Stripe SEPA Direct Debit Fees

SEPA Direct Debit on Stripe — €0.35 flat fee per transaction (plus capped fee component) across the EU. The cheapest way to take euro-denominated recurring payments.

At a glance

Per-transaction fee
€0.35 (varies by Stripe plan)
Settlement time
5 business days
Dispute window
8 weeks (consumer), 13 months (no-mandate)
Best for
Euro recurring B2B/B2C, high-ticket EU

SEPA Direct Debit on Stripe is €0.35 flat per transaction (plus a small percentage component on some Stripe accounts, usually capped). For euro-denominated recurring payments, SEPA is dramatically cheaper than cards: a €1,000 SEPA payment costs €0.35–€8 (depending on plan), versus €15–€25 on a card.

Frequently asked questions

Where does SEPA Direct Debit work?
SEPA covers the 27 EU member states plus Iceland, Liechtenstein, Norway, Switzerland, Monaco, San Marino, Andorra, and the Vatican. For payments between merchants and customers within this zone, SEPA is the standard.
How does the SEPA mandate work?
SEPA requires a customer-signed mandate authorizing recurring debits. Stripe handles mandate collection at checkout via a digital signature flow — the customer enters IBAN + signs digitally + receives a confirmation email. The mandate is stored and reused for subsequent debits without re-authorization.
What’s the difference between SEPA Core and SEPA B2B?
SEPA Core (consumer): 8-week unconditional refund right; refund window means consumer-protection-style chargebacks. SEPA B2B (business-to-business): no refund right after debit, but requires explicit mandate registration with the customer’s bank. Stripe primarily supports SEPA Core.

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