Peter Tait | Stripe Developers | Page 1

pallid carbonBOT Oct 14, 2022, 2:25 PM

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rugged scarab Oct 14, 2022, 2:27 PM

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Is there a specific error you see when trying to create invoices here?

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I am not immediately familiar with this subscription so I am trying to think of how I can look it up.

vernal harness Oct 14, 2022, 2:33 PM

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when we create a subscription, we specify the following properties:

payment_method_types: [‘customer_balance’],```

`customer_balance` triggers Stripe to show the bank details on the invoice, but the IBAN is missing, this means the international customer can't pay

rugged scarab Oct 14, 2022, 2:54 PM

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Do you have a request ID (req_123) from a time you tried to do this and got an error?

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Thanks for that info, I am looking in to this flow and what you may be able to do here

vernal harness Oct 14, 2022, 2:55 PM

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We don't receive any errors. We have an invoice generated with correct bank details, but missing the IBAN number (which is required for international payments)

rugged scarab Oct 14, 2022, 2:57 PM

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Do you have an example invoice here?

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Can you send me the ID? (in_123)

vernal harness Oct 14, 2022, 3:02 PM

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in_1LpuwiBkZIeyakdvdGJliw0b

rugged scarab Oct 14, 2022, 3:08 PM

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Thank you, checking in to that invoice in a minute

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Hey apologies still looking like this. From our docs this definitely should be possible for UK accounts but it looks like our docs may be a bit messed up as the "With Invoices" tab does not mention actually collecting this info with invoices https://stripe.com/docs/payments/bank-transfers/accept-a-payment?platform=api#handling-multiple-open-payments-or-invoices

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That is the doc you were already working off of I assume?

vernal harness Oct 14, 2022, 3:34 PM

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This is the doc we are referencing: https://stripe.com/docs/billing/subscriptions/bank-transfer

this puts the bank details onto the bottom of the invoice, but to enable international payments it requires IBAN

finite kernel Oct 14, 2022, 3:58 PM

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Hi 👋 I'm stepping in as @rugged scarab needs to go.

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Have any previous invoices using the Customer Balance payment method been successful?

split zealot Oct 17, 2022, 9:40 AM

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@vernal harness

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How can I help?

vernal harness Oct 17, 2022, 9:41 AM

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We are based in UK, and we have customers outside of the uk.

However, we are unable to generate invoices within Stripe that have an IBAN number on them, this means international customers cannot pay us via invoice.

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we are charging all customers (whether UK or international) in GBP

split zealot Oct 17, 2022, 9:47 AM

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Is in_1LpuwiBkZIeyakdvdGJliw0b an example invoice?

vernal harness Oct 17, 2022, 9:48 AM

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yeah

split zealot Oct 17, 2022, 9:49 AM

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Ok, let me see if this is support. My assumption is no

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Seems that we only support sort code and account number for bank transfers for GB merchants currently

vernal harness Oct 17, 2022, 10:07 AM

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okay is that for sure?

would offering currencies of the purchaser help solve this (eg. allowing a European pay in Euros)?

split zealot Oct 17, 2022, 10:08 AM

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This isn't related to the presentment currency, but the country of your Stripe account

vernal harness Oct 17, 2022, 10:10 AM

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Funnily enough, we are able to generate an IBAN after creating an invoice by using an IBAN calculator website (https://www.iban.com/calculate-iban) and inserting the Sort Code and Bank number from the invoice into that website.

However, the Sort Code and Bank Number is generated uniquely per invoice so this isn't sustainable for many customers.

split zealot Oct 17, 2022, 10:11 AM

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Yes exactly, they're virtual bank accounts that related directly to that specific invoice for reconciliation

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One alternative is to enable SEPA as a payment method on your invoices for non-UK customers

vernal harness Oct 17, 2022, 10:14 AM

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okay and does SEPA work for all international customers even outside of Europe?

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we've been confused in thinking that would only work for EU customers

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which is at least better than just our current UK customers

split zealot Oct 17, 2022, 10:17 AM

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vernal harness okay and does SEPA work for all international customers even outside of Europe?

No, just Europe: https://stripe.com/docs/payments/sepa-debit

SEPA Direct Debit payments

Learn about Single Euro Payments Area (SEPA) Direct Debit, a common payment method in the European Union.

vernal harness Oct 17, 2022, 10:18 AM

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okay so does that mean a non UK/EU customer (eg. United States customer) will never be able to pay us via bank transfer through Stripe?

split zealot Oct 17, 2022, 10:19 AM

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They can, but it would require them to make payment to a UK sortcode & account number

vernal harness Oct 17, 2022, 10:22 AM

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this is a weird omission and seems like a bug as the IBAN is a mandatory field for international payments: https://www.iban.com/country/united-kingdom

United Kingdom IBAN and BIC Format

A detailed description of United Kingdom IBAN Formatting, Samples and a complete list of SEPA supported banks and BIC codes can be found in our country formatting directory of International Bank Account Numbers.

split zealot Oct 17, 2022, 10:26 AM

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Perhaps! I'd recommend writing in to support about this as it's not something we can help with directly: https://support.stripe.com/contact

Stripe: Help & Support

Find help and support for Stripe. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

vernal harness Oct 17, 2022, 10:30 AM

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cool thank you

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one last question

slate dune Oct 17, 2022, 10:32 AM

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sure, what's up

vernal harness Oct 17, 2022, 10:32 AM

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would an IBAN found via https://www.iban.com/calculate-iban, using the sort code and account number taken from the Stripe generated invoice be okay to use in the mean time?

slate dune Oct 17, 2022, 10:33 AM

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not really sure what you mean unfortunately.

vernal harness Oct 17, 2022, 10:37 AM

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when we create an invoice for a customer, that invoice includes the Sort Code and Account number.

we can then insert those two numbers into https://www.iban.com/calculate-iban which tells you the IBAN number. We want to double check the IBAN that is found for those numbers is okay to use and added as "note" on the Stripe invoice.

IBAN Calculator: Calculate IBAN from Bank Code and Account Number

IBAN Calculator - Convert a bank account number to IBAN. View BIC code, branch address and relevant information for international bank wire transfer

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aware we would have to do this for each invoice

slate dune Oct 17, 2022, 10:43 AM

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ack so it's like a UK bank account for GBP Credit Transfer and you want to show the IBAN format of it for some reason

#Peter Tait