# Changes to SEPA direct debit address collection 

The [European Payments Council's structured address mandate](https://www.europeanpaymentscouncil.eu/document-library/guidance-documents/epc-guidance-document-provision-addresses-under-epc-payment) requires city and postal code for SEPA direct debit payment methods when the  International Bank Account Numbers (IBAN) is not part of the European Economic Area (EEA).
## Do I need to make any changes to my integration?
If you integrate with the API, you'll need to update your integration before November 15, 2026 to avoid payment failures.
No changes are needed for new transactions on Stripe Checkout, Payment Element, and Hosted Invoices. Stripe automatically surfaces the city and postal code fields as required for SEPA direct debit transactions on these surfaces.
### What do I need to update for my API integration?
Update your integration to pass the customer's billing city in [billing details.address.city](https://docs.stripe.com/api/payment_methods/object#payment_method_object-billing_details-address) and postal code in [billing details.address.postal_code](https://docs.stripe.com/api/payment_methods/object#payment_method_object-billing_details-address) for SEPA direct debit transactions using non-EEA IBANs. See [this list of non-EEA countries](https://stripe.com/resources/more/sepa-country-list#list-of-sepa-countries).
## Do I need to update my customer's payment method on Stripe?
If you have recurring SEPA direct debit transactions using existing payment methods, you must add the `billing_details.postal_code` and `billing_details.city` fields to each payment method before November 15, 2026 to avoid payment failures.
Stripe sent you a list of affected payment methods.
To retrieve a full list of payment methods for your customers, use the [List PaymentMethods](https://docs.stripe.com/api/payment_methods/list) endpoint.
### Update an existing payment method using the API
Use the [Update a PaymentMethod](https://docs.stripe.com/api/payment_methods/update#update_payment_method-billing_details-address) endpoint to set `billing_details.city` and `billing_details.postal_code` on each payment method.
### Detach payment method and collect a new mandate
1. Go to [Customers](https://dashboard.stripe.com/customers) in your Dashboard.
1. Click the customer you want to update.
1. From the **Payment Methods** section, find and delete the SEPA direct debit payment method.
1. Collect a new payment method from the customer.