mclowrider_sepa-debit-testing | Stripe Developers | Page 1

woven saffronBOT May 11, 2026, 4:00 PM

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hollow edge May 11, 2026, 4:02 PM

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Hello 👋

I can see this is a Subscription cycle generated Invoice and, at the time it was generated, the Customer did not have a valid payment method. This resulted in the related Payment Intent being in status of requires_payment_method: https://dashboard.stripe.com/acct_1POHNDBqblN9WokJ/test/events/evt_3TVsn6BqblN9WokJ3Jko204I

severe oriole May 11, 2026, 4:03 PM

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Why is that case though because subsequently it does?

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The latest view of the PI shows a payment method attached but I cant see an update to the payment intent?

hollow edge May 11, 2026, 4:06 PM

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It looks like the Customer had a payment method attached at about the same time for this event: https://dashboard.stripe.com/acct_1POHNDBqblN9WokJ/test/logs/req_yvcW6Z6y26DHPz

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But it was not properly set up for off-session usage so the attempt to confirm the Payment Intent failed.

severe oriole May 11, 2026, 4:07 PM

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AH I see.

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Is that what ti is

hollow edge May 11, 2026, 4:07 PM

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Because the payment method is SEPA Debit, we automatically mark the invoice as uncollectible and no further attempts are made

severe oriole May 11, 2026, 4:07 PM

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SO We need to mark as off session?

hollow edge May 11, 2026, 4:08 PM

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Yes the Payment Method was added directly through the Dashboard and did not collect the proper mandate

severe oriole May 11, 2026, 4:08 PM

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How do we do this?

hollow edge May 11, 2026, 4:08 PM

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The actual error message associated with pi_3TVsn6BqblN9WokJ3MP3Pchy is

message: "This PaymentIntent requires a mandate, but no existing mandate was found. Collect mandate acceptance from the customer and try again, providing acceptance data in the mandate_data parameter.",

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The best way to make sure this is set up properly is to follow our canonical guide for saving SEPA debit payment methods here: https://docs.stripe.com/payments/sepa-debit/set-up-payment

severe oriole May 11, 2026, 4:21 PM

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This is test mode though.

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Usually we can enter the IBAN in live mode

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But we can't in test mode?

hollow edge May 11, 2026, 4:24 PM

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That's not the problem, at least as far as I can tell. The issue is that you didn't set up a proper mandate (agreement with the bank to debit the account).

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Even in Test mode, you need to do this properly

severe oriole May 11, 2026, 4:25 PM

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How do we do that in test mode?

hollow edge May 11, 2026, 4:25 PM

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You follow the guide I provided

severe oriole May 11, 2026, 4:27 PM

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Thats not the ususla flow though?

hollow edge May 11, 2026, 4:27 PM

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Yes it is

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It's our canonical guide for saving SEPA Debit payment methods

severe oriole May 11, 2026, 4:28 PM

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We usually create the Ideal PM and then Stripe auto create the SEPA PM

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When we setup off_session

hollow edge May 11, 2026, 4:29 PM

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That may be your usual process but it's not THE usual process.

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It looks like this Payment Method was created through the Dashboard. My team and I are not as familiar with working through the Dashboard since we specifically assist developers coding integrations with Stripe APIs

severe oriole May 11, 2026, 4:32 PM

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I understand. We dont have a way to create in the API because we dont do that in live either.

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Its usually generated for us. I assume that doesnt work in test mode.

hollow edge May 11, 2026, 4:33 PM

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Gotcha. Let me see if I can test creating an iDEAL PM in the dashboard and check for any parameters

severe oriole May 11, 2026, 4:34 PM

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Thank you 🙏🏾

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This property https://docs.stripe.com/api/charges/object#charge_object-payment_method_details-ideal-generated_sepa_debit

The Charge object | Stripe API Reference

hollow edge May 11, 2026, 4:40 PM

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Yes, that is where iDEAL PMs generate a SEPA debit payment method. I'm not able to add an iDEAL payment method to a Customer in Test mode for either my French or British accounts

severe oriole May 11, 2026, 4:44 PM

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So do you think it's not supported in test mode?

