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HomePaymentsBank debitsSEPA Direct Debit

Save SEPA Direct Debit details for future payments

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

You can use Checkout in setup mode to collect SEPA Direct Debit payment details in advance, with the final amount or payment date determined later. This is useful for:

1 Create or retrieve a Customer Server-side

To reuse a SEPA Direct Debit payment method 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 is making a payment as a guest, you can still create a Customer object before payment 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 this payment. Include the following code on your server to create a new customer.

curl https://api.stripe.com/v1/customers \
  -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \
  -X POST

# Set your secret key. Remember to switch to your live secret key in production!
# See your keys here: https://dashboard.stripe.com/account/apikeys
Stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc'

customer = Stripe::Customer.create

# Set your secret key. Remember to switch to your live secret key in production!
# See your keys here: https://dashboard.stripe.com/account/apikeys
stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc'

customer = stripe.Customer.create()

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
\Stripe\Stripe::setApiKey('sk_test_4eC39HqLyjWDarjtT1zdp7dc');

$customer = \Stripe\Customer::create();

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
Stripe.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc";

CustomerCreateParams params =
  CustomerCreateParams.builder()
    .build();

Customer customer = Customer.create(params);

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
const Stripe = require('stripe');
const stripe = Stripe('sk_test_4eC39HqLyjWDarjtT1zdp7dc');

const customer = await stripe.customers.create();

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
stripe.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"

params := &stripe.CustomerParams{}
c, _ := customer.New(params)

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc";

var options = new CustomerCreateOptions{};

var service = new CustomerService();
var customer = service.Create(options);

2 Set up future payments

This guide walks you through enabling SEPA Direct Debit and shows the differences between setting up future payments for cards and using SEPA Direct Debit.

Enable SEPA Direct Debit as a payment method

When creating a new Checkout Session, you need to add sepa_debit to the list of payment_method_types.

Stripe::Checkout::Session.create({
  mode: 'setup',
  payment_method_types: ['card'],
  payment_method_types: ['sepa_debit'],

  # or you can take multiple payment methods with
  # payment_method_types: ['card', 'sepa_debit', ...]
  customer: customer.id,
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})
stripe.checkout.Session.create(
  payment_method_types=['card'],
  payment_method_types=['sepa_debit'],

  # or you can take multiple payment methods with
  # payment_method_types=['card', 'sepa_debit', ...]
  mode='setup',
  customer=customer.id,
  success_url='https://example.com/success',
  cancel_url='https://example.com/cancel',
)
$session = \Stripe\Checkout\Session::create([
  'payment_method_types' => ['card'],
  'payment_method_types' => ['sepa_debit'],
  // or you can take multiple payment methods with
  // 'payment_method_types' => ['card', 'sepa_debit', ...]
  'mode' => 'setup',
  'customer' => $customer->id,
  'success_url' => 'https://example.com/success',
  'cancel_url' => 'https://example.com/cancel',
]);
SessionCreateParams params =
  SessionCreateParams.builder()
    .addPaymentMethodType(SessionCreateParams.PaymentMethodType.CARD)
    .addPaymentMethodType(SessionCreateParams.PaymentMethodType.SEPA_DEBIT)
    .setMode(SessionCreateParams.Mode.SETUP)
    .setCustomer(customer.getId())
    .setSuccessUrl("https://example.com/success")
    .setCancelUrl("https://example.com/cancel")
    .build();

Session session = Session.create(params);
const session = await stripe.checkout.sessions.create({
  payment_method_types: ['card'],
  payment_method_types: ['sepa_debit'],

  // or you can take multiple payment methods with
  // payment_method_types: ['card', 'sepa_debit', ...]
  mode: 'setup',
  customer: customer.id,
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
});
params := &stripe.CheckoutSessionParams{
  PaymentMethodTypes: stripe.StringSlice([]string{
    "card",
    "sepa_debit",
  }),
  Mode: stripe.String(string(stripe.CheckoutSessionModeSetup)),
  Customer: stripe.String(c.ID),
  SuccessURL: stripe.String("https://example.com/success"),
  CancelURL: stripe.String("https://example.com/cancel"),
}

s, _ := session.New(params)
var options = new SessionCreateOptions
{
  PaymentMethodTypes = new List<string>
  {
    "card",
    "sepa_debit",
  },
  Mode = "setup",
  Customer = customer.Id,
  SuccessUrl = "https://example.com/success",
  CancelUrl = "https://example.com/cancel",
};

var service = new SessionService();
var session = service.Create(options);

3 Test your integration

You can test your integration using the test account numbers below.

