Stripe SEPA

The Stripe™ SEPA payment gateway module is available in WHMCS.

  • For other Stripe options, see Stripe ACH and Stripe.
  • In WHMCS 8.9, we updated this module to use Stripe’s PaymentIntents API instead of the deprecated Stripe API.

Supported Features

Type: Token

One-TimeRecurringRefundsReversals
✖️
3D SecureRemote Update CardRemote Delete CardAddPayMethod API
✖️✖️✖️

Adding the Stripe SEPA Payment Gateway

Stripe announced new secure authentication requirements in 2024.

  • To continue using Stripe, we strongly recommend upgrading to a WHMCS version that supports Restricted API Keys (WHMCS 8.11 or later).
  • For more information, see Restricted API Key Requirement.

To set up the Stripe SEPA payment gateway in WHMCS:

  1. Go to Configuration () > Apps & Integrations or Addons > Apps & Integrations.
  2. Click Stripe SEPA.
  3. Check Show on Order Form to display this payment method in the Client Area during checkout.
  4. Configure a display name. We recommend Credit Card.
  5. Retrieve and configure your Stripe API credentials.
  6. Copy and paste the API keys into WHMCS.
    • If you currently also use the Stripe payment gateway, you can check Use Stripe Configuration to use your existing API keys.
    • Do not enter a value for the Webhook Secret Key. The system generates it automatically.
      • The Stripe SEPA module requires a valid Webhook and Secret Key in order to recognize payments and automatically apply them to invoices.
      • If you modify the secret key for the webhook at Stripe, you must also update it in WHMCS.
  7. Click Save Changes.

Test Mode

This payment gateway module does not include a manual Test Mode setting. Instead, Stripe will detect whether you are using a live account or a test account using the API keys that you enter.

Restricted API Key Requirement

We added support for Stripe Restricted API Keys in WHMCS 8.11. We do not plan to add this support to previous versions of WHMCS. To continue using Stripe, we recommend updating to WHMCS 8.11 or later.

In January 2024, Stripe announced that it will require new secure authentication methods beginning on October 29, 2024.

Transaction Fees

Stripe returns transaction fees in the default currency of the Stripe account. If you have a different default currency in WHMCS, you must properly configure the currency of your Stripe account in Configuration () > System Settings > Currencies with a valid exchange rate to allow WHMCS to be able to convert the fee into your other currencies.

Supported Currencies

Stripe SEPA only supports the EUR currency. For other currencies, the Stripe SEPA option won’t appear when placing orders or paying invoices.

Payment Workflow

This module supports automated recurring and on-demand billing.

SEPA Direct Debit is a pull-based, reusable, and asynchronous payment method. It can take up to 14 business days to confirm the success or failure of a payment after you initiate a debit from the customer’s account. The invoice status will be Payment Pending until the payment clears.

When making a payment, customers can choose to use a previously-stored bank account or enter a new one. Customers never leave your WHMCS installation during checkout or adding or removing a new bank account. The system never stores personal bank information in your local WHMCS installation.

The system uses the Stripe API for refunds and obtaining transaction information.

Troubleshooting

You can find information about most payment gateway-related errors in the logs at Billing > Gateway Log and in the Module Log.

For more information, see Troubleshooting Payments.

Last modified: February 4, 2025