hollow edge May 11, 2026, 4:46 PM

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No, since you were able to create the payment method yourself

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I think there is some aspect of setting it up that was missed but since I'm not able to view the UI it's harder for me to say

severe oriole May 11, 2026, 4:47 PM

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Ok. Is there a way to use these token when creating the pm_successDelayed_nl?

hollow edge May 11, 2026, 4:47 PM

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Sorry, I don't understand what you mean here

severe oriole May 11, 2026, 4:47 PM

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hollow edge May 11, 2026, 4:48 PM

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To use those tokens, you would need to use the API

severe oriole May 11, 2026, 4:48 PM

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Sorry. Can I use the token to create PM rather than enetring IBAN etc?

hollow edge May 11, 2026, 4:49 PM

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Not in the Dashboard

severe oriole May 11, 2026, 4:49 PM

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stripe payment_methods create paymen_methods.sepa_debit ?

hollow edge May 11, 2026, 4:50 PM

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I would not take that approach, no

severe oriole May 11, 2026, 4:50 PM

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Just not sure where to pass the token

hollow edge May 11, 2026, 4:50 PM

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I would use a Setup Intent with a Customer

severe oriole May 11, 2026, 4:51 PM

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Ok. Do you have some docs for me please, on how I'll do that?

hollow edge May 11, 2026, 4:52 PM

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Yes you can see this here: https://docs.stripe.com/payments/sepa-debit/set-up-payment?payment-ui=mobile&platform=react-native#create-setup-intent

But you would use a slightly different approach and here's the code snippet for it:

setup_intent = client.v1.setup_intents.create({
  "payment_method_types": ["sepa_debit"],
  "customer": "{{CUSTOMER_ID}}",
  "confirm": True,
  "payment_method": "pm_successDelayed_nl"
})

This would create and confirm a SEPE debit payment method for the Customer that you identify by ID

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Wait.... it looks like your back-end is using C# and .NET, right?

severe oriole May 11, 2026, 4:53 PM

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Yes it is.

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stripe setup_intents create --customer="cus_UUvaQPDskNeDYA" --confirm=true --payment-method="pm_successDelayed_nl" --payment-method-types="sepa_debit"

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Tried this 👆🏾 No joy

hollow edge May 11, 2026, 4:56 PM

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Okay so that would look like

var options = new SetupIntentCreateOptions
{
    PaymentMethodTypes = new List<string> { "sepa_debit" },
    Customer = "{{CUSTOMER_ID}}",
    PaymentMethod ="pm_successDelayed_nl",
    Confirm = true
};
var client = new StripeClient("sk_test_**************");
var service = client.V1.SetupIntents;
SetupIntent setupIntent = service.Create(options);

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What message did you get?

severe oriole May 11, 2026, 4:56 PM

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{
"error": {
"code": "resource_missing",
"doc_url": "https://stripe.com/docs/error-codes/resource-missing",
"message": "No such PaymentMethod: 'pm_successDelayed_nl'",
"message_code": "missing_resource",
"param": "payment_method",
"request_log_url": "https://dashboard.stripe.com/acct_1POHNDBqblN9WokJ/test/workbench/logs?object=req_1PDtGjHlytpr9h",
"type": "invalid_request_error"
}
}

Error codes

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hollow edge May 11, 2026, 5:02 PM

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Hmmm... I'm getting the same error in the CLI

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I'm digging into this since the same approach works with tokes like pm_card_visa

hollow edge May 11, 2026, 5:26 PM

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Okay I think that is actually a bug on our end

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I have filed an internal ticket to try and get this resolved but unfortunately I cannot provide any timeline for when it will happen.

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If you want to be notified of when this is fixed I recommend you write in to Support here: https://support.stripe.com/contact

Explain you were talking to an engineer on the Discord server, that there is a bug with the test tokens for SEPA Debit, that this has already been flagged internally, and you just want to be kept up to date on the progress.

severe oriole May 11, 2026, 5:32 PM

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Yaaay, I found a bug 👍🏾

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Thanks for your help Snufkin

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Is there a reference I can get please?

hollow edge May 11, 2026, 5:37 PM

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Unfortunately I don't have an external reference I can provide, sorry

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