Accept a Sofort payment

Learn how to accept Sofort, a common payment method in Europe.

Web

Mobile

Stripe automatically presents your customers payment method options by evaluating their currency, payment method restrictions, and other parameters. We recommend that you configure your payment methods from the Stripe Dashboard using the instructions in Accept a payment.

If you want to continue manually configuring the payment methods you present to your customers with Checkout, use this guide (for example, to accept payments in Subscription mode). Otherwise, migrate to the dashboard.

SOFORT is a delayed notification payment method, which means that funds are not immediately available after payment. A payment typically takes 2 to 14 business days to arrive in your account.

Customers pay with SOFORT by redirecting away from the Checkout Session to their bank, sending you payment, and then returning to Checkout. They are then redirected back to your site.

Determine compatibility

A Checkout Session must satisfy all of the following conditions to support SOFORT payments:

You can only use one-time line items (recurring subscription plans are not supported).
Prices for all line items must be expressed in Euro (currency code eur).

Accept a payment

First build an integration to accept a payment with Checkout before using this guide.

This guide walks you through enabling SOFORT and shows the differences between accepting a card payment and using SOFORT.

Enable SOFORT as a payment method

When creating a new Checkout Session, you need to:

Add sofort to the list of payment_method_types.
Make sure all your line_items use the eur currency.

Stripe::Checkout::Session.create({
  mode: 'payment',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'sofort'],
  line_items: [{
    price_data: {
      currency: 'usd',
      # To accept `sofort`, all line items must have currency: eur
      currency: 'eur',
      product_data: {
        name: 'T-shirt',
      },
      unit_amount: 2000,
    },
    quantity: 1,
  }],
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Because SOFORT is a delayed notification payment method, you must also complete the handle delayed notification payment methods step of the guide.

Test your integration

When testing your Checkout integration, select SOFORT as the payment method and click the Pay button.

Handle refunds and disputes

The refund period for SOFORT is up to 180 days after the original payment.

There is no dispute process–customers authenticate with their bank.