#meteograms-sepa
severe tulip
hi 🙂
stark fjord
well I'd recommend making yourself familiar with the dispute process for SEPA(no questions asked with no appeals) as it's different from cards, and about the delayed payment notification(since unlike cards it takes multiple days before the debit succeeds and you'd want to consider when to ship your product) ; details are covered on https://stripe.com/docs/payments/sepa-debit
pricing is at https://stripe.com/pricing/local-payment-methods
severe tulip
OK thanks. No up-front or monthly cost to use this option in the Checkout though, just a per-payment fee as stated (30p for SEPA)?
And if any payment fails then it's £7?
stark fjord
yes it's the same as cards, fees are taken from completed payments
if you have specific questions about pricing please ask https://support.stripe.com/?contact=true instead, we try to keep this channel for API and coding questions
severe tulip
OK, will do. As for the API, it's just a case of enabling these payment methods in the dashboard, then adding the relevant method to the payment_method_types array... the rest is handled by Checkout/Stripe?
And are SEPA and GiroPay and BACS all compatible with a recurring (metered) subscription?
Ah, maybe subscriptions do not allow giropay: https://stripe.com/docs/payments/giropay/accept-a-payment
stark fjord
we have this table describing what methods are compatible with what options https://stripe.com/docs/payments/payment-methods/integration-options#payment-method-product-support
but yeah GiroPay is not available for subscriptions as it requires an active customer authentication for each payment so it doesn't work for a recurring subscription where you charge an invoice each month automatically
severe tulip
OK, that's really useful information, thanks. Looks like SEPA and BACS are OK for Checkout + subscriptions. I'll look at those. Thanks so much.
I know it's not strictly (at all) a programming question, but when I try to enable BACS on my account, the non-branded (cheaper) option is greyed out.
If I click Next in the above screen, it then asks for what name should appear on the bank account statement (i.e. the branded option which has a £50 monthly fee)... how do I activate the option without monthly fee?
stark fjord
yep I believe that requires you to write in and needs special approval and extra fees. There are really strict requirements about how the BACS mandate is presented so for most merchants we require you to use Checkout so it can handle it. If you are able to comply with the requirements, and have your own SUN creditor ID for BACS you can get access to the other approach , it's a paid feature.
the cheaper option I believe is just already activated, to be clear
that's why it's greyed out, you can just use it immediately as-is and shouldn't need to do anything explicit to activate it beyond just writing the integration
severe tulip
OK so it's already enabled despite showing a "turn on" button in the settings?
stark fjord
I believe that "turn on" there is for making it appear automatically as an option in Checkout
severe tulip
I thought that we had to add it to payment_method_types for it to appear in Checkout?
stark fjord
for example you mentioned earlier "adding the relevant method to the payment_method_types array." which is one way of using Checkout, but another way is with automatic payment methods, where if you omit that argument we just show the options that are enabled on that page and are compatible with the payment you're making
yeah, you can either pass your preferred options to payment_method_types or you can let us show all the available ones
trying to find the docs...
this basically : https://stripe.com/docs/payments/dashboard-payment-methods (that "turn on" button relates to https://stripe.com/docs/payments/dashboard-payment-methods#add-remove as it mentions)
severe tulip
Ah OK, so in order for all available payment options to be shown in Checkout (based on what I turn on in Dashboard) I need to NOT pass any payment_method_types in Checkout?
stark fjord
yep
severe tulip
If I pass that, then only those payment methods are shown in Checkout, right? Explains why I hadn't been seeing BACS despite that apparently already being available (non-branded) and even though I haven't turned it on in dashboard
stark fjord
yep if you pass payment_method_types we will only show those ones that you explicitly pass
severe tulip
OK thanks
Hmm I removed payment_method_types for the Checkout and I'm still only presented with a card payment option in Checkout... being in GBP it should offer others, e.g. the "non-branded" BACS?
stark fjord
can you share the link? or just the cs_test_xxx Id from the URL is enough
severe tulip
cs_test_a1MaZlbHIgVBGWVCHwYeu5g5ywk9bdhLstSGzEKBvItRSYXIdNYH4CzPYx
stark fjord
did you "Turn on" BACS on the dashboard settings page? From what I see, that's the issue
SEPA is turned on there(but won't be an option for that CheckoutSession because it's in GBP), but BACS is not
severe tulip
Well that's where I'm still confused... re my earlier message:
Can't seem to turn it on without also apparently turning on the £50 per month option.
stark fjord
hmm
severe tulip
But also in that Checkout I'm not offered Google Pay, and that's turned on in the dashboard
stark fjord
that's just because your browser doesn't have Google Pay set up(you need to be logged into Chrome and have an active card in your Google Pay wallet in your Google account), it works fine so that part is ok
but let me think about the BACS thing
severe tulip
hmm
It's really not clear from that linked screenshot whether by doing Next I'm going to be agreeing to pay £50 per month, or not.
The greyed out option is stated to be the "Current Plan" but BACS isn't apparently turned on at all?
stark fjord
yeah you're right, I think this is broken
if it helps, you can hit "Turn on all" and it will activate it. But yeah it seems like the modal for turning on just BACS has some broken logic. definitely seems broken to me, I'll work on it internally
severe tulip
OK thanks... "turn on all" seems to have turned it on now in the dashboard, but I'm still not seeing it in the Checkout... here's another session id:
cs_test_a1BOrQpUy2pWAVLeIkSvVLjDntu6vwSpX7Nvz9CilS0jQ0A1PTOXGf4VJB
stark fjord
are you sure? I see it
severe tulip
hmm, more info...
When I paste the checkout URL into MS Edge browser, the initial screen did seem to show BACS option, but above it appeared the six-digit code request, which I entered randomly (test mode) to dismiss, then there was only a card option.
stark fjord
yep because you are using the saved details of an existing customer with a saved card I think
I don't' really know this part of it works but overall this all seems normal
severe tulip
I cleared cookies for checkout.stripe.com and on loading again, I now see this.
And google pay!
So that was why I wasn't seeing any of the new options 🙂
I had thought that deleting the customer entirely in the dashboard (test mode) would also mean any saved card details for checkout would also be deleted but it looks like it's via cookies
stark fjord
yeah I'm not too clear on how that part works since it doesn't have much API surface and is an internal detail of Checkout, but we save the card details for future re-use
severe tulip
OK, thanks so much for your help, and sorry for pushing the questions beyond pure API... well you managed to help a great deal anyway.
stark fjord
no worries, these questions are fine!
severe tulip
Thanks again, and I guess it would be useful for others if the dashboard page was fixed to enabled turning on just BACS, without activating the paid option.
stark fjord
yeah this is a known issue, I've discovered, it's being worked on already