# SeQura payments

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

SeQura 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 family: Buy now, pay later
Usability: Single-use
Access type: Instant provisional access
Payment confirmation timing: Immediate
Settlement timing: Standard payout schedule
## Eligibility and availability 

### Account eligibility
Business location: ES
Account type: ✓ Merchant, ✓ Platform or marketplace (Connect)
Business model: ✓ B2B, ✓ B2C
Business category: View list of prohibited and restricted business categories
In addition to businesses restricted by Stripe’s prohibited and restricted businesses policy, 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

Review the list of *merchant category codes* (A Merchant Category Code (MCC) is a four-digit number that classifies the type of goods or services a business offers) that are prohibited or restricted for SeQura.

- **Prohibited**: You can’t use this payment method with these MCCs.
- **Restricted**: You might be able to use this payment method with these MCCs, but you must provide additional information when you create the account.

| MCC | Description | Type |
| --- | --- | --- |
| 0763 | Agricultural Cooperative | Prohibited |
| 0780 | Landscaping Services | Prohibited |
| 1520 | General Services | Prohibited |
| 1711 | Heating, Plumbing, A/C | Prohibited |
| 1731 | Electrical Services | Prohibited |
| 1740 | Masonry, Stonework, and Plaster | Prohibited |
| 1750 | Carpentry Services | Prohibited |
| 1761 | Roofing and Siding, Sheet Metal | Prohibited |
| 1771 | Concrete Work Services | Prohibited |
| 1799 | Special Trade Services | Prohibited |
| 2741 | Miscellaneous Publishing and Printing | Prohibited |
| 2791 | Typesetting, Plate Making, and Related Services | Prohibited |
| 2842 | Specialty Cleaning | Prohibited |
| 4011 | Railroads | Prohibited |
| 4111 | Commuter Transport, Ferries | Prohibited |
| 4119 | Ambulance Services | Prohibited |
| 4121 | Taxicabs and Limousines | Prohibited |
| 4214 | Motor Freight Carriers and Trucking | Prohibited |
| 4215 | Courier Services | Prohibited |
| 4225 | Public Warehousing and Storage | Prohibited |
| 4457 | Boat Rentals and Leases | Prohibited |
| 4468 | Marinas, Service and Supplies | Prohibited |
| 4511 | Airlines, Air Carriers | Prohibited |
| 4582 | Airports, Flying Fields | Prohibited |
| 4722 | Travel Agencies, Tour Operators | Prohibited |
| 4723 | TUI Travel - Germany | Prohibited |
| 4784 | Tolls and Bridge Fees | Prohibited |
| 4812 | Telecommunication Equipment and Telephone Sales | Prohibited |
| 4814 | Telecommunication Services | Prohibited |
| 4816 | Computer Network Services | Prohibited |
| 4821 | Telegraph Services | Prohibited |
| 4829 | Money Orders - Wire Transfers | Prohibited |
| 4899 | Cable, Satellite, and Other Pay Television and Radio | Prohibited |
| 4900 | Utilities | Prohibited |
| 5013 | Motor Vehicle Supplies and New Parts | Prohibited |
| 5021 | Office and Commercial Furniture | Prohibited |
| 5039 | Construction Materials (Not Elsewhere Classified) | Prohibited |
| 5044 | Photographic, Photocopy, Microfilm Equipment, and Supplies | Prohibited |
| 5046 | Commercial Equipment (Not Elsewhere Classified) | Prohibited |
| 5047 | Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies | Prohibited |
| 5051 | Metal Service Centers | Prohibited |
| 5065 | Electrical Parts and Equipment | Prohibited |
| 5074 | Plumbing, Heating Equipment, and Supplies | Prohibited |
| 5085 | Industrial Supplies (Not Elsewhere Classified) | Prohibited |
| 5094 | Precious Stones and Metals, Watches and Jewelry | Prohibited |
| 5111 | Stationery, Office Supplies, Printing and Writing Paper | Prohibited |
| 5122 | Drugs, Drug Proprietaries, and Druggist Sundries | Prohibited |
| 5131 | Piece Goods, Notions, and Other Dry Goods | Prohibited |