Test account numbers
Account Number Description
AT611904300234573201 The payment method details are successfully collected.
Account Number Description
BE62510007547061 The payment method details are successfully collected.
Account Number Description
DK5000400440116243 The payment method details are successfully collected.
Account Number Description
EE382200221020145689 The payment method details are successfully collected.
Account Number Description
FI2112345600000785 The payment method details are successfully collected.
Account Number Description
FR1420041010050500013M02606 The payment method details are successfully collected.
Account Number Description
DE89370400440532013000 The payment method details are successfully collected.
Account Number Description
IE29AIBK93115212345678 The payment method details are successfully collected.
Account Number Description
IT40S0542811101000000123456 The payment method details are successfully collected.
Account Number Description
LT121000011101001000 The payment method details are successfully collected.
Account Number Description
LU280019400644750000 The payment method details are successfully collected.
Account Number Description
NL39RABO0300065264 The payment method details are successfully collected.
Account Number Description
NO9386011117947 The payment method details are successfully collected.
Account Number Description
PT50000201231234567890154 The payment method details are successfully collected.
Account Number Description
ES0700120345030000067890 The payment method details are successfully collected.
Account Number Description
SE3550000000054910000003 The payment method details are successfully collected.
Account Number Description
GB82WEST12345698765432 The payment method details are successfully collected.

You can use the Setup Intents API to collect payment method details in advance, with the final amount or payment date determined later. This is useful for:

1 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:

# Available as a gem
gem install stripe
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
# Install through pip
pip install --upgrade stripe
# Or find the Stripe package on http://pypi.python.org/pypi/stripe/
# Find the version you want to pin:
# https://github.com/stripe/stripe-python/blob/master/CHANGELOG.md
# Specify that version in your requirements.txt file
stripe>=2.48.0,<3.0
# Install the PHP library via Composer
composer require stripe/stripe-php
# Or download the source directly: https://github.com/stripe/stripe-php/releases
/*
 For Gradle, add the following dependency to your build.gradle and replace {VERSION} with
 the version number you want to use from
 - https://mvnrepository.com/artifact/com.stripe/stripe-java or
 - https://github.com/stripe/stripe-java/releases/latest
*/
implementation "com.stripe:stripe-java:{VERSION}"
<!--
  For Maven, add the following dependency to your POM and replace {VERSION} with the
  version number you want to use from
  - https://mvnrepository.com/artifact/com.stripe/stripe-java or
  - https://github.com/stripe/stripe-java/releases/latest
-->
<dependency>
  <groupId>com.stripe</groupId>
  <artifactId>stripe-java</artifactId>
  <version>{VERSION}</version>
</dependency>
# For other environments, manually install the following JARs:
# - The Stripe JAR from https://github.com/stripe/stripe-java/releases/latest
# - Google Gson from https://github.com/google/gson
# Install via npm
npm install --save stripe
# Make sure your project is using Go Modules
go mod init
# Install stripe-go
go get -u github.com/stripe/stripe-go/v71
// Then import the package
import (
  "github.com/stripe/stripe-go/v71"
)
# Install via dotnet
dotnet add package Stripe.net
dotnet restore
# Or install via NuGet
PM> Install-Package Stripe.net

2 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.

curl https://api.stripe.com/v1/customers \
  -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \
  -X POST

# Set your secret key. Remember to switch to your live secret key in production!
# See your keys here: https://dashboard.stripe.com/account/apikeys
Stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc'

customer = Stripe::Customer.create

# Set your secret key. Remember to switch to your live secret key in production!
# See your keys here: https://dashboard.stripe.com/account/apikeys
stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc'

customer = stripe.Customer.create()

