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

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 Currencies
AED: 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 Hryvnia 
UGX: 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

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:

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

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

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

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: shawn@actionable.co 
 
Tweet me @shawnhooper

Payments Made Easy with Stripe

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