| 5137 | Men's Women's and Children's Uniforms and Commercial Clothing | Prohibited |
| 5139 | Commercial Footwear | Prohibited |
| 5169 | Chemicals and Allied Products (Not Elsewhere Classified) | Prohibited |
| 5172 | Petroleum and Petroleum Products | Prohibited |
| 5192 | Books, Periodicals, and Newspapers | Prohibited |
| 5199 | Nondurable Goods (Not Elsewhere Classified) | Prohibited |
| 5262 | Marketplaces | Prohibited |
| 5271 | Mobile Home Dealers | Prohibited |
| 5411 | Grocery Stores, Supermarkets | Prohibited |
| 5422 | Freezer and Locker Meat Provisioners | Prohibited |
| 5441 | Candy, Nut, and Confectionery Stores | Prohibited |
| 5451 | Dairy Products Stores | Prohibited |
| 5462 | Bakeries | Prohibited |
| 5499 | Miscellaneous Food Stores | Prohibited |
| 5511 | Car and Truck Dealers (New & Used) | Prohibited |
| 5521 | Car and Truck Dealers (Used Only) | Prohibited |
| 5551 | Boat Dealers | Prohibited |
| 5552 | Electric Vehicle Charging | Prohibited |
| 5561 | Motorcycle Shops, Dealers | Prohibited |
| 5571 | Motorcycle Shops and Dealers | Prohibited |
| 5592 | Motor Homes Dealers | Prohibited |
| 5598 | Snowmobile Dealers | Prohibited |
| 5697 | Tailors, Alterations | Prohibited |
| 5734 | Computer Software Stores | Prohibited |
| 5811 | Caterers | Prohibited |
| 5812 | Eating Places, Restaurants | Prohibited |
| 5813 | Drinking Places | Prohibited |
| 5814 | Fast Food Restaurants | Prohibited |
| 5815 | Digital Goods Media – Books, Movies, Music | Prohibited |
| 5816 | Digital Goods – Games | Prohibited |
| 5817 | Digital Goods – Applications (Excludes Games) | Prohibited |
| 5818 | Digital Goods – Large Digital Goods Merchant | Prohibited |
| 5921 | Package Stores-Beer, Wine, and Liquor | Prohibited |
| 5933 | Pawn Shops | Prohibited |
| 5935 | Wrecking and Salvage Yards | Prohibited |
| 5960 | Direct Marketing - Insurance Services | Prohibited |
| 5962 | Direct Marketing - Travel | Prohibited |
| 5963 | Door-To-Door Sales | Prohibited |
| 5966 | Direct Marketing - Outbound Telemarketing | Prohibited |
| 5967 | Adult Content and Services | Prohibited |
| 5968 | Direct Marketing - Subscription | Prohibited |
| 5969 | Direct Marketing - Other | Prohibited |
| 5978 | Typewriter Stores | Prohibited |
| 5983 | Fuel Dealers (Non Automotive) | Prohibited |
| 5992 | Florists | Prohibited |
| 5993 | Cigar Stores and Stands | Prohibited |
| 6010 | Manual Cash Disburse | Prohibited |
| 6011 | Financial Service | Prohibited |
| 6012 | Financial Institutions | Prohibited |
| 6051 | Cryptocurrency exchanges and wallets | Prohibited |
| 6211 | Security Brokers and Dealers | Prohibited |
| 6300 | Insurance Underwriting, Premiums | Prohibited |
| 6513 | Real Estate Agents and Managers - Rentals | Prohibited |
| 6540 | Non-FI, Stored Value Card Purchase and Load | Prohibited |
| 7011 | Hotels, Motels, and Resorts | Prohibited |
| 7012 | Timeshares | Prohibited |
| 7032 | Sporting and Recreation Camps | Prohibited |
| 7033 | Trailer Parks, Campgrounds | Prohibited |
| 7210 | Laundry, Cleaning Services | Prohibited |
| 7211 | Laundries | Prohibited |
| 7216 | Dry Cleaners | Prohibited |
| 7217 | Carpet and Upholstery Cleaning | Prohibited |
| 7230 | Barber and Beauty Shops | Prohibited |
| 7251 | Shoe Repair and Hat Cleaning | Prohibited |
| 7261 | Funeral Services, Crematories | Prohibited |
| 7273 | Dating and Escort Services | Prohibited |
| 7276 | Tax Preparation Services | Prohibited |
| 7277 | Counseling Services | Prohibited |
| 7278 | Buying and Shopping Services | Prohibited |
| 7296 | Clothing Rental | Prohibited |
| 7297 | Massage Parlors | Prohibited |
| 7299 | Miscellaneous General Services | Prohibited |
| 7311 | Advertising Services | Prohibited |
| 7321 | Credit Reporting Agencies | Prohibited |
| 7333 | Commercial Photography, Art and Graphics | Prohibited |
| 7338 | Quick Copy, Repro, and Blueprint | Prohibited |