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
\Stripe\Stripe::setApiKey('sk_test_4eC39HqLyjWDarjtT1zdp7dc');

$customer = \Stripe\Customer::create();

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
Stripe.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc";

CustomerCreateParams params =
  CustomerCreateParams.builder()
    .build();

Customer customer = Customer.create(params);

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
const Stripe = require('stripe');
const stripe = Stripe('sk_test_4eC39HqLyjWDarjtT1zdp7dc');

const customer = await stripe.customers.create();

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
stripe.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"

params := &stripe.CustomerParams{}
c, _ := customer.New(params)

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc";

var options = new CustomerCreateOptions{};

var service = new CustomerService();
var customer = service.Create(options);

3 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.:

curl https://api.stripe.com/v1/setup_intents \
  -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \
  -d "payment_method_types[]"=sepa_debit \
  -d customer="{{CUSTOMER_ID}}"

require 'sinatra'
require 'json'
require 'stripe'

# Set your secret key. Remember to switch to your live secret key in production!
# See your keys here: https://dashboard.stripe.com/account/apikeys
Stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc'

get '/wallet' do
  setup_intent = Stripe::SetupIntent.create({
    payment_method_types: ['sepa_debit'],
    customer: customer['id'],
  })
  client_secret = setup_intent['client_secret']
  # Pass the client secret to the client
end

import stripe
import json

from flask import request, render_template

app = Flask(__name__, static_folder=".",
            static_url_path="", template_folder=".")

# Set your secret key. Remember to switch to your live secret key in production!
# See your keys here: https://dashboard.stripe.com/account/apikeys
stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc'

@app.route('/wallet')
def wallet():
  setup_intent = stripe.SetupIntent.create(
    payment_method_types=['sepa_debit'],
    customer=customer['id']
  )
  client_secret = setup_intent.client_secret
  # Pass the client secret to the client

if __name__ == '__main__':
    app.run()

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
\Stripe\Stripe::setApiKey('sk_test_4eC39HqLyjWDarjtT1zdp7dc');

// vendor using composer
require_once('vendor/autoload.php');

$setup_intent = \Stripe\SetupIntent::create([
  'payment_method_types' => ['sepa_debit'],
  'customer' => $customer->id,
]);
$client_secret = $setup_intent->client_secret
// Pass the client secret to the client

import com.stripe.Stripe;
import com.stripe.model.SetupIntent;
import com.stripe.params.SetupIntentCreateParams;

public class StripeJavaQuickStart {
  public static void main(String[] args) {
    // Set your secret key. Remember to switch to your live secret key in production!
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc";

    SetupIntentCreateParams params =
      SetupIntentCreateParams.builder()
        .addPaymentMethodType("sepa_debit")
        .setCustomer(cistomer.getId())
        .build();

    SetupIntent setupIntent = SetupIntent.create(params);
    String clientSecret = setupIntent.getClientSecret();
    // Pass the client secret to the client
  }
}

// Using Express
const express = require('express');
const app = express();
app.use(express.json());
const { resolve } = require("path");

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
const Stripe = require('stripe');
const stripe = Stripe('sk_test_4eC39HqLyjWDarjtT1zdp7dc');

const setupIntent = await stripe.setupIntents.create({
  payment_method_types: ['sepa_debit'],
  customer: customer.id,
});
const clientSecret = setupIntent.client_secret;
// Pass the client secret to the client

package main

import (
  "encoding/json"
  "log"
  "net/http"

  "github.com/stripe/stripe-go/v71"
  "github.com/stripe/stripe-go/v71/setupintent"
)

func main() {
  // Set your secret key. Remember to switch to your live secret key in production!
  // See your keys here: https://dashboard.stripe.com/account/apikeys
  stripe.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"

  params := &stripe.SetupIntentParams{
    PaymentMethodTypes: stripe.StringSlice([]string{
      "sepa_debit",
    }),
    Customer: stripe.String(customer.ID),
  }
  si, _ := setupintent.New(params)
  clientSecret := si.ClientSecret
  // Pass the client secret to the client
}

