SEPA Direct Debit provides a unified payment solution across European nations. This bank debit system facilitates Euro-denominated transfers between accounts throughout the Single Euro Payments Area. The WishList LMS platform enables SEPA payment collection through its Stripe integration.
This document demonstrates the configuration steps and explains the basics of using SEPA with Stripe and WishList LMS.
Accepting Payments Through SEPA
WishList LMS processes SEPA payments exclusively via the built-in Stripe payment gateway. Before activating SEPA, ensure you have successfully connected Stripe to WishList LMS on your WordPress site. Furthermore, verify the payment integration functions work correctly through testing.
After setting up and confirming your Stripe connection works, enable SEPA in your Stripe Dashboard first:
- Log in to your Stripe Dashboard.
- Go to Settings > Payment Methods.
- Under Bank debits, locate SEPA Direct Debit and click Turn on.
- Complete any verification steps Stripe requires.
After enabling SEPA in Stripe, activate it in WishList LMS. To do this, enable the SEPA option for your connected Stripe gateway at Dashboard > WishList LMS > Settings > Payments tab.
Following these steps, membership registration pages display SEPA as an available payment option. This payment method appears on both Stripe Elements and Stripe Checkout interfaces.
During registration, customers must provide their full name and IBAN bank account details. Upon submitting payment information, customers authorize a mandate permitting your business to debit their account.
Essential Information About SEPA Usage
SEPA Direct Debit accommodates both single and recurring payment structures. Additionally, this payment method supports membership tiers featuring complimentary or premium trial offerings.
Next, SEPA operates as a delayed notification payment system. Payment processing and confirmation notifications to WishList LMS require up to 14 business days for completion.
Furthermore, SEPA visibility depends on satisfying multiple conditions. The SEPA functionality includes various constraints determined by regulatory requirements and Stripe policies.
Extending the Grace Period for SEPA
Because SEPA payments take up to 14 business days to confirm, extend the grace period in WishList LMS so members do not lose access while the transaction clears.
Add the following code snippet to your site to set a 14-day initial grace period:
add_filter('wlms_grace_init_days', function() {
return 14;
});
Change the number of days by editing the return value:
return 14;
If SEPA handles renewals, add the second snippet below to extend the grace period for renewing subscriptions:
add_filter('wlms_grace_expire_days', function($days) {
return 14;
});
Add both snippets to your site’s functions.php file or use the WPCode plugin.
Compatible Countries and Currency Requirements
SEPA primarily serves European Union member states as a regional payment solution. This system exclusively processes EUR-denominated transactions between accounts within SEPA territories. Therefore, the currency setting in WishList LMS must be configured to EUR.
Additionally, establish your business location as one of the SEPA-compatible countries in your WishList LMS configuration. The European Central Bank website provides comprehensive SEPA region listings. Several non-SEPA territories also support SEPA Direct Debit with local currency conversion.
Compatible countries include:
- Australia;
- Austria;
- Belgium;
- Bulgaria;
- Canada;
- Croatia;
- Cyprus;
- Czech Republic;
- Denmark;
- Estonia;
- Finland;
- France;
- Germany;
- Gibraltar;
- Greece;
- Hong Kong;
- Hungary;
- Ireland;
- Italy;
- Japan;
- Latvia;
- Liechtenstein;
- Lithuania;
- Luxembourg;
- Malta;
- Mexico;
- Netherlands;
- New Zealand;
- Norway;
- Poland;
- Portugal;
- Romania;
- Singapore;
- Slovakia;
- Slovenia;
- Spain;
- Sweden;
- Switzerland;
- United Kingdom;
- United States.
For comprehensive details, review the SEPA payments documentation from Stripe.