guillaume_subscription-sepa-ideal | Stripe Developers | Page 1

cunning dockBOT Jul 29, 2024, 4:27 PM

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prisma rose Jul 29, 2024, 4:31 PM

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Hi 👋

The IDEAL payment method requires that the customer be redirected to their bank's website to authenticate the payment. We recommend using webhooks for payment confirmation because sometimes something goes wrong with the customer being redirected back to your site even though the payment goes through successfully.

tacit jay Jul 29, 2024, 4:33 PM

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thanks Snufkin for a fast response !
When subscribing using ideal, i save sepa payment method as the default payment method for my customer.
Can i use this payment method to:

pay the next subscription invoices, and is this immediate payment confirmation ?
proceed to off session payments
Thanks

prisma rose Jul 29, 2024, 4:38 PM

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Yes, that is exactly how you would use the SEPA payment method that is created.

tacit jay Jul 29, 2024, 4:41 PM

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From the documentation the confirmation of payment success with SEPA can take up to 14 days, is this different when SEPA is added through iDeal ?

prisma rose Jul 29, 2024, 4:44 PM

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No, there isn't a difference once the payment method has been saved.

tacit jay Jul 29, 2024, 4:47 PM

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I'm sorry but I don't understand.
Let's say a customer is subscribing using iDeal:

The first payment confirmation is immediate
I save SEPA as the default payment method for the user
For the second month subscription invoice: the payment confirmation can take up to 14 days ?
For any payment (off session) : the payment confirmation can take up to 14 days ?

prisma rose Jul 29, 2024, 4:48 PM

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Correct. IDEAL is a one-time (not recurring) payment method that can be saved but only as a SEPA debit payment method.

tacit jay Jul 29, 2024, 4:49 PM

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Ok ! So using iDeal for a recurring subscription is not really recommended I guess

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I can't see use cases where you should prompt the user each month for ideal payment

prisma rose Jul 29, 2024, 4:50 PM

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No that is not what I said

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We have plenty of merchants using IDEAL with subscriptions

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The difference is that the initial payment occurs using IDEAL but then we (Stripe) do the work with the banks to set up a SEPA debit payment method that can be used for recurring off-session payments

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So the first subscription payment is made with IDEAL and following ones are used with SEPA

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But this scheme "just works" for a large number of european merchants

tacit jay Jul 29, 2024, 4:53 PM

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ok thanks for the clarification.
Last question to be sure I get things right:
For the second month invoice of the subscirption, there can be a delay (in days) between payment creation and confirmation (success)

prisma rose Jul 29, 2024, 4:54 PM

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It's possible. Not likely but possible

tacit jay Jul 29, 2024, 4:55 PM

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Ok thanks for you time

prisma rose Jul 29, 2024, 4:56 PM

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Sure thing, happy to shed what 💡 I can 🙂

#guillaume_subscription-sepa-ideal