// Set your secret key. Remember to switch to your live secret key in production!
// See your keys here: https://dashboard.stripe.com/account/apikeys
StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc";

using System;
using System.Collections.Generic;
using Microsoft.AspNetCore.Mvc;
using Stripe;

namespace StripeExampleApi.Controllers
{
    [Route("/wallet")]
    public class WalletController : Controller
    {
        public IActionResult Index()
        {
            var options = new SetupIntentCreateOptions
            {
              PaymentMethodTypes = new List<string>
              {
                "sepa_debit",
              },
              Customer = "{{CUSTOMER_ID}}",
            };

            var service = new SetupIntentService();
            var setupIntent = service.Create(options);

            var clientSecret = setupIntent.ClientSecret;
            // Pass the client secret to the client
        }
    }
}

4 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.

<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:

var stripe = Stripe('pk_test_TYooMQauvdEDq54NiTphI7jx');
var elements = stripe.elements();
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 (container) 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 this mandate. Replace Rocketship Inc with your company name.

The details of the accepted mandate are generated when setting up a payment method. Because the customer has implicitly signed the mandate when accepting the terms suggested above, you must communicate the terms on the form or in an email.

<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) Rocketship Inc 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.
  </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.
var style = {
  base: {
    color: '#32325d',
    fontSize: '16px',
    '::placeholder': {
      color: '#aab7c4'
    },
    ':-webkit-autofill': {
      color: '#32325d',
    },
  },
  invalid: {
    color: '#fa755a',
    iconColor: '#fa755a',
    ':-webkit-autofill': {
      color: '#fa755a',
    },
  },
};

var options = {
  style: 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 that you pass it to the Element as the
  // placeholderCountry.
  placeholderCountry: 'DE',
};

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

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

Install React Stripe.js and the Stripe.js loader from the npm public registry.

npm install --save @stripe/react-stripe-js @stripe/stripe-js

We also provide a UMD build for sites that do not use npm or modules.

Include the Stripe.js script, which exports a global Stripe function, and the UMD build of React Stripe.js, which exports a global ReactStripe object. Always load the Stripe.js script directly from js.stripe.com to remain PCI compliant. Do not include the script in a bundle or host a copy of it yourself.

<!-- Stripe.js -->
<script src="https://js.stripe.com/v3/"></script>

<!-- React Stripe.js development build -->
<script src="https://unpkg.com/@stripe/react-stripe-js@latest/dist/react-stripe.umd.js"></script>

<!-- When you are ready to deploy your site to production, remove the
     above development script, and include the following production build. -->
<script src="https://unpkg.com/@stripe/react-stripe-js@latest/dist/react-stripe.umd.min.js"></script>

Add Stripe.js and Elements to your page

To use Element components, wrap the root of your React app in an Elements provider. Call loadStripe with your publishable key and pass the returned Promise to the Elements provider.

import React from 'react';
import ReactDOM from 'react-dom';
import {Elements} from '@stripe/react-stripe-js';
import {loadStripe} from '@stripe/stripe-js';

import PaymentSetupForm from './PaymentSetupForm';

// Make sure to call `loadStripe` outside of a component’s render to avoid
// recreating the `Stripe` object on every render.
const stripePromise = loadStripe("pk_test_TYooMQauvdEDq54NiTphI7jx");

function App() {
  return (
    <Elements stripe={stripePromise}>
      <PaymentSetupForm />
    </Elements>
  );
};

ReactDOM.render(<App />, document.getElementById('root'));

Add and configure an IbanElement component

Use the IbanElement to collect your users IBAN. Additionally, your customer must read and accept the SEPA Direct Debit mandate.

Display the following standard authorization text for your customer to implicitly sign this mandate. Replace Rocketship Inc with your company name.

The details of the accepted mandate are generated when setting up a payment method. Because the customer has implicitly signed the mandate when accepting the terms suggested above, you must communicate the terms on the form or in an email.

