Payments Made Easy with Stripe

Payments Made Easy with

Stripe

ConFoo Vancouver 2016

Blog - shawnhooper.ca Twitter - @shawnhooper

Director of IT at Actionable.co

Web Developer for the past 20 years

Happy to be visiting here from Ottawa

Hi, I’m Shawn

A set of unified APIs and tools that instantly enables businesses to accept and

manage online payments.

Built for developers!

What is Stripe?

2.9% + $0.30 per transaction

Discounted rates apply once you exceed $10,000 in transactions per month.

What does Stripe cost?

No setup fees

No monthly fees

Free refunds

Free failed transactions

$15 fee on chargebacks

* refunded if the dispute is resolved in your favour

2% Currency Exchange Fee

0.5% on funds paid out through Managed Accounts

MasterCard

American Express

Apple Pay

Bitcoin, Alipay, ACH (US Only)

Payment Methods Accepted

If you have a US Dollar Bank Account:

Bitcoin ACH (Direct to Bank Account)

AliPay

If you have a US Stripe Account :

JCB Discover

Diner’s Club

Accepted CurrenciesAED: United Arab Emirates Dirham

ALL: Albanian Lek ANG: Netherlands Antillean Gulden

ARS: Argentine Peso* AUD: Australian Dollar AWG: Aruban Florin

BBD: Barbadian Dollar BDT: Bangladeshi Taka BIF: Burundian Franc

BMD: Bermudian Dollar BND: Brunei Dollar

BOB: Bolivian Boliviano* BRL: Brazilian Real*

BSD: Bahamian Dollar BWP: Botswana Pula BZD: Belize Dollar

CAD: Canadian Dollar CHF: Swiss Franc

CLP: Chilean Peso* CNY: Chinese Renminbi Yuan

COP: Colombian Peso* CRC: Costa Rican Colón*

CVE: Cape Verdean Escudo* CZK: Czech Koruna*

DJF: Djiboutian Franc* DKK: Danish Krone

DOP: Dominican Peso DZD: Algerian Dinar EGP: Egyptian Pound ETB: Ethiopian Birr

EUR: Euro FJD: Fijian Dollar

FKP: Falkland Islands Pound* GBP: British Pound

GIP: Gibraltar Pound GMD: Gambian Dalasi GNF: Guinean Franc*

GTQ: Guatemalan Quetzal* GYD: Guyanese Dollar

HKD: Hong Kong Dollar

HNL: Honduran Lempira* HRK: Croatian Kuna HTG: Haitian Gourde

HUF: Hungarian Forint* IDR: Indonesian Rupiah ILS: Israeli New Sheqel

INR: Indian Rupee* ISK: Icelandic Króna JMD: Jamaican Dollar

JPY: Japanese Yen KES: Kenyan Shilling

KHR: Cambodian Riel KMF: Comorian Franc

KRW: South Korean Won KYD: Cayman Islands Dollar

KZT: Kazakhstani Tenge LAK: Lao Kip*

LBP: Lebanese Pound LKR: Sri Lankan Rupee LRD: Liberian Dollar

MAD: Moroccan Dirham

Accepted Currencies

MDL: Moldovan Leu MNT: Mongolian Tögrög MOP: Macanese Pataca

MRO: Mauritanian Ouguiya MUR: Mauritian Rupee* MVR: Maldivian Rufiyaa

MWK: Malawian Kwacha MXN: Mexican Peso*

MYR: Malaysian Ringgit NAD: Namibian Dollar NGN: Nigerian Naira

NIO: Nicaraguan Córdoba* NOK: Norwegian Krone NPR: Nepalese Rupee

NZD: New Zealand Dollar PAB: Panamanian Balboa* PEN: Peruvian Nuevo Sol*

PGK: Papua New Guinean Kina PHP: Philippine Peso

PKR: Pakistani Rupee PLN: Polish Złoty

PYG: Paraguayan Guaraní* QAR: Qatari Riyal

RUB: Russian Ruble SAR: Saudi Riyal

SBD: Solomon Islands Dollar SCR: Seychellois Rupee

SEK: Swedish Krona SGD: Singapore Dollar

SHP: Saint Helenian Pound* SLL: Sierra Leonean Leone

SOS: Somali Shilling STD: São Tomé and Príncipe Dobra

SVC: Salvadoran Colón* SZL: Swazi Lilangeni

THB: Thai Baht TOP: Tongan Pa‘anga

TTD: Trinidad and Tobago Dollar TWD: New Taiwan Dollar

TZS: Tanzanian Shilling UAH: Ukrainian HryvniaUGX: Ugandan Shilling

USD: United States Dollar UYU: Uruguayan Peso* UZS: Uzbekistani Som

VND: Vietnamese Đồng VUV: Vanuatu Vatu WST: Samoan Tala

XAF: Central African Cfa Franc XOF: West African Cfa Franc*

XPF: Cfp Franc* YER: Yemeni Rial

ZAR: South African Rad

Unfortunately, in Canada, you can only charge in:

