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Stripe Application Integration

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The Stripe API allows developers to access the functionality of Stripe. Stripe is a service that allows users to accept payments online, specifically developers. With the Stripe application, users can keep track of payments, search past payments, create recurring charges, and keep track of customers.

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How do I integrate Stripe into my app?

The general process of Stripe setup

  1. Create your Stripe account. ...

  2. Select payment methods that your app will support in Payment methods settings. ...

  3. Configure the server side and create endpoints communicating with the Stripe API and the client side.

Can Stripe integrate with everything?

Stripe is a universal online platform because it processes all types of currencies and credit cards as well as working with numerous payment methods.

Is Stripe an API?

The Stripe APIs are powerful and flexible if you know how to use them. This tour of the API covers key information to help you understand the APIs more deeply: The core concepts we use across the APIs. The path a successful payment takes.

How long does a Stripe integration take?

In most cases, when you start processing live payments from your customers with Stripe, you won't receive your first payout until 7–14 days after receiving your first successful payment. The first payout may take longer for a number of reasons, including your country or being in a high-risk industry.

Does Stripe go straight to bank account?

With Instant Payouts, Stripe Dashboard users can access their Stripe balances immediately following a successful charge. You can request Instant Payouts any day or time, including weekends and holidays, and funds typically settle in the associated bank account within 30 minutes.

Are Stripe fees lower than PayPal?

Stripe: Credit Card Processing Comparison. Stripe's fee for swipe and chip transactions starts at 2.9% plus 9 cents per transaction while PayPal's is 2.29% plus 49 cents. The fee for keyed transactions for PayPal is higher, starting at 3.49% plus 9 cents while Stripe's fee does not change.

Stripe credit card payments

The basic version of Stripe Payments allows merchants to collect traditional one-off credit card purchases, either online or at physical locations. Stripe accepts and processes American Express, Visa, Discover, and Mastercard-branded cards, as well as some of the more niche products like UnionPay, JCB, and Diners Club. 


One of the things that differentiates Stripe Payments from traditional processors is the range of options Stripe offers merchants. They can embed a prebuilt payment form, build a form out of prebuilt elements, code their own from scratch, or connect Stripe to one of hundreds of compatible apps (like Jotform). Stripe provided implementation options for anyone, regardless of their technical ability, and that was unique.


Stripe digital wallet payments, You may be familiar with Apple Pay and Google Pay. The two largest tech companies control the lion’s share of the digital wallet market in the U.S., where wallets are still a little bit of a novelty. 


Internationally, though, mobile wallets are exploding. In China, for example, over half a billion people used mobile wallets to complete a transaction in 2018. The Stripe digital wallet integration lets your business accept payments in whatever manner people prefer to make them and enables your e-commerce to go global.


Stripe’s digital wallet service allows for payments from Apple and Google Pay, Microsoft Pay, Masterpass, Visa Checkout, Amex Express Checkout, WeChat Pay, and others.


Stripe international payments

Speaking of taking your business international, Stripe accepts payments in more than 135 currencies and in most countries. Accepting international cards adds a 1 percent fee on top of the standard fees, and converting from a different currency adds another 1 percent on top of that, bringing the total fee for Stripe international transactions to 4.9 percent plus 30 cents.

If that sounds high, don’t fret ⁠— Stripe also offers some options to reduce those fees. For those charging large transactions, methods like ACH, SEPA direct debit, Alipay, and others allow a transaction fee of between 0.8 percent and 2.9 percent (plus that 30 cent transaction charge). And in some countries Stripe allows merchants to set up local subsidiary accounts to make accepting local payments easier and to lower fees.


Stripe automatic payments

For businesses that require recurring regular payments, like subscriptions or retainers, Stripe offers an automatic payment option that allows you to send out payments for the same amounts at regular intervals of your choosing. The best part of Stripe’s recurring revenue plan is that you don’t incur any additional fees until you exceed $1 million in recurring revenues. After that, Stripe will charge you an additional 0.4 percent. 

Stripe’s recurring payment plan is bundled into their general billing platform, which allows for other kinds of invoicing. The platform also has a number of security and safety features built in to keep recurring credit card transactions from being rejected.

Stable costs

Stripe charges a stable percentage (and sometimes a minimal processing fee) for every transaction type. There are no monthly costs or limits to the number of transactions that are run. There are also no tiers or service levels that business have to manually deal with. If you do enough business, you’ll be automatically switched to a lower percentage per transaction.

