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Beyond payments

Accept a SEPA Direct Debit payment

Learn to accept SEPA Direct Debit payments.

Caution

Stripe can automatically present the relevant payment methods to your customers by evaluating currency, payment method restrictions, and other parameters.

  • Follow the Accept a payment guide to build a Checkout integration that uses dynamic payment methods.
  • If you don’t want to use dynamic payment methods, follow the steps below to manually configure the payment methods in your Checkout integration.

Accepting SEPA Direct Debit payments on your website consists of creating an object to track a payment, collecting payment method information and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses this payment object, the PaymentIntent, to track and handle all the states of the payment until the payment completes.

Note

SEPA Direct Debit is a delayed notification payment method, which means that funds are not immediately available after payment. A payment typically takes 5 business days to arrive in your account.

Determine compatibility

To support SEPA Direct Debit payments in Checkout, Prices for all line items must be expressed in Euro (currency code eur).

Accept a payment

Note

This guide builds on the foundational accept a payment Checkout integration.

Use this guide to learn how to enable SEPA Direct Debit—it shows the differences between accepting payments using dynamic payment methods and manually configuring payment methods.

Enable SEPA Direct Debit as a payment method

When creating a new Checkout Session, you need to:

  1. Add sepa_debit to the list of payment_method_types.
  2. Make sure all your line_items use the eur currency.
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curl https://api.stripe.com/v1/checkout/sessions \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "line_items[0][price_data][currency]"=eur \
  -d "line_items[0][price_data][product_data][name]"=T-shirt \
  -d "line_items[0][price_data][unit_amount]"=2000 \
  -d "line_items[0][quantity]"=1 \
  -d mode=payment \
  -d "payment_method_types[0]"=card \
  -d "payment_method_types[1]"=sepa_debit \
  --data-urlencode success_url="https://example.com/success"

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Test your integration

Stripe provides several test numbers you can use to make sure your integration is ready for production.

Use the SEPA Direct Debit test numbers when testing your Checkout integration with SEPA Direct Debit.

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.

Handle refunds and disputes

The refund period for SEPA Direct Debit is up to 180 days after the original payment.

Customers can dispute a payment through their bank up to 13 months after the original payment and there’s no appeal process.

Learn more about SEPA Direct Debit disputes.

See also

Proxying: stripe.com/en-ch/docs/payments/sepa-debit/accept-a-payment ✕