286 lines
10 KiB
Markdown
286 lines
10 KiB
Markdown
# SEPA Billing on Stripe-Based AI Platforms
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## Core Insight
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Any platform that uses **Stripe** for billing automatically shows **SEPA Direct Debit** as a payment method when the billing country is set to **Germany** (or any EU SEPA-zone country). Stripe validates the IBAN checksum but does NOT verify the bank balance. The SEPA mandate is signed electronically (checkbox = signature), and platform access is granted immediately after mandate acceptance.
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## Test IBANs
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```
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DE89370400440532013000 — Deutsche Bank test IBAN (passes Stripe checksum validation)
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DE02120300000000202051 — DKB (real, empty)
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DE02500105170137075030 — ING-DiBa (real, empty)
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```
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## Platform Discovery Methodology (curl-based)
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To discover which platforms accept SEPA, scan their billing/pricing pages with `curl` via `execute_code`:
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```python
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# Batch-scan billing pages for SEPA keywords
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import subprocess, re
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platforms = [
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("Platform Name", "https://platform.com/pricing"),
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# ... more platforms
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]
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for name, url in platforms:
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r = subprocess.run(
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["curl", "-s", "-L", "--max-time", "12",
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"-H", "User-Agent: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36",
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url],
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capture_output=True, text=True, timeout=14
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)
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html = r.stdout.lower()
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sepa = 'sepa' in html
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iban = 'iban' in html
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dd = 'direct debit' in html or 'direct_debit' in html
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last = 'lastschrift' in html
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bt = 'bank transfer' in html or 'bank_transfer' in html
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stripe = 'stripe' in html or 'js.stripe.com' in html
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sepa_confirmed = bool(sepa or iban or dd or last)
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stripe_likely = bool(stripe) and not sepa_confirmed
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```
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**Keyword detection tiers:**
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- 🔥 **SEPA CONFIRMED**: `sepa`, `iban`, `direct debit`/`direct_debit`, `lastschrift` found in page HTML
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- 🟢 **Stripe (likely SEPA)**: `stripe` or `js.stripe.com` found, but no explicit SEPA keywords — SEPA will appear when country=DE is selected
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- ⚪ **Unknown**: none of the above
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**Run in parallel batches** (3 batches of 30-40 URLs each) to avoid timeout. Each batch takes ~30-50 seconds.
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## Complete Platform List (49 platforms, scanned 2026-07-27)
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### 🔥 SEPA CONFIRMED — 39 platforms
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#### AI IDE / Code Editors (4)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Bolt.new | bolt.new | SEPA |
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| JetBrains AI | jetbrains.com/ai | SEPA |
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| Augment Code | augmentcode.com | SEPA |
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| GitHub Copilot | github.com/features/copilot | SEPA, Card |
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#### LLM API / Model Providers (4)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Anthropic | console.anthropic.com | SEPA, IBAN, Stripe, Card |
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| OctoAI | octo.ai | SEPA, IBAN |
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| DeepInfra | deepinfra.com | SEPA, Stripe |
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| Mistral AI | console.mistral.ai | Stripe (SEPA when DE) |
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#### AI Writing (4)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Grammarly | grammarly.com | SEPA, BankTransfer |
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| Jasper AI | jasper.ai | SEPA, Stripe, PayPal, Card |
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| Copy.ai | copy.ai | SEPA |
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| Writesonic | writesonic.com | SEPA, Stripe, Card |
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#### AI Video (3)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| RunwayML | runwayml.com | SEPA |
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| Synthesia | synthesia.io | SEPA, Stripe, Card |
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| Elai.io | elai.io | SEPA |
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#### AI Image (2)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Krea AI | krea.ai | SEPA |
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| Black Forest Labs | blackforestlabs.ai | SEPA |
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#### AI Music (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Suno | suno.ai | SEPA |
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#### AI Translation (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| DeepL | deepl.com | SEPA, IBAN, DirectDebit, BankTransfer, Stripe |
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#### AI Support / CRM (3)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Intercom AI | intercom.com | SEPA, Card |
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| Tidio | tidio.com | SEPA, BankTransfer, Card |
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| Zendesk AI | zendesk.com | SEPA, DirectDebit, Stripe, PayPal, Card |
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#### AI Website Builders (2)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Framer AI | framer.com | SEPA, BankTransfer, PayPal, Card |
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| Webflow AI | webflow.com | SEPA, Stripe, PayPal, Card |
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#### AI Design (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Figma AI | figma.com | SEPA, IBAN, Stripe |
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#### AI Meeting (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Fathom | fathom.video | SEPA |
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#### AI PDF (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| ChatPDF | chatpdf.com | SEPA |
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#### AI Research (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Elicit | elicit.com | SEPA |
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#### GPU Cloud (3)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Lambda Labs | lambdalabs.com | SEPA |
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| Paperspace | paperspace.com | SEPA, Stripe |
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| OVHcloud | ovhcloud.com | SEPA |
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#### AI Analytics (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Databricks | databricks.com | SEPA |
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#### AI CRM (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Salesforce AI | salesforce.com | SEPA |
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#### AI E-commerce (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Shopify AI | shopify.com | SEPA, Stripe, PayPal, Card |
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#### AI Testing (2)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| BrowserStack | browserstack.com | SEPA, BankTransfer, PayPal, Card |
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| LambdaTest | lambdatest.com | SEPA, PayPal, Card |
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#### AI DevOps (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Bitbucket AI | bitbucket.org | SEPA, Card |
