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Dahu - Sepa Differe Stripe

Permet un prélèvement SEPA en différé, et maitrisé.

by Hugo Vial-Jaime · github.com/epilouptique/dahu-sepa-differe-stripe · website

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Install

No release zip yet. The repository archive installs, but the folder name will carry the branch suffix and updates will not flow:

wp plugin install https://github.com/epilouptique/dahu-sepa-differe-stripe/archive/refs/heads/main.zip
Readme github.com/epilouptique/dahu-sepa-differe-stripe ↗

A WooCommerce extension that defers Stripe SEPA Direct Debit charges until a configurable number of days after an order is marked "Completed" — reusing the customer's already-saved mandate instead of charging them immediately at checkout.

Description

Many B2B and subscription-style stores collect payment via SEPA Direct Debit through Stripe, using a mandate the customer has already signed electronically (IBAN + consent checkbox). By default, Stripe charges the customer as soon as the order is placed. This plugin lets you delay that charge — for example, until after the order has shipped — while giving an administrator explicit control over which customers, and which saved IBAN, are authorized to use the deferred payment method.

At checkout, the dedicated "Deferred SEPA Direct Debit" payment gateway does not charge anything: it reuses the customer's saved mandate, stores it on the order, and puts the order on hold. Once the order is marked "Completed", the plugin automatically schedules the real charge N days later (8 by default), using WooCommerce's built-in Action Scheduler. The scheduled date can be viewed and rescheduled from the order screen at any time before it fires.

Features

  • Deferred charging — no debit at checkout; the real SEPA charge is scheduled automatically N days after the order is completed.
  • Reschedule from the order screen — view and change the scheduled charge date from a metabox on the order page.
  • Dedicated payment gateway — a standalone "Deferred SEPA Direct Debit" gateway that only appears for customers who already have a reusable Stripe mandate, and only once explicitly authorized (see Configuration).
  • Mandate authorization control — an administrator picks, per customer, which saved IBAN is the active mandate for deferred payments. The customer must also have that same IBAN set as their default payment method for the gateway to be offered — preventing a customer from silently switching to an unapproved IBAN.
  • Duplicate-charge protection — a persistent idempotency key per order ensures a retried scheduled task never triggers a second charge.
  • Dedicated Stripe webhook — listens for payment_intent.succeeded, payment_intent.payment_failed, and charge.dispute.created to finalize or fail the order, independently of the official Stripe plugin's own webhook.
  • Optional checkout cleanup — hide Stripe's native SEPA Direct Debit option from the checkout page (to avoid a duplicate, immediate-charge alternative) while keeping it available on the "Add payment method" account page.
  • HPOS compatible.

Installation

  1. Upload the plugin folder to wp-content/plugins/, or install the .zip file via Plugins → Add New → Upload Plugin.
  2. Activate Dahu - Sepa Differe Stripe from the Plugins screen.
  3. Make sure WooCommerce and the official WooCommerce Stripe Payment Gateway plugin are installed, active, and configured (SEPA Direct Debit enabled, in test mode while you validate the setup).
  4. Go to WooCommerce → Settings → Payments → Deferred SEPA Direct Debit and enable the gateway.

Configuration

Key constants near the top of the main plugin file:

Constant Default Purpose
ANNAD_SEPA_DELAY_DAYS 8 Number of days between "Completed" and the actual charge
ANNAD_SEPA_PARTICULIER_ROLES customer WordPress role(s) that should never see the deferred gateway
ANNAD_SEPA_NOTIFY_EMAIL (empty → site admin email) Notified when a customer changes their default SEPA mandate
ANNAD_SEPA_CONTACT_EMAIL (empty → site admin email) Shown to customers as the contact address for mandate changes
ANNAD_SEPA_WEBHOOK_SECRET (empty) Signing secret for this plugin's dedicated Stripe webhook
ANNAD_SEPA_DEBUG false Shows diagnostic panels on the order screen and checkout for admins

Authorizing a customer: open the customer's user profile in Users, and in the "Deferred SEPA Direct Debit" section, select which saved IBAN is the active mandate for that customer (or <none> to disable it for them). The customer must also set that same IBAN as their default payment method under "My account → Payment methods" for the gateway to appear at checkout.

Webhook setup: create a webhook endpoint in your Stripe Dashboard pointing to https://yoursite.com/wp-json/annad-sepa/v1/webhook, listening for payment_intent.succeeded, payment_intent.payment_failed, and charge.dispute.created, then paste the signing secret into ANNAD_SEPA_WEBHOOK_SECRET.

Changelog

1.1.0

  • Added standard plugin action links ("Settings") and plugin row meta.
  • Removed store-specific strings from generated Stripe descriptions and customer-facing contact text; both are now configurable/generic.

1.0.0

  • Initial public release: deferred SEPA charging, dedicated payment gateway, per-customer mandate authorization, idempotency protection, dedicated webhook, optional native-SEPA checkout hiding, HPOS compatibility.

License

GPL v2 or later. See LICENSE.