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craftcms / commerce-stripe

Stripe payment gateway for Craft Commerce
https://plugins.craftcms.com/commerce-stripe
MIT License
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Using SEPA/IBAN as a payment source for subscriptions #90

Closed medoingthings closed 6 months ago

medoingthings commented 4 years ago

Payments for my subscriptions using credit cards are working fine. Now I’m trying to get SEPA payments to work. I’ve already set it up in the Stripe dashboard.

I followed the Stripe documentation and the only difference seems to be that the generated token comes from the stripe.createSource method as opposed to the stripe.createToken method (when submitting a credit card source).

So my expectation was that this should just work. But it doesn’t.

Question: Am I doing something wrong or are SEPA payment sources not supported by commerce-stripe, yet?

Any hint is much appreciated.

Cheers, Mark

lennartlott commented 3 years ago

Any updates on this issue?

pimago commented 10 months ago

Please give some love to European users and add this feature. Not everyone uses credit card over here. Stripe supports a lot of payment methods with recurring payments.

medoingthings commented 10 months ago

@pimago have you checked out the latest version of commerce-stripe? It now uses Stripes Payment Intents: https://github.com/craftcms/commerce-stripe#payment-forms

Not sure if that enables IBAN, but it might be worth giving it a try.

pimago commented 10 months ago

Hey Mark. Yes I just tried that. But it looks like it doesn't support recurring payments. Only when I add a credit card as payment source I can start a subscription.

medoingthings commented 10 months ago

Good to know. That might be an implication that has nothing to do with Craft, but with the finance system.

In order to "pull money from somebody elses bank account" you need (in Germany/EU) a „Lastschriftmandat” that has to be signed by the customer. So it’s a more complicated than using a credit card. Stripe has information regarding this on their website: https://stripe.com/de-us/resources/more/sepa-authorization-and-cancellation (german).

medoingthings commented 10 months ago

Hmm… here is more information on the Stripe website on how to do it with Stripe: https://stripe.com/docs/billing/subscriptions/sepa-debit

pimago commented 10 months ago

On stripe I can create a Payment Link and it was possible to create subscription with Sepa debit. At least in test mode it worked.

lukeholder commented 6 months ago

We released an update in 4.1.1 that fixed a bug where not all enabled payment methods types were being shown when creating a payment source. All supported recurring methods are now available.