payments made easy with stripe

Payments Made Easy with

Stripe

ConFoo Vancouver 2016

Blog - shawnhooper.ca Twitter - @shawnhooper

http://shawnhooper.ca


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




Visa

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



https://stripe.com/docs/testing

Test Credit Card Numbers


https://stripe.com/docs/testing


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


https://stripe.com/docs/libraries


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



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



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



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



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



Relay



Relay

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



Relay

New API Objects:

Product SKU

Order



Relay



Relay

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

prod_6yk2nr0y97WMag


https://products.stripe.com/twitter/acct_1xieu3ZypJUk5ob5FHRm/products/prod_6yk2nr0y97WMag




Relay



Relay

Implement Webhooks

Mark Orders as Fulfilled

Profit!



Radar



Radar

Machine Learning assisted fraud detection.

Custom Rules

Review Flagged Payments



API Documentation



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



Data Portability



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: [email protected]

Tweet me @shawnhooper



mailto:[email protected]

payments made easy with stripe

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