# SeQura payments

Offer customers the ability to pay when they want while getting paid instantly.

[SeQura](https://www.sequra.com/) is a Spanish buy now, pay later payment method that lets your customers pay in installments. When your customers select SeQura, Stripe redirects them to the SeQura payment page to choose their repayment option and complete the purchase. Stripe notifies you immediately whether the payment succeeded. SeQura payments are presented in EUR.

#### Payment method properties

- **Customer locations**

  Spain

- **Presentment currencies**

  EUR

- **Payment confirmation**

  Customer-initiated

- **Payment method family**

  Buy Now, Pay Later

- **Recurring payments**

  No

- **Payout timing**

  Standard

- **Connect support**

  Yes

- **Dispute support**

  [ Yes ](https://docs.stripe.com/payments/sequra.md#disputed-payments)

- **Manual capture support**

  [ Yes ](https://docs.stripe.com/payments/sequra/accept-a-payment.md)

- **Refunds / Partial refunds**

  [ Yes ](https://docs.stripe.com/payments/sequra.md#refunds) / [ Yes ](https://docs.stripe.com/payments/sequra.md#refunds)

#### Business locations

Stripe accounts in the following countries can accept SeQura payments that settle in a [supported currency](https://docs.stripe.com/payments/sequra.md#supported-currencies).

- ES

#### Product support

- Connect
- Payment Links
- [Checkout](https://docs.stripe.com/payments/sequra/accept-a-payment.md?payment-ui=checkout)1
- [Elements](https://docs.stripe.com/payments/sequra/accept-a-payment.md?payment-ui=elements&api-integration=checkout)2

1Not supported when using Checkout in [subscription mode or setup mode](https://docs.stripe.com/api/checkout/sessions/create.md#create_checkout_session-mode).

2Express Checkout Element doesn’t support SeQura.

### Interested in getting early access to SeQura?

Enter your email to request access.

```bash
curl https://docs.stripe.com/preview/register \
  -X POST \
  -H "Content-Type: application/json" \
  -H "Referer: https://docs.stripe.com/payments/sequra" \
  -d '{"email": "EMAIL", "preview": "sequra_preview"}'
```

## Payment flow 

Below is a demonstration of the SeQura payment flow from your checkout page:
![](https://d37ugbyn3rpeym.cloudfront.net/videos/sequra_checkout_demo.mp4)
## Get started 

You don’t have to integrate SeQura and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the [Stripe Dashboard](https://dashboard.stripe.com/settings/payment_methods) and enable SeQura. To get started with one of our hosted UIs, follow a quickstart:

- [Checkout](https://docs.stripe.com/checkout/quickstart.md): Our prebuilt, hosted checkout page.
- [Elements](https://docs.stripe.com/payments/quickstart.md): Our drop-in UI components.

### Other payment products

The following Stripe products also let you add SeQura from the Dashboard:

- [Payment Links](https://docs.stripe.com/payment-links.md)

If your integration requires manually listing payment methods, learn how to [ configure SeQura](https://docs.stripe.com/payments/sequra/accept-a-payment.md). 

## Payment options

The minimum charge amount is 29.00 EUR. The maximum charge amount is 3,000.00 EUR.

## Prohibited and restricted business categories

In addition to businesses restricted by Stripe’s [prohibited and restricted businesses policy](https://stripe.com/restricted-businesses), the following businesses are also prohibited from using SeQura:

- Adult content and services
- Betting, gambling, and lotteries
- Cryptocurrency exchanges and wallets
- Direct marketing and outbound telemarketing
- Financial services and money services
- Government and political organizations
- Hotels, accommodation, and travel
- Real estate and property rentals
- Telecommunications and digital goods
- Other categories at the discretion of SeQura

## Disputes 

SeQura has a claims process that allows transaction disputes. Customers can open disputes for cases of suspected fraud, double payments, or a difference between an order and a transaction amount.

After the customer initiates a dispute, Stripe notifies you using:

- Email
- The Stripe Dashboard
- An API `charge.dispute.created` event (if your integration is set up to receive [webhooks](https://docs.stripe.com/webhooks.md))

Stripe holds back the disputed amount from your balance until SeQura resolves the dispute.

Upload compelling evidence in the [Stripe Dashboard](https://docs.stripe.com/disputes/responding.md#respond) proving that you fulfilled the purchase order. This evidence can include:

- Tracking ID
- Shipping date
- Record of purchase for intangible goods, such as IP address or email receipt
- Record of purchase for services or physical goods, such as phone number or proof of receipt
- Record of refund (for purchase you’ve already refunded)

To handle disputes programmatically, [respond to disputes using the API](https://docs.stripe.com/disputes/api.md).

This information helps SeQura determine whether a dispute is valid. Make sure the evidence you provide contains as much detail as possible from what the customer provided at checkout. You must submit the requested information within 12 calendar days. If SeQura resolves the dispute with you winning, we return the disputed amount to your Stripe balance. If SeQura rules in favor of the customer, the disputed amount stays with the customer.

## Refunds

SeQura supports full and partial refunds.

- The refund period is up to 180 days after the purchase.
- Refunds for SeQura payments are asynchronous and take up to 5 minutes to complete.

Stripe notifies you of the final refund status using the `refund.updated` or `refund.failed` *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) event. When a refund succeeds, the [Refund](https://docs.stripe.com/api/refunds/object.md) object’s status transitions to `succeeded`. If a refund fails (the `Refund` object’s status transitions to `failed`), then we return the amount to your Stripe balance, and you must arrange an alternative way of providing your customer with a refund.

## Connect 

If you use *Connect* (Connect is Stripe's solution for multi-party businesses, such as marketplace or software platforms, to route payments between sellers, customers, and other recipients), you must consider the following before you enable and use SeQura.

### Request SeQura capabilities for your connected accounts

Set the `sequra_payments` capability to `active` on your platform account, and on any connected accounts you want to enable SeQura for. You can also [request more account capabilities](https://docs.stripe.com/connect/account-capabilities.md#requesting-unrequesting).

### Merchant of record and statement descriptors 

The [charge type](https://docs.stripe.com/connect/charges.md) of Connect payments might change the default statement descriptor and the merchant name that appears on the customer’s banking application and confirmation emails.

| Charge type | Descriptor taken from |
| --- | --- |
| Direct | Connected account |
| Destination | Platform |
| Separate charge and transfer | Platform |
| Destination (with `on_behalf_of`) | Connected account |
| Separate charge and transfer (with `on_behalf_of`) | Connected account |

To check or update your statement descriptor, go to your [account settings](https://docs.stripe.com/get-started/account/statement-descriptors.md). For Connect integrations, see [setting statement descriptors with Connect](https://docs.stripe.com/connect/statement-descriptors.md).

## Supported currencies

SeQura payments are presented in EUR. SeQura is available to customers in Spain.