| 7339 | Secretarial Support Services | Prohibited |
| 7342 | Exterminating Services | Prohibited |
| 7349 | Cleaning and Maintenance | Prohibited |
| 7361 | Employment and Temp Agencies | Prohibited |
| 7372 | Computer Programming | Prohibited |
| 7375 | Information Retrieval Services | Prohibited |
| 7379 | Computer Repair | Prohibited |
| 7392 | Consulting, Public Relations | Prohibited |
| 7393 | Detective Agencies | Prohibited |
| 7394 | Equipment Rental | Prohibited |
| 7395 | Photo Developing | Prohibited |
| 7399 | Miscellaneous Business Services | Prohibited |
| 7512 | Car Rental Agencies | Prohibited |
| 7513 | Truck and Utility Trailer Rentals | Prohibited |
| 7519 | Recreational Vehicle Rentals | Prohibited |
| 7523 | Parking Lots, Garages | Prohibited |
| 7542 | Car Washes | Prohibited |
| 7549 | Towing Services | Prohibited |
| 7622 | Electronics Repair Shops | Prohibited |
| 7623 | A/C, Refrigeration Repair | Prohibited |
| 7629 | Small Appliance Repair | Prohibited |
| 7631 | Watch and Jewelry Repair | Prohibited |
| 7641 | Furniture Repair, Refinishing | Prohibited |
| 7692 | Welding Repair | Prohibited |
| 7699 | Miscellaneous Repair Shops | Prohibited |
| 7800 | Government-Owned Lotteries (US Region only) | Prohibited |
| 7801 | Government Licensed On-line Casinos (On-Line Gambling) | Prohibited |
| 7802 | Government-Licensed Horse and Dog Racing | Prohibited |
| 7829 | Picture and Video Production | Prohibited |
| 7832 | Motion Picture Theaters | Prohibited |
| 7841 | Video Tape Rental Stores | Prohibited |
| 7911 | Dance Hall, Studios, Schools | Prohibited |
| 7922 | Theatrical Ticket Agencies | Prohibited |
| 7929 | Bands, Orchestras | Prohibited |
| 7932 | Billiard and Pool Establishments | Prohibited |
| 7933 | Bowling Alleys | Prohibited |
| 7941 | Sports Clubs and Fields | Prohibited |
| 7993 | Video Amusement Game Supplies | Prohibited |
| 7994 | Video Game Arcades | Prohibited |
| 7995 | Betting and Casino Gambling | Prohibited |
| 7996 | Amusement Parks and Carnivals | Prohibited |
| 7997 | Country Clubs | Prohibited |
| 7999 | Miscellaneous Recreation Services | Prohibited |
| 8011 | Doctors | Prohibited |
| 8021 | Dentists and Orthodontists | Prohibited |
| 8031 | Osteopaths | Prohibited |
| 8041 | Chiropractors | Prohibited |
| 8042 | Optometrists, Ophthalmologist | Prohibited |
| 8043 | Opticians, Eyeglasses | Prohibited |
| 8049 | Chiropodists, Podiatrists | Prohibited |
| 8050 | Nursing and Personal Care | Prohibited |
| 8062 | Hospitals | Prohibited |
| 8071 | Medical and Dental Labs | Prohibited |
| 8099 | Medical Services | Prohibited |
| 8111 | Legal Services, Attorneys | Prohibited |
| 8211 | Elementary, Secondary Schools | Prohibited |
| 8220 | Colleges, Universities | Prohibited |
| 8241 | Correspondence Schools | Prohibited |
| 8244 | Business and Secretarial Schools | Prohibited |
| 8249 | Vocational and Trade Schools | Prohibited |
| 8299 | Educational Services | Prohibited |
| 8351 | Child Care Services | Prohibited |
| 8398 | Charitable and Social Service Organizations - Fundraising | Prohibited |
| 8641 | Civic, Social, Fraternal Associations | Prohibited |
| 8651 | Political Organizations | Prohibited |
| 8661 | Religious Organizations | Prohibited |
| 8675 | Automobile Associations | Prohibited |
| 8699 | Membership Organizations | Prohibited |
| 8734 | Testing Laboratories | Prohibited |
| 8911 | Architectural and Surveying Services | Prohibited |
| 8931 | Accounting and Bookkeeping Services | Prohibited |
| 8999 | Professional Services | Prohibited |
| 9211 | Court Costs | Prohibited |
| 9222 | Fines - Government Administrative Entities | Prohibited |
| 9223 | Bail and Bond Payments | Prohibited |
| 9399 | Government Services (Not Elsewhere Classified) | Prohibited |
| 9406 | Government-Owned Lotteries (Non-US region) | Prohibited |
| 9950 | Intra-Company Purchases | Prohibited |

