Simplify payments using Stripe

Oscar Meridaoscar@musketeers.me

Early payment services painful

● Paylink & Payflow● Paypal

● Poorly Designed APIs● No API standard.● Documentation was

hard to find and use● Integration testing

cumbersome.

©2012 Oscar Merida@omerida

Processing payments is complicated

● Sign up for a merchant account or a payment gateway.

● Pay Fees - Setup, Monthly, Transaction● Secure your forms/site with SSL● Ensure PCI compliance

○ Firewall where card data is stored○ One function per server○ Deploy anti-virus software & keep it current○ Keep OS up to date

©2012 Oscar Merida@omerida

So we send customers away

©2012 Oscar Merida@omerida

Stripe simplifies payments

● No merchant account or gateway required.● Pay 2.9% + 30 cents per charge.● Available in the U.S. and Canada.● Well documented API with hooks for PHP, Javascript,

more● Pages w/payment forms must be HTTPS● Start accepting payments in minutes● Control the checkout & payment from start to finish.

©2012 Oscar Merida@omerida

Securely store customer data

● Can verify CVC and Address information.● Collect demographic and marketing data on

your site● Store sensitive card related data on Stripe

○ Certified PCI Level 1 Service Provider

©2012 Oscar Merida@omerida

Getting Started

● Sign up at http://stripe.com/● Provides two sets of API keys

○ One set for testing transactions○ One set for live transactions

● Download the PHP client library○ https://stripe.com/docs/libraries

● Initialize the client

require_once('./lib/Stripe.php');Stripe::setApiKey($my_public_key);

©2012 Oscar Merida@omerida

Creating a Charge// charge amount must be integer in cents and > 50

try {

$cents = (int) ($order->after_tax * 100);

$response = Stripe_Charge::create(array(

"amount" => $cents,

"currency" => "usd",

"card" => array(

'number' => $card,

'exp_month' => $month,

'exp_year' => $year,

'cvc' => $cvc,

'name' => $name,

'address_zip' => $zip,

),

"description" => sprintf("Submitting a payment")

));

} catch (\Stripe_CardError $ex) {

$errors = $ex->getMessage();

}

©2012 Oscar Merida@omerida

Catch exceptions on errors

Code Details

incorrect_number The card number is incorrect

invalid_number The card number is not a valid credit card number

invalid_expiry_month The card's expiration month is invalid

invalid_expiry_year The card's expiration year is invalid

invalid_cvc The card's security code is invalid

expired_card The card has expired

incorrect_cvc The card's security code is incorrect

card_declined The card was declined.

missing There is no card on a customer that is being charged.

processing_error An error occurred while processing the card.

©2012 Oscar Merida@omerida

Retrieve a successful charge

Response has a unique id associated with a sucessful charge. You can use this to pull up charge details within your app.Stripe_Charge::retrieve("ch_xuykedHrYF75sx");

©2012 Oscar Merida@omerida

Store & Retrieve Customers// create a new customer on stripe

$customer = Stripe_Customer::create(array(

"description" => "Customer for test@example.com",

"card" => array(

'number' => '4111111111111111',

'exp_month' => '03',

'exp_year' => '2015',

'cvc' => '123',

)));

// save stripe customer id for later

$customer_id = $customer->id;

// retrieve a customer from stripe

$customer = Stripe_Customer::retrieve($customer_id);

©2012 Oscar Merida@omerida

Creating subscription plans// create a "Pro Membership" plan

$plan = Stripe_Plan::create([

'amount' => '2500', // $25 in cents

'currency' => 'usd', // required

'trial_period_days' => 15, // first 15 days are free

'interval' => 'month', // billing frequency month|year

'name' => 'Pro Plan',

'id' => 'pro'

]);

// retrieve a plan

$pro = Stripe_Plan::retrieve('pro');

©2012 Oscar Merida@omerida

Subscribing customers to plans

Charge customers on a recurring basis$cupd = Stripe_Customer::retrieve($customer->stripe_id);

$cupd->updateSubscription([

'plan' => 'pro',

'prorate' => true, // prorate switching plans

'cancel_at_period_end' => false, // keep charging forever

'quantity' => 5 // bill them for 5 pro plan subscriptions

]);

// cancel a subcription

$cupd = Stripe_Customer::retrieve($customer->stripe_id);

$cupd->cancelSubscription();

©2012 Oscar Merida@omerida

Creating a coupon for customers

Coupons give a customer a percent off to subscriptions or invoices.

Stripe_Coupon::create([

'percent_off' => 20,

'duration' => 'repeating', // first three month discount

'duration_in_months' => 3,

'id' = '20DCPHP',

'max_redemptions' => 50, // limit usage to 50 people

'redeem_by' => strtotime('2012-12-31 23:59:59'), // UTC timestamp

]);

©2012 Oscar Merida@omerida

Apply a coupon to subscription$cupd = Stripe_Customer::retrieve($customer->stripe_id);

$cupd->updateSubscription([

'plan' => 'pro',

'prorate' => true, // prorate switching plans

'cancel_at_period_end' => false, // keep charging forever

'quantity' => 5 // bill them for 5 pro plan subscriptions,

'coupon' => '20DCPHP',

]);

©2012 Oscar Merida@omerida

Events to hook into your application

Stripe can send events to your application via a POST request with JSON data.You must respond with a 200 HTTP Status to indicate you received the webhook.● Send an email on charge.succeed events.● Notify user that a trial subscription will end.

©2012 Oscar Merida@omerida

Painless testing

● Stripe provides test numbers for testing cards and scenarios○ Test Visa, Mastercad, American Express numbers○ Test address, zip, cvc check failures○ Test card_declined, invalid expiration, invalid CVC○ See https://stripe.com/docs/testing

● View transaction logs on Stripe dashboard.

©2012 Oscar Merida@omerida

Other Stripe Features

● CRUD methods for any object● Create, retrieve, pay Invoices.● Integrates with Freshbooks

©2012 Oscar Merida@omerida