/**
* Use the CSS tab above to style your Element's container.
*/
import React from 'react';
import {IbanElement} from '@stripe/react-stripe-js';
import './IbanFormStyles.css'

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

const IBAN_ELEMENT_OPTIONS = {
  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 that you pass it to the Element as the
  // placeholderCountry.
  placeholderCountry: 'DE',
  style: IBAN_STYLE,
};

export default function IbanForm({onSubmit, disabled}) {
  return (
    <form onSubmit={onSubmit}>
      <div className="form-row inline">
        <div className="col">
          <label>
            Name
            <input
              name="accountholder-name"
              placeholder="Jenny Rosen"
              required
            />
          </label>
        </div>

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

      <div className="form-row">
        <label>
          IBAN
          <IbanElement options={IBAN_ELEMENT_OPTIONS} />
        </label>
      </div>

      <button type="submit" disabled={disabled}>
        Set up SEPA Direct Debit
      </button>

      {/* Display mandate acceptance text. */}
      <div className="mandate-acceptance">
        By providing your payment information and confirming this payment,
        you authorise (A) Rocketship Inc 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.
      </div>
    </form>
  );
};

/**
* Shows how you can use CSS to style your Element's container.
* These classes are added to your Stripe Element by default.
* You can override these classNames by using the options passed
* to the IbanElement component.
* https://stripe.com/docs/js/elements_object/create_element?type=iban#elements_create-options-classes
*/

input,
.StripeElement {
  height: 40px;
  padding: 10px 12px;

  color: #32325d;
  background-color: white;
  border: 1px solid transparent;
  border-radius: 4px;

  box-shadow: 0 1px 3px 0 #e6ebf1;
  -webkit-transition: box-shadow 150ms ease;
  transition: box-shadow 150ms ease;
}

input:focus,
.StripeElement--focus {
  box-shadow: 0 1px 3px 0 #cfd7df;
}

.StripeElement--invalid {
  border-color: #fa755a;
}

.StripeElement--webkit-autofill {
  background-color: #fefde5 !important;
}

Elements are completely customizable. You can style Elements to match the look and feel of your site, providing a seamless checkout experience for your customers. It’s also possible to style various input states, for example when the Element has focus.

5 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. Including the customer’s name and email address in the billing_details property of the payment_method parameter is required to create a SEPA Direct Debit PaymentMethod.

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.

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

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

Use stripe.confirmSepaDebitSetup to complete the payment when the user submits the form. Including the customer’s name and email address in the billing_details property of the payment_method parameter is required to create a SEPA Direct Debit PaymentMethod.

To call stripe.confirmSepaDebitSetup from your payment form component, use the useStripe and useElements hooks.

If you prefer traditional class components over hooks, you can instead use an ElementsConsumer.

import React from 'react';
import {useStripe, useElements, IbanElement} from '@stripe/react-stripe-js';

import IbanForm from './IbanForm';

export default function PaymentSetupForm() {
  const stripe = useStripe();
  const elements = useElements();

  const handleSubmit = async (event) => {
    // We don't want to let default form submission happen here,
    // which would refresh the page.
    event.preventDefault();

    if (!stripe || !elements) {
      // Stripe.js has not yet loaded.
      // Make sure to disable form submission until Stripe.js has loaded.
      return;
    }

    const iban = elements.getElement(IbanElement);

    // For brevity, this example is using uncontrolled components for
    // the accountholder's name and email. In a real world app you will
    // probably want to use controlled components.
    // https://reactjs.org/docs/uncontrolled-components.html
    // https://reactjs.org/docs/forms.html#controlled-components

    const accountholderName = event.target['accountholder-name'];
    const email = event.target.email;

    const result = await stripe.confirmSepaDebitSetup('{CLIENT_SECRET}', {
      payment_method: {
        sepa_debit: iban,
        billing_details: {
          name: accountholderName.value,
          email: email.value,
        },
      }
    });

    if (result.error) {
      // Show error to your customer.
      console.log(result.error.message);
    } else {
      // Show a confirmation message to your customer.
      // The SetupIntent is in the 'succeeded' state.
    }
  };

  return (
    <IbanForm onSubmit={handleSubmit} disabled={!stripe} />
  );
}

import React from 'react';
import {ElementsConsumer, IbanElement} from '@stripe/react-stripe-js';

import IbanForm from './IbanForm';

class PaymentSetupForm extends React.Component {
  handleSubmit = async (event) => {
    // We don't want to let default form submission happen here,
    // which would refresh the page.
    event.preventDefault();

    const {stripe, elements} = this.props

    if (!stripe || !elements) {
      // Stripe.js has not yet loaded.
      // Make sure to disable form submission until Stripe.js has loaded.
      return;
    }

    const clientSecret = await getClientSecret();
    const iban = elements.getElement(IbanElement);

