Save SEPA Direct Debit details for future payments

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

Note

When processing SEPA Direct Debit payments using the Stripe Creditor ID, we recommend you use the prebuilt checkout page to save SEPA Direct Debit details for future use.

You can use the Setup Intents API 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

Set up Stripe
Server-side

First, you need a Stripe account. Register now.

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

Create or retrieve a Customer
Server-side

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

You should 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 will enable you to retrieve and use the stored payment method details later. If your customer hasn’t created an account, you can still create a Customer object now and associate it with your internal representation of the customer’s account later.

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

Create a SetupIntent
Server-side

A SetupIntent is an object that represents your intent and tracks the steps to set up your customer’s payment method for future payments. 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 with payment_method_types set to sepa_debit and specify the Customer’s id.:

Collect payment method details and mandate acknowledgment
Client-side

You’re ready to collect payment information on the client with Stripe Elements. 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 when you’re ready to accept live payments.

Set up Stripe Elements

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. Do not include the script in a bundle or host a copy of it yourself.

payment_setup.html
<head>
  <title>Submit Payment</title>
  <script src="https://js.stripe.com/v3/"></script>
</head>

Create an instance of Elements with the following JavaScript on your payment page:

const stripe = Stripe('pk_test_TYooMQauvdEDq54NiTphI7jx'
);
const elements = stripe.elements();

Add and configure an IBAN Element

Elements needs a place to live in your payment form. Create empty DOM nodes (containers) with unique IDs in your payment form. Additionally, your customer must read and accept the SEPA Direct Debit mandate.

Display the following standard authorization text for your customer to implicitly sign the mandate.

Replace Rocket Rides with your company name.

Authorization text template

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 are 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.

Copy

Setting up a payment method creates the accepted mandate. As the customer has implicitly signed the mandate when accepting these terms, you must communicate these terms in your form or through email.

payment_setup.html
<form action="/form" method="post" id="setup-form">
  <div class="form-row inline">
    <div class="col">
      <label for="accountholder-name">
        Name
      </label>
      <input
        id="accountholder-name"
        name="accountholder-name"
        placeholder="Jenny Rosen"
        required
      />
    </div>

    <div class="col">
      <label for="email">
        Email Address
      </label>
      <input
        id="email"
        name="email"
        type="email"
        placeholder="jenny.rosen@example.com"
        required
      />
    </div>
  </div>

  <div class="form-row">
    <!--
      Using a label with a for attribute that matches the ID of the
      Element container enables the Element to automatically gain focus
      when the customer clicks on the label.
    -->
    <label for="iban-element">
      IBAN
    </label>
    <div id="iban-element">
      <!-- A Stripe Element will be inserted here. -->
    </div>
  </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>

  <!-- Display mandate acceptance text. -->
  <div id="mandate-acceptance">
    By providing your payment information and confirming this payment, you
    authorise (A) Rocket Rides and Stripe, our payment service provider
    and/or PPRO, its local 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 are
    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.
  </div>
  <!-- Used to display form errors. -->
  <div id="error-message" role="alert"></div>
</form>

When the form loads, you can create an instance of the IBAN Element and mount it to the Element container:

// Custom styling can be passed to options when creating an Element.
const style = {
  base: {
    color: '#32325d',
    fontSize: '16px',
    '::placeholder': {
      color: '#aab7c4'
    },
    ':-webkit-autofill': {
      color: '#32325d',
    },
  },
  invalid: {
    color: '#fa755a',
    iconColor: '#fa755a',
    ':-webkit-autofill': {
      color: '#fa755a',
    },
  },
};

const options = {
  style,
  supportedCountries: ['SEPA'],
  // Elements can use a placeholder as an example IBAN that reflects
  // the IBAN format of your customer's country. If you know your
  // customer's country, we recommend passing it to the Element as the
  // placeholderCountry.
  placeholderCountry: 'DE',
};

// Create an instance of the IBAN Element
const iban = elements.create('iban', options);

// Add an instance of the IBAN Element into the `iban-element` <div>
iban.mount('#iban-element');

Submit the payment method details to Stripe
Client-side

Rather than sending the entire SetupIntent object to the client, use its client secret from step 3. 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. Do not log it, embed it in URLs, or expose it to anyone but the customer.

Use stripe.confirmSepaDebitSetup to complete the setup when the user submits the form. Creating a SEPA Direct Debit PaymentMethod requires that you include the customer’s name and email address in the billing_details property of the payment_method parameter. Additionally, IBANs with the country codes AD, PF, TF, GI, GB, GG, VA, IM, JE, MC, NC, BL, PM, SM, CH, and WF require the country and line1 properties of the billing_details.address property. Listen to the change event of the IBAN element to get the IBAN’s country code.

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

Because 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.

const form = document.getElementById('payment-form');
const accountholderName = document.getElementById('accountholder-name');
const email = document.getElementById('email');
const submitButton = document.getElementById('submit-button');
const clientSecret = submitButton.dataset.secret;

form.addEventListener('submit', (event) => {
  event.preventDefault();
  stripe.confirmSepaDebitSetup(
    clientSecret,
    {
      payment_method: {
        sepa_debit: iban,
        billing_details: {
          name: accountholderName.value,
          email: email.value,
        },
      },
    }
  );
});

Test the integration

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

Test IBANs

Account Number	Description
`AT611904300234573201`	The PaymentIntent status transitions from `processing` to `succeeded`.
`AT321904300235473204`	The PaymentIntent status transitions from `processing` to `succeeded` after at least three minutes.
`AT861904300235473202`	The PaymentIntent status transitions from `processing` to `requires_payment_method`.
`AT051904300235473205`	The PaymentIntent status transitions from `processing` to `requires_payment_method` after at least three minutes.
`AT591904300235473203`	The PaymentIntent status transitions from `processing` to `succeeded`, but a dispute is immediately created.
`AT981904300000343434`	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`	The payment fails with a `charge_exceeds_weekly_limit` failure code due to payment amount exceeding account's transaction volume limit.
`AT981904300002222227`	The payment fails with an `insufficient_funds` failure code.

Save SEPA Direct Debit details for future payments

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

Note

Set up Stripe
Server-side

Create or retrieve a Customer
Server-side

Create a SetupIntent
Server-side

Collect payment method details and mandate acknowledgment
Client-side

Set up Stripe Elements

Add and configure an IBAN Element

Submit the payment method details to Stripe
Client-side

Test the integration

Test IBANs

OptionalValidate the IBAN Element

See also

Save SEPA Direct Debit details for future payments

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

Note

Set up StripeServer-side

Create or retrieve a CustomerServer-side

Create a SetupIntentServer-side

Collect payment method details and mandate acknowledgmentClient-side

Set up Stripe Elements

Add and configure an IBAN Element

Submit the payment method details to StripeClient-side

Test the integration

Test IBANs

OptionalValidate the IBAN Element

See also

Set up Stripe
Server-side

Create or retrieve a Customer
Server-side

Create a SetupIntent
Server-side

Collect payment method details and mandate acknowledgment
Client-side

Submit the payment method details to Stripe
Client-side