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:

Saving payment methods to a wallet to streamline future purchases
Collecting surcharges after fulfilling a service
Starting a free trial for a subscription

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.

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.

Terminal

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

Set up future payments

This guide builds on the foundational set up future payments Checkout integration.

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',
})

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.