Save bank details during an iDEAL | Wero payment

Learn how to save your customer's the related setting bank details from an iDEAL | Wero payment.

Caution

We recommend that you follow the Save payment details during payment guide. If you’ve already integrated with Elements, see the Payment Element migration guide.

iDEAL | Wero (formerly iDEAL) is a popular single use payment method in the Netherlands where customers are required to authenticate their payment. Customers pay with iDEAL | Wero by redirecting to a webview, authorizing the payment, then returning to your app where you get immediate notification on whether the payment succeeded or failed.

You can also use iDEAL | Wero to save your customer’s the related setting bank details into a the related setting Direct Debit PaymentMethod. You can then use the the related setting Direct Debit PaymentMethod to accept payments or set up a subscription. This reduces friction for your customer as they don’t have to enter their the related setting again. You also receive their verified name and validated the related setting.

Caution

To use iDEAL | Wero to set up the related setting Direct Debit payments, you must activate the related setting Direct Debit in the Dashboard. You must also comply with the iDEAL Terms of Service and the related setting Direct Debit Terms of Service.

Elements

Mobile

Accepting iDEAL | Wero payments consists of creating a PaymentIntent object to track a payment, collecting payment method details and mandate acknowledgement, and submitting the payment to Stripe for processing. Stripe uses the PaymentIntent to track and handle all the states of the payment until the payment completes. Use the ID of the the related setting Direct Debit PaymentMethod collected from your initial iDEAL | Wero PaymentIntent to create future payments.

Set up Stripe Server-side

First, you need a Stripe account. Register now.

Use our official libraries for access to the Stripe API from your application:

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# Available as a gem
sudo gem install stripe

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# If you use bundler, you can add this line to your Gemfile
gem 'stripe'

Create a Customer Server-side

Create a Customer when they create an account with your business and associate it with your internal representation of their account. This enables you to retrieve and use their saved payment method details later.

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Create a PaymentIntent Server-side

Create a PaymentIntent on your server and specify the amount to collect, the eur currency, the customer ID, and off_session as an argument for setup future usage. iDEAL | Wero has no minimum charge amount and doesn’t support other currencies. Enable the payment method in your Dashboard. Stripe displays eligible payment methods to customers automatically.

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Retrieve the client secret

The PaymentIntent includes a client secret that the client side uses to securely complete the payment process. You can use different approaches to pass the client secret to the client side.

Retrieve the client secret from an endpoint on your server, using the browser’s fetch function. This approach is best if your client side is a single-page application, particularly one built with a modern frontend framework like React. Create the server endpoint that serves the client secret:

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get '/secret' do
 intent = # ... Create or retrieve the PaymentIntent
 {client_secret: intent.client_secret}.to_json
end

And then fetch the client secret with JavaScript on the client side:

(async () => {
 const response = await fetch('/secret');
 const {client_secret: clientSecret} = await response.json();
 // Render the form using the clientSecret
})();

Collect payment method details Client-side

Collect payment details on the client with the Payment Element. The Payment Element is a prebuilt UI component that simplifies collecting payment details for a variety of payment methods.

The Payment Element contains an iframe that securely sends payment information to Stripe over an HTTPS connection. Avoid placing the Payment Element within another iframe because some payment methods require redirecting to another page for payment confirmation.

If you choose to use an iframe and want to accept Apple Pay or Google Pay, the iframe must have the allow attribute set to equal "payment *".

The checkout page address must start with https:// rather than http:// for your integration to work. You can test your integration without using HTTPS, but remember to enable it when you’re ready to accept live payments.

Set up Stripe.js

The Payment Element is automatically available as a feature of Stripe.js. Include the Stripe.js script on your checkout page by adding it to the head of your HTML file. Always load Stripe.js directly from js.stripe.com to remain PCI compliant. Don’t include the script in a bundle or host a copy of it yourself.

checkout.html

Create an instance of Stripe with the following JavaScript on your checkout page:

checkout.js

// Set your publishable key: remember to change this to your live publishable key in production
// See your keys here: https://dashboard.stripe.com/apikeys
const stripe = Stripe('pk_test_TYooMQauvdEDq54NiTphI7jx');

Add the Payment Element to your payment page

The Payment Element needs a place to live on your payment page. Create an empty DOM node (container) with a unique ID in your payment form:

checkout.html

<form id="payment-form">
 <div id="payment-element">
 <!-- Elements will create form elements here -->
 </div>
 <button id="submit">Submit</button>
 <div id="error-message">
 <!-- Display error message to your customers here -->
 </div>
</form>

When the previous form loads, create an instance of the Payment Element and mount it to the container DOM node. Pass the client secret from the previous step into options when you create the Elements instance:

Handle the client secret carefully because it can complete the charge. Don’t log it, embed it in URLs, or expose it to anyone but the customer.

