Install
This is the repository archive. It installs, but the folder name will carry the branch suffix and updates will not flow.
Install straight from GitHub with WP-CLI:
wp plugin install https://github.com/dahu-concept/dahu-deferred-sepa/archive/refs/heads/main.zipCharge a WooCommerce customer's saved Stripe SEPA mandate a set number of days after their order ships, instead of at checkout.
Stripe charges a SEPA Direct Debit as soon as the order is placed. Some customers are not meant to be charged then — a trade account on 30-day terms, a wholesale buyer — and this plugin is the checkout option that waits.
How it works
- At checkout. The "Deferred SEPA Direct Debit" gateway takes no money. It finds the mandate the customer already has saved at Stripe, writes the customer and payment method onto the order, and puts the order on hold — to be prepared and shipped, but not paid, because saying otherwise would be a lie in every report the shop looks at.
- When the order is completed. A single scheduled action is queued, N days out. Eight by default; overridable globally and per customer.
- When it fires. One off-session PaymentIntent is created and confirmed against the saved mandate, carrying a persistent idempotency key.
- Days later. SEPA settles. A dedicated webhook hears the outcome and completes or fails the order.
Approval needs both sides
A Stripe mandate is legally valid from the moment the customer signs it. Whether the shop is willing to be paid late by that customer is a separate, commercial decision, and this plugin keeps the two apart.
- An administrator names one of the customer's saved IBANs as the active mandate, on the customer's user profile.
- The customer has that same IBAN as their own default payment method.
Either one alone is not enough. That is what stops a customer quietly moving to an IBAN nobody approved, and it is the reason the gateway is invisible to almost every shopper.
Features
| Charged once | One persistent idempotency key per order. A replayed action, a timeout or a retry cannot produce a second debit. |
| Movable date | Shown on the order screen and movable until it fires. Every move is counted and kept. |
| Charge now | Behind a capability check, a nonce and a confirmation. |
| Own webhook | Separate endpoint, separate signing secret, acts only on this plugin's own charges. |
| Per-customer terms | A delay on a customer's profile overrides the global one. |
| Charges screen | Expected cash, and a filterable, sortable, exportable history. |
| Diagnostics | The plugin explains its own availability instead of leaving you to guess. |
| HPOS | Both order storages. No custom tables. |
Requirements
- WordPress 6.0+, PHP 7.4+
- WooCommerce 7.0+
- SEPA Direct Debit working at Stripe — in practice the official WooCommerce Stripe Payment Gateway, which is how a customer signs and saves a mandate.
The Stripe secret key is either this plugin's own setting — a restricted key that may only write PaymentIntents is enough — or borrowed from the official plugin's configuration. Filling in your own key means this plugin does not depend on another plugin's stored settings.
Setup
Enable the gateway under WooCommerce → Settings → Payments → Deferred SEPA Direct Debit, then create the webhook endpoint in your Stripe dashboard:
https://yoursite.example/wp-json/dahu-deferred-sepa/v1/webhooklistening for payment_intent.succeeded, payment_intent.payment_failed and
charge.dispute.created. Put its signing secret in wp-config.php:
define( 'DAHU_DEFERRED_SEPA_WEBHOOK_SECRET', 'whsec_...' );Never in a plugin file. While the constant is empty the webhook accepts nothing, which is the safe default: a forged notification must never be able to mark an order paid.
Test mode and live mode are separate endpoints with different secrets.
Before you switch it on
A SEPA mandate carries obligations to the payer that are yours, not this plugin's. Depending on the mandate you use, you may owe the customer advance notice of the date and the amount of each debit — and deferring a charge changes that date. Check what your mandate and your bank require, and tell your customers what to expect.
Stripe accepts SEPA Direct Debit in euro only. An order in another currency is refused with an order note rather than charged in the wrong unit.
Hooks
Filters
| Filter | Purpose |
|---|---|
dahu_deferred_sepa_delay_days |
The resolved charge delay, per customer. |
dahu_deferred_sepa_excluded_roles |
Roles never offered the gateway. Empty by default. |
dahu_deferred_sepa_secret_key |
The Stripe secret key, for a shop that keeps keys outside the database. |
dahu_deferred_sepa_payment_intent_body |
The PaymentIntent body before it is sent. |
dahu_deferred_sepa_charge_hour |
Hour of day a rescheduled charge is sent. Default 9. |
dahu_deferred_sepa_settlement_days |
Assumed SEPA settlement time, in working days. Default 3. |
dahu_deferred_sepa_webhook_tolerance |
How far out of date a webhook may be. Default 5 minutes. |
dahu_deferred_sepa_csv_delimiter |
CSV delimiter for the export. Default a comma. |
dahu_deferred_sepa_mandate_submitted_admin_email |
The shop's "mandate submitted" email. |
dahu_deferred_sepa_mandate_submitted_customer_email |
The customer's "we received your IBAN" email. |
dahu_deferred_sepa_mandate_approved_email |
The customer's "approved" email. |
Constants
All overridable from wp-config.php.
| Constant | Default | Purpose |
|---|---|---|
DAHU_DEFERRED_SEPA_WEBHOOK_SECRET |
(empty) | Webhook signing secret. Define this in wp-config.php. |
DAHU_DEFERRED_SEPA_DELAY_DAYS |
8 |
Last-resort delay, used when neither the customer's nor the gateway's setting is set. |
DAHU_DEFERRED_SEPA_DEBUG |
false |
Forces the diagnostics on, for a site whose settings screen is unreachable. |
Not affiliated
This plugin is not affiliated with, endorsed by or sponsored by Stripe. "Stripe" and "SEPA" are used only to say what the plugin works with.
License
MIT. See LICENSE.