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

Supported Features #

Type: Token

Adding the Stripe SEPA Payment Gateway #

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.
   • For WHMCS 8.11 and later, generate publishable and restricted API keys using the WHMCS app in the Stripe App Marketplace.
     We introduced support for Stripe Restricted API Keys in WHMCS 8.11. You cannot use Restricted API Keys with Stripe in WHMCS 8.10 or earlier.
     For steps and more information, see Add Restricted API Keys to Stripe.
   • For WHMCS 8.10 and earlier, go to the Stripe portal and retrieve the publishable and secret API keys.
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 #

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

• If you use any Stripe payment gateway modules (Stripe, Stripe ACH, or Stripe SEPA), we strongly recommend updating your Stripe credentials to use restricted API keys as soon as possible.
• You can retrieve publishable and restricted API keys using the WHMCS app in the Stripe App Marketplace.

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.

Last modified: February 4, 2025