#jan-vdh_api
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Yes you can test failed SEPA Payment using these test data:
https://docs.stripe.com/payments/sepa-debit/accept-a-payment?payment-ui=checkout#test-integration
Thanks for your reply. We did exactly this when we were testing direct SEPA debit payments, but now I'm trying to do it through PayPal, and the PayPal Stripe Integration doesn't allow me to enter an IBAN
it only allows for a name and for either approve or decline payment.
What i want is the destination payment to be treated as successful and to later fail (in production would be 2-3 days later) due to insufficient balance
๐ That would be behaviour that would be relevant to a SEPA payment, that would be tested as above. For paypal, we receive a confirmed payment either way. How paypal is being funded itself isn't visible to Stripe. We wouldn't experience the downstream insufficient-funds failure the way we would with a native SEPA Debit payment method
Hi @scenic smelt thanks for the response. That was exactly what I was trying to debug because the PayPal docs are not clear. We're using stripe connect with destination charges. If a customer now buys an article through PayPal and pays through PayPal with SEPA, our connected account will get his money straight away. If the PayPal-initiated SEPA later fails, there is no chargeback to our connected account? That means it is totally PayPals responsibility (and risk) and not the platforms or the connected accounts?
or in simpler words: We don't have to care what happens to the transaction as soon as its stamped successful?
sorry for approaching the devs with a more support-heavy topic. I tried going through support twice.
Yes, when a PayPal payment is marked succeeded on Stripe, PayPal has already guaranteed that payment to you, so a paypal internal SEPA problem wouldn't be your problem. I believe the only way it would come back to you is if there was a dispute raised. These flow back through Stripe as regular disputes