Last updated: April 6, 2026

SEPA Direct Debit ("SDD") allows you to collect funds from bank accounts at authorised credit institutions located within the Single Euro Payments Area. Terms specifically applicable to acceptance of SDD payments via Stripe are set out below.

SDD is facilitated by means of a Customer mandate through which the Customer authorizes you to debit his or her account. You may only submit a SDD debit for collection if you have obtained a valid SDD mandate from the Customer. You must ensure that the Customer has accepted the SDD mandate and the information stated in the mandate.

You may only collect SDD debits in compliance with the rules and regulations of Regulation (EU) No 260/2012 establishing technical and business requirements for credit transfers and direct debits in Euro.

Prior to submitting an SDD debit for collection, you must send a Pre-Notification e-mail to the Customer that sets out the date on which the Customer's account will be debited, the debit amount, the mandate ID (reference number) and creditor identifier.

You are responsible for providing the correct direct debit data. Should a SDD debit be reversed, or should a SDD debit fail due to reasons attributable to you - in particular due to insufficient credit or incorrect account information - you are fully liable to pay the outstanding amount, as well as any applicable reversal fees, any applicable third party fees of the bank holding the account, and any handling fees.

You acknowledge that SDD is not a guaranteed payment method, and there is a risk of failed payments and Disputes. You are not permitted to resubmit the same SDD debit for failed payments or Disputes.

We may at any time request and you will provide evidence of your compliance with the preceding provisions and you will provide all such information without undue delay.

Preview Funds Availability: You may be eligible to opt-in to have SDD Transactions funds made available to you or your Connected Accounts faster than the standard timing for availability by agreeing to a higher fee per Transaction. You understand that applicable debit scheme return rules and timelines remain unchanged if you elect for faster funds availability to you or your Connected Accounts. If you opt-in for faster funds availability, you acknowledge and accept all risks associated, related to, or resulting from the faster availability of funds, including a higher risk of returns occurring after the funds have settled to you or your Connected Accounts. You understand that you continue to be liable to Stripe for the full amount of all Disputes, Refunds and Reversals (as defined in the Stripe Services Agreement) regardless of the reason or timing. Your eligibility to opt-in to faster funds availability is in the sole discretion of Stripe, and Stripe reserves the right to revoke your (or your Connected Account’s) eligibility at any time. You agree that Stripe, in its sole discretion, may impose daily, transaction or other limits.