Canadian Dollar (CAD) United States Dollar (USD)

Accepted Currencies

Transfers from your Stripe account to your bank account happen automatically.

In Canada, transfers happen on a rolling 7 day period.

Transfer Periods

How Do You Use Stripe?

You need a publishable and a secret key

pk_test_TWiIAK1daBceEh3lfCDzjavf sk_test_nigZcikILd8oLeaJk4hvuYtN

You get these in your dashboard under Account Settings, API Keys

API Keys

If you’re in production, your site needs to running HTTPS.

You can use HTTP for testing.

https://stripe.com/docs/testing

Test Credit Card Numbers

https://stripe.com/docs/testing

Test Credit Card Numbers

There are official libraries available for Python, Ruby, PHP, Java, Node.js, Go,

iOS and Android + many other community libraries

https://stripe.com/docs/libraries

Download a Stripe Library

Stripe Checkout

This is the simplest way of charging credit cards.

Stripe Checkout

Create your checkout button:

Stripe Checkout

stripeToken

A hidden field that contains a token representing the credit card entered.

Stripe Checkout

Congratulations! You’ve successfully charged

your customer!

Add Metadata

Store Cards for Future Use

Stripe.JS

Instead of using the modal credit card form from Stripe,

you can build your own.

Stripe.JS

Just like when using Stripe Checkout

the next step is to charge the card, or store it for future use as a Customer object.

Stripe.JS

Subscriptions

Create a Plan

Subscribe Customer to a plan

Subscriptions

Other features of the subscription system:

Changing (upgrading/downgrading) subscriptions Trial Periods

Coupons & Discounts Metered Billing (one time charges)

Per User Pricing

Stripe Connect

Allows you to create a marketplace or platform that interacts with other Stripe accounts.

Stripe Connect

Standalone Accounts:

Easier to setup (as a platform)

Puts more responsibility on the account holder

Stripe Connect

Managed Accounts:

Invisible to the connected account holder More responsibility lies with the platform

Incurs the 0.5% fee on payout

Stripe Connect

As the “Marketplace” you would send your user to a URL like this to setup their account and authorize you to charge

on their behalf:

https://connect.stripe.com/oauth/authorize?response_type=code&client_id=ca_5dYwdVHsycnuKKz6OM

2bBh6N2u3lCkll&scope=read_write&state=234983275

Stripe Connect

Success:

https://example.com/return-url/?section=stripeconnect&stripeconnectresponse=true?scope=read_write&code=AUTHORIZATION_CODE

&state=STATE_VALUE

Failure: https://example.com/return-url/?

section=stripeconnect&stripeconnectresponse=true?error=access_denied&error_description=The%20user%20denied%20y

our%20request

Stripe Connect

Charge from Connected Account

Application Fees

Charge Through the Platform

Sharing Customers

Refunds

Webhooks

Allow Stripe to notify your application when anything

happens in your Stripe account.

Webhooks

Everything you do in Stripe is synchronous,

but you may need to know things that happen when your app isn’t expecting it.

Webhooks

Webhook requests must always return HTTP 2xx

Webhooks

Webhooks can be sent more than once.

Make your processing idempotent

Let’s you sell products directly on Twitter and Spring using the Stripe API

New API Objects:

Product SKU

https://products.stripe.com/twitter/acct_1xieu3ZypJUk5ob5FHRm/products/

prod_6yk2nr0y97WMag

Implement Webhooks

Mark Orders as Fulfilled

Profit!

Machine Learning assisted fraud detection.

Custom Rules

Review Flagged Payments

API Documentation

https://stripe.com/docs/api/

Data Portability

If you want to leave Stripe, they’ll help you with that too.

They’ll facilitate transferring credit card data to your next provider in a PCI-compliant way.

For free.

Thank You!

These slides will be available at

shawnhooper.ca

E-Mail: shawn@actionable.co

Tweet me @shawnhooper

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