Stripe accounts in the following countries can accept SeQura payments that settle in a supported currency.

EMEA: ES

Customers in the following countries can use SeQura.

EMEA: ES

### Payment support
Customer location: ES
Presentment currency: EUR
Geographic coverage: ✓ Domestic, ✗ Crossborder
Transaction limits: Minimum amount: 29.00 EUR

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

### Payment options

### ES

| Payment option | Description | Amount range |
| --- | --- | --- |
| Installments | Customers choose their repayment option at checkout. | EUR 29–EUR 3,000 |

## Capabilities 
Recurring payments: ✗ Not supported

Payment authorizations:
  ✗ Extended authorizations
  ✗ Flexible extended authorizations
  ✗ Incremental authorizations
  ✗ Decremental authorizations
  ✗ Re-authorizations

Payment captures:
  ✓ Manual capture
  ✓ Partial capture
  ✗ Multi-capture
  ✗ Over-capture

Refunds:
  ✓ Partial refunds
  ✓ Full refunds
  Submission window: 180 days
  Processing time: 5 minutes

Disputes:
  ✗ Partial disputes
  ✓ Full disputes
  Submission window: 120 days
### Refunds 

SeQura requires that you submit a refund within 180 days from the original payment using the [Dashboard](https://dashboard.stripe.com/payments) or [Refunds API](https://docs.stripe.com/api/refunds/create.md). This is the maximum the payment method allows. Your return policy determines what you offer customers.

Refunds for SeQura payments are asynchronous and take up to 5 minutes to complete. You can’t cancel SeQura refunds.

#### Refund process 

When you refund a SeQura payment, SeQura updates the buyer’s installment plan. For a full refund, SeQura cancels the buyer’s remaining installments and returns any amounts they have already paid to their original card. For a partial refund, SeQura recalculates the remaining installments to the lower order total, so the buyer receives money back only once no future installments remain.

#### Tracking refunds 

To check a refund’s status, open the payment in the [Dashboard](https://dashboard.stripe.com/payments) and click **View details** on the refund entry. You can also [retrieve the Refund object](https://docs.stripe.com/api/refunds/retrieve.md) and check its `status` field.

Stripe notifies you of the final status through a `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 object](https://docs.stripe.com/api/refunds/object.md) status changes to `succeeded`. If the refund fails, the status changes to `failed` and Stripe returns the amount to your Stripe balance. You must refund the customer using another method.

### Disputes 

Customers have up to 120 calendar days from the date of purchase to file SeQura disputes. SeQura payments can only be disputed once.

#### Dispute process 

1. **Dispute opened**: SeQura opens a dispute. Stripe immediately withholds the disputed amount from your balance. You have 15 calendar days to submit evidence.
2. **Decision**: SeQura reviews your evidence and issues a final decision within 25 calendar days of dispute creation.

#### Dispute notifications 

When SeQura disputes are opened, Stripe notifies you through:

- Email
- The [Stripe Dashboard](https://dashboard.stripe.com/disputes)
- A [charge.dispute.created](https://docs.stripe.com/api/events/types.md#event_types-charge.dispute.created) event

The dispute reason is available in the Dashboard and in the `reason` field of the [Dispute object](https://docs.stripe.com/api/disputes/object.md). The evidence submission deadline is available in the Dashboard and in the `evidence_due_by` field of the Dispute object.

#### Responding to disputes 

You have 15 calendar days from dispute creation to submit evidence.