    // For brevity, this example is using uncontrolled components for
    // the accountholder's name and email. In a real world app you will
    // probably want to use controlled components.
    // https://reactjs.org/docs/uncontrolled-components.html
    // https://reactjs.org/docs/forms.html#controlled-components

    const accountholderName = event.target['accountholder-name'];
    const email = event.target.email;

    const result = await stripe.confirmSepaDebitSetup('{CLIENT_SECRET}', {
      payment_method: {
        sepa_debit: iban,
        billing_details: {
          name: accountholderName.value,
          email: email.value,
        },
      }
    });

    if (result.error) {
      // Show error to your customer.
      console.log(result.error.message);
    } else {
      // Show a confirmation message to your customer.
      // The SetupIntent is in the 'succeeded' state.
    }
  };

  render() {
    const {stripe} = this.props;
    return (
      <IbanForm onSubmit={this.handleSubmit} disabled={!stripe} />
    );
  }
}

export default function InjectedPaymentSetupForm() {
  return (
    <ElementsConsumer>
      {({stripe, elements}) => (
        <PaymentSetupForm  stripe={stripe} elements={elements} />
      )}
    </ElementsConsumer>
  );
}

6 Test the integration

You can test your form using the test account numbers below with your confirmSepaDebitSetup request.

Test account numbers
Account Number Description
AT611904300234573201 The payment method details are successfully collected.
Account Number Description
BE62510007547061 The payment method details are successfully collected.
Account Number Description
DK5000400440116243 The payment method details are successfully collected.
Account Number Description
EE382200221020145689 The payment method details are successfully collected.
Account Number Description
FI2112345600000785 The payment method details are successfully collected.
Account Number Description
FR1420041010050500013M02606 The payment method details are successfully collected.
Account Number Description
DE89370400440532013000 The payment method details are successfully collected.
Account Number Description
IE29AIBK93115212345678 The payment method details are successfully collected.
Account Number Description
IT40S0542811101000000123456 The payment method details are successfully collected.
Account Number Description
LT121000011101001000 The payment method details are successfully collected.
Account Number Description
LU280019400644750000 The payment method details are successfully collected.
Account Number Description
NL39RABO0300065264 The payment method details are successfully collected.
Account Number Description
NO9386011117947 The payment method details are successfully collected.
Account Number Description
PT50000201231234567890154 The payment method details are successfully collected.
Account Number Description
ES0700120345030000067890 The payment method details are successfully collected.
Account Number Description
SE3550000000054910000003 The payment method details are successfully collected.
Account Number Description
GB82WEST12345698765432 The payment method details are successfully collected.

Optional Validate the IBAN Element

The IBAN Element validates user input as it is typed. To help your customers catch mistakes, you should listen to change events on the IBAN Element and display any errors:

iban.on('change', function(event) {
  var displayError = document.getElementById('error-message');
  if (event.error) {
    displayError.textContent = event.error.message;
  } else {
    displayError.textContent = '';
  }
});
iban.on('change', (event) => {
  const displayError = document.getElementById('error-message');
  if (event.error) {
    displayError.textContent = event.error.message;
  } else {
    displayError.textContent = '';
  }
});
<IbanElement onChange={(event) => {
  if (event.error) {
    // Store event.error.message in state and display it.
  } else {
    // Remove existing error from state.
  }
}}>

The change event contains other parameters that can help to build a richer user experience. Refer to the Stripe.js reference for more detail.

See also

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On this page
Create or retrieve a Customer
Set up future payments
Test your integration