types](https://docs.stripe.com/api/setup_intents/create.md#create_setup_intent-payment_method_types) array and specify the ID of the customer-configured [Account](https://docs.stripe.com/api/v2/core/accounts.md) or [Customer](https://docs.stripe.com/api/customers.md):

#### Accounts v2

```curl
curl https://api.stripe.com/v1/setup_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d "customer_account={{CUSTOMERACCOUNT_ID}}"
```

#### Customers v1

```curl
curl https://api.stripe.com/v1/setup_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]=sepa_debit" \
  -d "customer={{CUSTOMER_ID}}"
```

## Collect payment method details and mandate acknowledgment [Client-side]

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.

A Stripe Element contains an iframe that securely sends the payment information to Stripe over an HTTPS connection. The checkout page address must also start with https:// rather than http:// for your integration to work.

You can test your integration without using HTTPS. [Enable it](https://docs.stripe.com/security/guide.md#tls) when you’re ready to accept live payments.

### Set up 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` and `currency` to enable the Payment Element to collect SEPA Direct Debit payment details:

```javascript
const stripe = Stripe('<<YOUR_PUBLISHABLE_KEY>>');
const options = {
  mode: 'setup',
  currency: 'eur',
};
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="/form" method="post" id="setup-form">
  <div id="payment-element">
    <!-- The Payment Element will be inserted here. -->
  </div>

  <!-- Add the client_secret from the SetupIntent as a data attribute   -->
  <button id="submit-button" data-secret="{CLIENT_SECRET}">
    Set up SEPA Direct Debit
  </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

Install [React Stripe.js](https://www.npmjs.com/package/@stripe/react-stripe-js) and the [Stripe.js loader](https://www.npmjs.com/package/@stripe/stripe-js) from the npm public registry:

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

Pass the setup details (`mode: 'setup'`, `currency`) 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 PaymentSetupForm from './PaymentSetupForm';

// 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: 'setup',
    currency: 'eur',
  };

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

Create a setup 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 PaymentSetupForm() {
  return (
    <form id="setup-form">
      <PaymentElement />
      <button type="submit">Set up SEPA Direct Debit</button>
      <div id="error-message" role="alert"></div>
    </form>
  );
}
```

## Submit the payment method details to Stripe [Client-side]

Rather than sending the entire `SetupIntent` object to the client, use its [client secret](https://docs.stripe.com/api/setup_intents/object.md#setup_intent_object-client_secret). 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 setup. Don’t log it, embed it in URLs, or expose it to anyone but the customer.

#### HTML + JS

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

A successful setup will return a `succeeded` value for the SetupIntent’s `status` property. If the setup isn’t successful, inspect the returned `error` to determine the cause.

Because [customer](https://docs.stripe.com/api/setup_intents/create.md#create_setup_intent-customer) was set, the PaymentMethod will be attached to the provided Customer object after a successful setup. This allows you to use the stored PaymentMethod to collect future payments without prompting the customer for payment method details.

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

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

  const {error} = await stripe.confirmSetup({
    elements,
    clientSecret,
    confirmParams: {
      return_url: 'https://example.com/account/payment-methods',
    },
  });

  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.confirmSetup](https://docs.stripe.com/js/setup_intents/confirm_setup) to complete the setup when the user submits the form. The Payment Element automatically collects and validates all required information.

Update your `PaymentSetupForm` 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 PaymentSetupForm() {
  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.confirmSetup({
      elements,
      confirmParams: {
        return_url: 'https://example.com/account/payment-methods',
      },
    });

    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="setup-form" onSubmit={handleSubmit}>
      <PaymentElement />
      <button type="submit" disabled={!stripe}>Set up SEPA Direct Debit</button>
      {errorMessage && <div id="error-message" role="alert">{errorMessage}</div>}
    </form>
  );
}
```

## Test the integration

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

##### Test IBANs

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

### AT

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

### BE

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

### HR

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

### EE

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

### FI

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

### FR

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

### DE

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

### GI

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

### IE

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

### LI

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

### LT

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

### LU

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

### NL

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

### NO

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

### PT

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

### ES

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

### SE

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

### CH

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

### GB

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

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


## See also

- [Manually configure SEPA Direct Debit as a payment](https://docs.stripe.com/payments/sepa-debit/accept-a-payment.md)
- [Connect payments](https://docs.stripe.com/connect/charges.md)