This lack of fixed costs makes Stripe very attractive for businesses of all sizes. You only pay when you accept payments, and the amount you pay doesn’t change drastically from month to month.

Advantages of Stripe

Now that we’ve gone over the global benefits of using Stripe, we can take a look at the advantages of Stripe against specific competitors.

Advantages of Stripe over Square

Square has grown to become a giant in the payment processing space. Though they began as a card-swiping dongle users could attach to their phones, they’ve grown well beyond that and now offer multiple e-commerce options.

However, the payment methods Square accepts are limited: cards and mobile wallets only. They also don’t have nearly the same global reach that Stripe does and lack many of Stripe’s customization and integration options.

Advantages of Stripe over PayPal

The grandfather of online payments, PayPal largely introduced the world to online payment processors, not to mention to such famous names as Peter Thiel and Elon Musk. Since their founding, however, they’ve gone through a number of transitions in ownership and lost much of the pioneering spirit the company was founded on.

As an example, PayPal requires all transactions to redirect to their page for completion, breaking up customer flows and leading to higher abandonment. You can use a “hosted” payment page, but you’ll have to pay a monthly subscription fee for it. 

PayPal also requires a thorough vetting process for new accounts and plays a much more active role in settling disputes, much to the annoyance of many business owners.

Advantages of Stripe over Braintree

Braintree’s actually owned by PayPal, even though the companies seem as different as night and day. Whereas PayPal sometimes feels like a large out-of-touch corporation, Braintree’s right next to Stripe on the cutting edge of payment processing.

The biggest advantages Stripe has over Braintree are the number of integrations available and the speed with which new services are offered. Stripe has managed to stay on the cutting edge of development despite their age, but their age also means that they’ve had time to develop more plug-ins and partnerships.

Fraud and dispute handling

In the event of credit card fraud or disputes, Stripe helps you manage risk and more confidently fight fraud. Even if a credit card is new to your business, it’s probably been seen on the Stripe network before. 

Stripe Radar is a machine learning system that integrates with your payments. It helps mitigate against fraud, provides transparent risk scores and real-time fraud insights, and supports trust and block lists. 

Stripe also reduces the risk of fraud and chargebacks by adding an additional layer of authentication that protects you from liability for fraudulent card payments. Dynamic 3D Secure selectively applies authentication to only high-risk transactions or payments that require authentication due to regulation.

During dispute handling, Stripe’s automated process works directly with credit card networks to help submit the best possible evidence in your favor.

Settling and reconciling accounts

Using Stripe means you can simplify and accelerate transaction reconciliation. Stripe’s API and Dashboard provide real-time information about charges, fees, refunds, and transfers.

You can create financial reports directly with Stripe data instead of having to compile multiple reports from different merchant account providers. Stripe also tags every deposit with a transfer report that details the exact transactions and fees, further simplifying how you reconcile transactions. 

Stripe includes built-in reporting features. You can also create your own reports through the API. Automatically sync your Stripe data with your accounting ledger or use it to export information about payments, refunds, and fees.

Stripe encryption

Stripe encryption provides peace of mind for merchants and customers alike. It secures both payment information in transit and stored payment information. 

On the web, Stripe forces the HTTPS connection for all services using TLS (transport layer security), also known as SSL (secure sockets layer). That means anything sent to or from Stripe is encrypted, including the Stripe public website and the Dashboard.

When you’re using Stripe.js, you can only access it over TLS. Additionally, all of Stripe’s official libraries connect to Stripe’s servers over TLS and verify TLS certificates on each connection. That helps secure customer information, including sensitive payment data, while it’s in transit.

Stripe fraud prevention

Radar is Stripe’s fraud protection mechanism. It uses machine learning to detect and block fraudulent transactions, and it’s built right into Stripe. Radar trains on data from millions of global companies, allowing its machine learning algorithms to become smarter and better at detecting new kinds of fraud.

Radar is customized for modern internet transactions. The old ways of fraud protection were never meant for online transactions, but Radar was built specifically for them and helps prevent unnecessarily declined transactions and lost revenue.

Stripe fraud prevention also includes the use of 3D Secure, which is also known by its brand names (Visa Secure, Mastercard Identity Check, or American Express SafeKey). Stripe is supporting 3D Secure 2.0, which introduces “frictionless authentication” and provides a better purchasing experience than 3D Secure 1.0.


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