iDEAL is a Netherlands-based payment method that allows customers to complete transactions online using their credentials. It is the most preferred online payment method in the Netherlands with a share of online transactions close to 55%.
In this documentation we are going to learn about configuring Stripe iDEAL. Chargebee allows you to configure and process iDeal payments with Stripe seamlessly. This enhances your business opportunity in Netherlands.
To configure Stripe iDEAL, you must have an account with Stripe and should have configured Stripe SEPA. This is because, Stripe iDEAL is generally used to make one time payments. In a subscription business, you will be charging your customers on a recurring basis. Therefore Chargebee handles recurring scenarios by converting all the recurring transactions after the first payment as Direct Debit SEPA payments.
Configure Stripe Payment Gateway. If you have already configured it, open the settings page. You can do this by clicking Settings > Configure Chargebee > Payment Gateway > Stripe.
Enable Direct Debit (SEPA). Refer to this document to learn how.
Enable iDEAL (Recurring Via SEPA Direct Debit). You have now enabled Stripe iDEAL.
You need to configure webhooks in order to get the status of SEPA payments. Learn more about configuring webhooks.
Stripe iDEAL can be used to make the payment only once. Chargebee handles recurring scenarios by converting all the recurring transactions as Direct Debit SEPA payments. Therefore, it is important that you inform this to your customers during Checkout.
Here is a sample content that you can display in your checkout.
According to the European payment council, when you enable SEPA Direct Debit payments for customers, an authorization agreement should be available for the customer to view and confirm the mandate. Read more on this .
Therefore, it is necessary that you display the authorization agreement during checkout as well. Here is a sample agreement for your reference.
It is a regulatory compliance of the SEPA scheme to send emails to customers regarding mandate creation and payment pre-notification. You can send this email either from Chargebee or Stripe. The advantage of sending this email from Chargebee is that it allows you to configure elements such as your company logo, signature etc. If this option is not enabled, Chargebee requests Stripe to send direct-debit emails. Contact Chargebee Support if you want to stop sending direct-debit emails from Stripe. Learn more.
Here is a sample workflow that you can build in your checkout.