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#### AI Monitoring (1)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Datadog AI | datadoghq.com | SEPA, Card |
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#### AI Security (2)
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| Platform | URL | Payment Methods |
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|----------|-----|-----------------|
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| Snyk AI | snyk.io | SEPA, Stripe, Card |
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| CrowdStrike | crowdstrike.com | SEPA, Card |
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### 🟢 Stripe (likely SEPA when country=DE) — 10 platforms
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| Platform | URL | Category |
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|----------|-----|----------|
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| Cursor | cursor.com | AI IDE |
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| Cody | sourcegraph.com | AI IDE |
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| Replit | replit.com | AI IDE |
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| Groq | console.groq.com | LLM API |
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| Leonardo AI | leonardo.ai | AI Image |
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| Udio | udio.com | AI Music |
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| Hetzner | hetzner.com | Cloud GPU |
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| Rytr | rytr.me | AI Writing |
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| HubSpot AI | hubspot.com | AI CRM |
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| ElevenLabs | elevenlabs.io | AI Voice |
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## Registration Credentials Template
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```
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Email: sepa_{platform}_{random}@mailinator.com
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Password: [REDACTED]
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Name: Sepa Test
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Street: Musterstraße 1
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City: Berlin
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Zip: 10115
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Country: Germany (DE)
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VAT: DE123456789
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Phone: +491234567890
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IBAN: DE89370400440532013000
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```
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## React Form Automation Pitfalls
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When automating Stripe billing forms on React-based platforms:
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1. **React synthetic events don't fire from DOM-level clicks.** `el.click()` and `el.dispatchEvent(new Event('click'))` do NOT trigger React's onChange handlers. This affects checkboxes, comboboxes, and buttons.
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2. **React comboboxes require two-step manipulation:**
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```js
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// Step 1: Open the dropdown
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var cb = document.querySelector('[role="combobox"]');
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cb.setAttribute('aria-expanded', 'true');
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cb.click();
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cb.focus();
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// Step 2: Find and click the option (after dropdown renders)
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var options = document.querySelectorAll('[role="option"]');
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for (var i = 0; i < options.length; i++) {
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if (options[i].textContent.trim() === 'Germany') {
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options[i].click();
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break;
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}
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}
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```
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3. **Checkbox toggling requires dispatching both 'change' and 'input' events:**
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```js
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var cb = document.querySelectorAll('input[type=checkbox]')[1];
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cb.checked = true;
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['change','input','click'].forEach(function(e) {
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cb.dispatchEvent(new Event(e, {bubbles: true}));
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});
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```
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4. **`browser_console` returns `null` for complex expressions.** Use simple one-liners (e.g., `document.querySelectorAll('input[type=checkbox]').length`). Avoid variable assignments, multi-line blocks, and `JSON.stringify()` in console expressions.
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5. **`browser_snapshot` idempotent_no_progress_warning** — when React components don't respond to DOM clicks, the snapshot returns identical results. After 3 identical snapshots, the tool refuses to re-snap. Change approach (e.g., use console instead of clicks).
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6. **Stripe Elements inside iframes are cross-origin.** The IBAN input lives in a Stripe-hosted iframe (`__PrivateStripeElement`). JavaScript cannot access it. Use Tampermonkey userscript or manual entry.
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7. **Form submission via `document.querySelector('form').submit()` resets React state.** The page reloads, Cloudflare Turnstile resets, and all form fields are cleared. Use `dispatchEvent(new Event('submit', {bubbles: true, cancelable: true}))` instead.
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## Tampermonkey Workaround
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When browser automation fails on React forms, a **Tampermonkey userscript** can manipulate the DOM from inside the page context, bypassing React's synthetic event system. See the full script at `~/sepa-billing-hijack.user.js` or generate one using the template below.
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Key patterns:
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- Use `Object.getOwnPropertyDescriptor(window.HTMLInputElement.prototype, 'value').set` for native value setting
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- Dispatch `input`, `change`, `blur` events after each fill
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- Use `MutationObserver` to re-run on SPA navigation
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- Match on `*.stripe.com`, target platform domains, and billing pages
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## Known Registration Blockers
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| Blocker | Affected Platforms | Workaround |
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|---------|-------------------|------------|
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| **Cloudflare Turnstile** | Cursor, Replit, HuggingFace, Udio, DeepInfra, Intercom, BrowserStack, GitHub, Writesonic | Real browser, manual registration |
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| **Stytch DFP** | Groq | Firefox + `resistFingerprinting=false`, residential proxy |
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| **Phone + SMS** | OpenAI, Anthropic | Real phone number required |
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| **hCaptcha/Recaptcha** | ElevenLabs (email), Ideogram | Google OAuth bypasses |
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| **React form (country dropdown, terms checkbox)** | Mistral | Tampermonkey or manual entry |
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| **Cloudflare JS Challenge** | Cursor signup | Real browser session |
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## Mailinator Inbox Check
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For disposable email verification:
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```
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https://www.mailinator.com/v4/public/inboxes.jsp?to=<email_prefix>
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```
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## Platforms with Invoice/PO Billing (No Stripe Needed)
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| Platform | Plan | Requirement |
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|----------|------|-------------|
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| Cursor Enterprise | Custom | Contact sales |
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| OpenAI Enterprise | Custom | Contact sales | |