Upload compelling evidence in the Stripe Dashboard 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 purchases you’ve already refunded)

You can submit evidence and manage SeQura disputes in the [Dashboard](https://dashboard.stripe.com/disputes) or programmatically using the [Disputes API](https://docs.stripe.com/api/disputes/update.md). In the Dashboard, go to the **Needs response** tab, click the disputed payment, then click **Counter dispute** to submit your evidence, or **Accept dispute** to accept the loss. To submit evidence through the API, upload supporting files using the [Files API](https://docs.stripe.com/api/files/create.md) and include the returned file IDs when you update the [Dispute Evidence object](https://docs.stripe.com/api/disputes/update.md).

#### Dispute outcomes 

If SeQura resolves the dispute in your favor, Stripe returns the disputed amount to your Stripe balance.

If they rule in favor of the customer, the balance charge becomes permanent.

SeQura disputes allow only a single round of evidence submission. Make sure to gather all necessary evidence before submitting—you won’t be able to supplement it afterward.

## Stripe product support 
Checkout UIs:
  ✓ Full page (Recommended)
  ✓ Payment Links
  ✓ Embedded form
  ✓ Payment Element
  ✗ Express Checkout Element
  ✗ Payment Method Messaging Element
  ✓ In-app payments

Products:
  ✗ Managed Payments
  ✓ Billing
  ✓ Invoicing
  ✗ Adaptive Pricing
  ✗ Customer Portal
  ✓ Radar
  ✗ Terminal
  ✓ Connect

APIs:
  ✓ Checkout Sessions (Recommended)
  ✓ Payment Intents
  ✗ Payment Intents with setup_future_usage
  ✗ Setup Intents
  ✗ Off-session payments

1. Only supports send_invoice collection method.
### Invoices 

Invoices using SeQura only support the [`send_invoice`](https://docs.stripe.com/api/invoices/object.md#invoice_object-collection_method) collection method.

### Payment line items 

SeQura uses the contents of the shopper’s cart in its risk assessment. Send [payment line items](https://docs.stripe.com/payments/payment-line-items.md) with every SeQura payment so that SeQura receives the product name, product code, unit cost, quantity, tax, and discount for each item.

- **Checkout:** Stripe automatically sends the line items from your Checkout Session.
- **Payment Intents API:** Pass `amount_details[line_items]` when you create or update the PaymentIntent. Without it, SeQura receives only the total amount.

## Connect 

| Capability | Requirement |
| --- | --- |
| `sequra_payments` | Connected accounts must have this capability enabled. Request it during account creation or by updating an existing connected account. |

If you use Connect, you must consider the following before you enable SeQura on connected accounts. To accept SeQura payments, connected accounts must have the sequra_payments capability enabled. You can request this capability during account creation or update an existing connected account. How you structure the charge also matters: with direct charges, the connected account is the merchant of record and their statement descriptor appears on the customer’s bank statement. With destination charges or transfer charges, your platform is the merchant of record. Review the Connect documentation for guidance on charge types and how they interact with payment method capabilities.

## Customer experience 

#### 1. Select payment method

The customer selects SeQura at checkout.

#### 2. Create or log in

On both desktop and mobile, the customer is redirected from your website or app to SeQura's hosted payment page. The payment flow is the same on every device.

#### 3. Accept terms

The customer chooses a repayment option and completes payment authorization on SeQura's hosted page within 60 minutes. If they don't, the payment attempt expires and the PaymentIntent returns to requires_payment_method.

#### 4. Payment Complete

The customer sees a SeQura confirmation screen, then returns to your website or app.

### Transaction identifiers 

Payments made with SeQura appear on the buyer’s statement as SeQura rather than your Stripe statement descriptor. For Connect scenarios, learn more about how [statement descriptors are set with Connect](https://docs.stripe.com/connect/statement-descriptors.md). After a payment completes, expand `latest_charge` on the PaymentIntent to retrieve the SeQura transaction ID from `latest_charge.payment_method_details.sequra.transaction_id`. Share it with customers to help them locate the payment when contacting SeQura support.

## Enable SeQura 

If you use Stripe front-end products, enable SeQura in your [payment method settings](https://dashboard.stripe.com/settings/payment_methods). Stripe automatically determines which payment methods are most relevant to each customer.

If your integration requires manually listing payment methods, you can [configure SeQura as an accepted payment method](https://docs.stripe.com/payments/sequra/accept-a-payment.md).