Accept a Sofort payment

Sofort is a single use, delayed notification payment method that requires customers to authenticate their payment. Customers pay with Sofort by redirecting from your app to their bank’s portal to authenticate the payment. It typically takes 2 to 14 days to receive notification of success or failure.

# Available as a gem
sudo gem install stripe

# If you use bundler, you can add this line to your Gemfile
gem 'stripe'

plugins {
    id("com.android.application")
}

android { ... }

dependencies {
  // ...

  // Stripe Android SDK
  implementation("com.stripe:stripe-android:21.23.0")
  // Include the financial connections SDK to support US bank account as a payment method
  implementation("com.stripe:financial-connections:21.23.0")
}

import com.stripe.android.PaymentConfiguration

class MyApp : Application() {
    override fun onCreate() {
        super.onCreate()
        PaymentConfiguration.init(
            applicationContext,
            
"pk_test_TYooMQauvdEDq54NiTphI7jx"
        )
    }
}

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]"=sofort

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=1099 \
  -d currency=eur \
  -d "payment_method_types[]"=sofort \
  -d "payment_method_options[sofort][preferred_language]"=de

class SofortPaymentActivity: AppCompatActivity() {
    private lateinit var paymentIntentClientSecret: String

    override fun onCreate(savedInstanceState: Bundle?) {
        // ...
        startCheckout()
    }


    private fun startCheckout() {
        // Request a PaymentIntent from your server and store its client secret
    }
}

val paymentMethodCreateParams = PaymentMethodCreateParams.create(
  PaymentMethodCreateParams.Sofort(country = "de")
)

class SofortPaymentActivity : AppCompatActivity() {
    // ...
    private lateinit var paymentIntentClientSecret: String
    private val paymentLauncher: PaymentLauncher by lazy {
        val paymentConfiguration = PaymentConfiguration.getInstance(applicationContext)
        PaymentLauncher.Companion.create(
            this,
            paymentConfiguration.publishableKey,
            paymentConfiguration.stripeAccountId,
            ::onPaymentResult
        )
    }

    private fun startCheckout() {
        // ...

        val confirmParams = ConfirmPaymentIntentParams
                .createWithPaymentMethodCreateParams(
                  paymentMethodCreateParams = paymentMethodCreateParams,
                  clientSecret = paymentIntentClientSecret
                )
        paymentLauncher.confirm(confirmParams)
    }

    private fun onPaymentResult(paymentResult: PaymentResult) {
        when (paymentResult) {
            is PaymentResult.Completed -> {
                // show success UI
            }
            is PaymentResult.Canceled -> {
                // handle cancel flow
            }
            is PaymentResult.Failed -> {
                // handle failures
                // (for example, the customer may need to choose a new payment
                // method)
            }
        }
    }
}

Handle post-payment events

As Sofort is a delayed notification payment method, the PaymentIntent’s status remains in a payment_intent.processing state for up to 14 days from its creation (also known as the cut-off date). In a sandbox, the PaymentIntent’s status remains in the processing state for three minutes to simulate this.

• Stripe recommends fulfilling purchases during the processing state. On average, you can expect approximately 0.2% of Sofort payment attempts to fail after entering the processing state. This only applies to Sofort payments due to its low payment failure rate and doesn’t apply to other delayed notification payment methods.
• You may prefer to fulfil orders only after receiving the payment_intent.succeeded event. Stripe sends this event after the payment attempt is confirmed and the funds are guaranteed.
• If a customer doesn’t pay, Stripe sends the payment_intent.failed event and the PaymentIntent returns to a status of requires_payment_method.

Use the Dashboard, a custom webhook, or a partner solution to receive these events and run actions, like sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow.

Manually

Use the Stripe Dashboard to view all your Stripe payments, send email receipts, handle payouts, or retry failed payments.

• View your test payments in the Dashboard

Custom code

Build a webhook handler to listen for events and build custom asynchronous payment flows. Test and debug your webhook integration locally with the Stripe CLI.

• Build a custom webhook

Prebuilt apps

Handle common business events, like automation or marketing and sales, by integrating a partner application.

Disputed payments

The risk of fraud or unrecognized payments is low because the customer must authenticate the payment with their bank. As a result, you won’t have disputes that turn into chargebacks, with funds withdrawn from your Stripe account.

Failed attempts

If a payment attempt hasn’t been confirmed within the cut-off time, the PaymentIntent object’s status automatically transitions from processing to requires_payment_method. Additionally, if the funds are received after the cut-off date, the customer is automatically refunded.

On average, you can expect approximately 0.2% of Sofort payment attempts to fail. This may vary based on your industry or customer base. Depending on your average payment amount, the type of products or service you provide, and the risk associated with your business, you may prefer to fulfill orders only after receiving the payment_intent.succeeded event.

Refunds

Sofort only accepts refund requests within 180 days from the date of the original payment. After 180 days, it’s no longer possible to refund the payment.

You can submit a refund against pending charges that haven’t been confirmed yet. If you create a full or partial refund when a PaymentIntent’s status is processing, the refund occurs only after the PaymentIntent’s status is succeeded. If the PaymentIntent’s status is requires_payment_method after a payment attempt fails, full and partial refunds are marked as cancelled because the money never left the customer’s bank account.