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Usage scenario: SEPA Direct Debit payments in Flask

References:
- https://docs.stripe.com/payments/sepa-debit

Here are the steps (planning, configuration and integration) needed to implement SEPA Direct Debit payments in a Python/Flask web application using Stripe:

Enable SEPA Direct Debit in Stripe Dashboard:

  • Log in to your Stripe account.
  • Navigate to the Payment Methods settings.
  • Enable SEPA Direct Debit.
  • Complete any additional identity verification steps as prompted.

Collect Customer Information and Authorization:

  • During checkout, collect the customer’s full name and IBAN.
  • Present a mandate authorization to the customer, which gives you permission to debit their account. Stripe can generate this mandate for you.

Integrate Stripe’s Front-End Components:

  • Use Stripe’s prebuilt UI components like Stripe Checkout or Stripe Elements to handle the front-end payment flow.
    • Stripe Checkout: A hosted payment page that you can redirect customers to.
    • Stripe Elements: Prebuilt UI components you can embed in your application.
  • These tools will handle collecting the IBAN and mandate authorization seamlessly.

Implement Server-Side Logic with Flask:

  • Install the Stripe Python SDK: pip install stripe
  • Configure your Flask application to create a PaymentIntent with SEPA Direct Debit as the payment method.
import stripe

stripe.api_key = 'your_secret_key'

@app.route('/create-payment-intent', methods=['POST'])
def create_payment():
     data = json.loads(request.data)
     intent = stripe.PaymentIntent.create(
         amount=data['amount'],
         currency='eur',
         payment_method_types=['sepa_debit'],
         confirm=True,
         payment_method_data={
             'type': 'sepa_debit',
             'sepa_debit': {
                 'iban': data['iban'],
             },
             'billing_details': {
                 'name': data['name'],
             },
         },
         mandate_data={
             'customer_acceptance': {
                 'type': 'online',
                 'online': {
                     'ip_address': request.remote_addr,
                     'user_agent': request.headers.get('User-Agent'),
                 },
             },
         },
     )
     return jsonify({'client_secret': intent.client_secret})

Handle Webhooks for Asynchronous Events:

  • Set up webhook endpoints in your Flask application to listen for Stripe events like payment_intent.succeeded, payment_intent.payment_failed, and charge.dispute.created.
  • Use these webhooks to update your application’s order status and handle failures or disputes.
@app.route('/webhook', methods=['POST'])
def stripe_webhook():
     payload = request.data
     sig_header = request.headers.get('Stripe-Signature')
     event = None

     try:
         event = stripe.Webhook.construct_event(
             payload, sig_header, 'your_webhook_secret'
         )
     except ValueError:
         # Invalid payload
         return '', 400
     except stripe.error.SignatureVerificationError:
         # Invalid signature
         return '', 400

     # Handle the event
     if event['type'] == 'payment_intent.succeeded':
         payment_intent = event['data']['object']
         # Fulfill the purchase, e.g., update order status
     elif event['type'] == 'payment_intent.payment_failed':
         payment_intent = event['data']['object']
         # Notify the customer that payment failed
     # ... handle other event types
 return '', 200

Configure Debit Notification Emails:

  • By default, Stripe sends debit notification emails to customers.
  • If you prefer to send custom emails:
  • Turn off Stripe emails in the Dashboard under Email settings.
  • Use the payment_intent.processing event to trigger your custom email.
  • Ensure your email includes all required information:
  • Last 4 digits of the debtor’s bank account
  • Mandate reference
  • Amount to be debited
  • Your SEPA Creditor Identifier
  • Your contact information

Caveats

  1. Consider Creditor Identifier (Creditor ID):

    • By default, Stripe uses its own Creditor ID.
    • If you’re based in the EU, it’s recommended to obtain and use your own Creditor ID for better customer recognition and reduced dispute rates.
    • Configure your Creditor ID in the Payment Method Settings on the Stripe Dashboard.

  2. Handle Payment Failures and Disputes:

    • Implement logic to manage failed payments based on the failure codes provided by Stripe.
    • Understand that SEPA Direct Debit disputes are final and cannot be appealed.
    • Monitor for charge.dispute.created webhook events to handle disputes appropriately.

  3. Manage Refunds Carefully:

    • Refunds must be issued within 180 days of the original payment.
    • Be cautious, as customers can still dispute a payment even after a refund.
    • Communicate with your customers when issuing refunds to avoid confusion.

  4. Be Aware of Processing Times and Limits:

    • SEPA Direct Debit payments can take up to 14 business days to be confirmed, though it usually takes 7-8 days.
    • There’s a per-transaction limit of 10,000 EUR and a weekly limit for new users.
    • Payouts for SEPA transactions are subject to a 5-business-day timing until you reach a certain processing volume.

Key Considerations:

  • Compliance: Ensure you’re compliant with SEPA regulations, especially regarding mandate acceptance and customer notifications.
  • Security: Handle customer data securely and in accordance with GDPR and other data protection laws.
  • Testing: Use Stripe’s test environment to simulate SEPA Direct Debit payments before going live.
  • Customer Experience: Use clear statement descriptors and consider using your own Creditor ID for better recognition.

Resources:

Page last modified: 2024-11-13 14:01:29