Enabling SEPA (EU Direct Debit) in Fundraise Up

Enabling SEPA allows donors paying in euro to provide their IBAN number to approve bank-to-bank direct debit transfers.

SEPA Direct Debit is currently available for accounts in the following countries:

Belgium, Germany, Estonia, Ireland, Greece, Spain, France, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Austria, Poland, Portugal, Romania, Slovenia, Slovakia, Finland, and Sweden.

This article will walk you through the needed steps to enable SEPA in Fundraise Up, including the steps in Stripe to ensure that transactions are processed and handled appropriately. Additionally, it will explain the donor experience when giving via SEPA on your public donation checkout.

Enabling SEPA in Stripe

In order for SEPA to work properly in Fundraise Up, it must be enabled in Stripe. To enable SEPA on your Stripe account:

  • Go to your Stripe dashboard,
  • Click Settings,
  • Scroll down and click Payment Methods,
  • Choose to enable SEPA.
    • If you have not previously enabled webhooks on your connected Stripe account, you may see an alert suggesting that you request access to webhooks. It is safe to just click Request Access and proceed!

Disable Stripe's SEPA Emails

Stripe has a series of emails to assist with account verification and payment confirmation, which are unnecessary if you're using our SEPA solution as we allow you to customize versions of those emails right from Fundraise Up. To turn off Stripe's SEPA emails:

  • Go to your Stripe dashboard
  • Click Settings,
  • Scroll down and click Emails,
  • Toggle Send SEPA debit initiation emails off.

SEPA debit email toggle in Stripe Emails settings

Failure to disable the Stripe SEPA email set will result in the donor receiving two sets of emails that will contain differing content.

Set your Statement Descriptor in Fundraise Up 

Fundraise Up's SEPA flow uses Stripe's Creditor ID, meaning that the top-level label that will show up on bank statements will be Stripe Payments. As such, it's very important that you also ensure your Statement Descriptor in Fundraise Up is set to something identifiable to your organization, so that donors looking at their bank statements see a sub-label indicating that the Stripe Payments direct debit is to your particular organization. To set your Statement Descriptor in Fundraise Up:

  • Go to the Fundraise Up dashboard,
  • Click your name in the top right, and choose Settings from the dropdown menu,
  • Click Account in the left hand menu,
  • Scroll down and set your Statement Descriptor if not already set, then click the Save Changes button.

Enable SEPA in Fundraise Up

If your Fundraise Up account is connected to a Stripe account based in any of the EU countries, the Payment Options screen will provide options for the enabling of SEPA. You can enable SEPA by following these steps:

  • Go to the Fundraise Up dashboard,
  • Click your name in the top right, and choose Settings from the dropdown menu,
  • Click Payment Options in the left hand menu,
  • Click Enable for SEPA (UK Direct Debit),
  • Confirm that you've done the following, as instructed on the setup screen and as covered above:
    • disabled Stripe's default SEPA emails,
    • enabled SEPA within Stripe,
    • and set your Statement Descriptor on the Account page of Settings.
  • Click the Enable SEPA button to start allowing donors with EU bank accounts to donate directly from those bank accounts using your Fundraise Up forms!

Review how your donors will pay with SEPA

When a donor gets to the Payment Options screen of checkout, as long as their donation is 2 EUR or higher (which most donations will be, as the default Campaign minimum amount for one-time and recurring donations is 5 EUR), they'll be provided a Direct Debit button.

If they click the Direct Debit button, they'll be taken to a screen where they can provide their IBAN and confirmation of understanding of how the flow is managed.

SEPA Direct Debit main checkout page

This experience is mirrored in Virtual Terminal; for donations made in EUR, you can select SEPA Direct Debit as the payment method and provide the donor's IBAN, name, and email to instantiate their payment via SEPA.

Payment processor fees on SEPA donations are 0.8% + 30¢ capped at $6.00

Customize Confirmation and Verification Emails

When donors make SEPA donations, they'll by default receive some of the Email Templates you can manage and customize from your Fundraise Up account, centrally from the Email Templates screen of Settings, and on a per-Campaign basis using the controls in each Campaign's Emails tab. 

Donors giving via SEPA will receive a "Donation in progress" email showing the details of the bank payment mandate they approved while donating and notifying them of their upcoming payment.

Donors will then receive the applicable "Receipt" email templates once their Donation is marked successful in Fundraise Up. This can take an average of five business days due to the delayed notification model of how banks provide success or failure notifications.

If, at any point in time, the donor has the bank remove their permission associated with a Recurring Plan, Stripe will receive notification within a few days, notify Fundraise Up, and the plan will then be marked as failed (as the associated payment method has been revoked). At that time, the donor will receive the "Plan failed" email if it is enabled, notifying them that their recurring donation can no longer be processed and that they can reactivate their donation by providing new payment information if desired.