checkout.js

const options = {
 clientSecret: '{{CLIENT_SECRET}}',
 // Fully customizable with appearance API.
 appearance: {/*...*/},
};

// Set up Stripe.js and Elements to use in checkout form, passing the client secret obtained in a previous step
const elements = stripe.elements(options);
// Optional: Autofill user's saved payment methods. If the customer's
// email is known when the page is loaded, you can pass the email
// to the contactDetailsElement on mount:
//
// contactDetailsElement.mount("#contact-details-element", {
// defaultValues: {
// email: 'jenny.rosen@example.com',
// }
// })

// Create and mount the Payment Element
const paymentElementOptions = { layout: 'accordion'};
const paymentElement = elements.create('payment', paymentElementOptions);
paymentElement.mount('#payment-element');

Submit the payment to Stripe Client-side

Use stripe.confirmPayment to complete the payment using details from the Payment Element. Provide a return_url to this function to indicate where Stripe should redirect the user after they complete the payment. Your user may be first redirected to an intermediate site, like a bank authorization page, before being redirected to the return_url. Card payments immediately redirect to the return_url when a payment is successful.

checkout.js

Note

stripe.confirmPayment may take several seconds to complete. During that time, disable your form from being resubmitted and show a waiting indicator such as a spinner. If you receive an error, show it to the customer, re-enable the form, and hide the waiting indicator. If the customer must perform additional steps to complete the payment, such as authentication, Stripe.js walks them through that process.

If the payment succeeded, the card is saved to the Customer object. This is reflected on the PaymentMethod ’s customer field. At this point, associate the ID of the Customer object with your own internal representation of a customer, if you have one. Now you can use the stored PaymentMethod object to collect payments from your customer in the future without prompting them for their payment details again.

Make sure the return_url corresponds to a page on your website that provides the status of the payment. When Stripe redirects the customer to the return_url, we provide the following URL query parameters:

Caution

If you have tooling that tracks the customer’s browser session, you might need to add the stripe.com domain to the referrer exclude list. Redirects cause some tools to create new sessions, which prevents you from tracking the complete session.

Use one of the query parameters to retrieve the PaymentIntent. Inspect the status of the PaymentIntent to decide what to show your customers. You can also append your own query parameters when providing the return_url, which persist through the redirect process.

status.js

Collect wallet information

If you accept Apple Pay or Google Pay, call elements.submit() at the beginning of your submission handler. This triggers form validation and shows the native payment sheet so your customer can authorize the payment.

checkout.js

form.addEventListener('submit', async (event) => {
 event.preventDefault();

 // Trigger form validation and wallet collection
 const {error: submitError} = await elements.submit();
 if (submitError) {
 handleError(submitError);
 return;
 }

 // Confirm the payment
});

Charge the the related setting Direct Debit PaymentMethod later

When the PaymentIntent succeeds, iDEAL generates a reusable the related setting Direct Debit payment method. The original iDEAL payment method is single-use and can’t be charged again.

When you need to charge your customer again, create a new PaymentIntent. Retrieve the previous PaymentIntent and expand the latest_charge property to find the generated_sepa_debit ID.

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The the related setting Direct Debit payment method ID is the generated_sepa_debit ID under payment_method_details in the response. Store both the generated_sepa_debit PaymentMethod ID and the generated_sepa_debit_mandate for future off-session payments.

{
 "latest_charge": {
 "payment_method_details": {
 "ideal": {
 "bank": "ing",
 "bic": "INGBNL2A",
 "iban_last4": "****",
 "generated_sepa_debit": "pm_1GrddXGf98efjktuBIi3ag7aJQ",
 "generated_sepa_debit_mandate": "mandate_1GrddXGf98efjktuBIi3aKPl",
 "verified_name": "JENNY ROSEN"
 },
 "type": "ideal"
 },
 },
 "payment_method_options": {

Create a PaymentIntent with the the related setting Direct Debit ID and the customer’s ID.

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Test your integration

Use your test API keys to confirm the PaymentIntent. After confirming, you’re redirected to a test page with options to authorize or fail the payment.

• Click Authorize test payment to test the case when the payment is successful. The PaymentIntent transitions from requires _ action to succeeded .
• Click Fail test payment to test the case when the customer fails to authenticate. The PaymentIntent transitions from requires _ action to requires _ payment _ method .

Test your the related setting Direct Debit integration

Set payment_method.billing_details.email to one of the following values to test the PaymentIntent status transitions. You can include your own custom text at the beginning of the email address followed by an underscore. For example, `` results in a the related setting Direct Debit PaymentMethod that always fails when used with a PaymentIntent.

Optional Handle post-payment events

Optional Handle the iDEAL | Wero redirect manually

See also

• Accept a the related setting Direct Debit payment
• Set up a subscription with the related setting Direct Debit in the EU