Payments Made Easy with Stripe

An introduction to the Stripe Payment Gateway & API. Delivered at the ConFoo Web Technology Conference in Montreal.

Transcript

1. Payments Made Easy with Stripe ConFoo 2016 @shawnhooper - shawnhooper.ca
2. Chief Technology Officer at 
 Actionable Books From Ottawa, Canada Fan of a well written API Hi, I’m Shawn @shawnhooper - shawnhooper.ca
3. @shawnhooper - shawnhooper.ca 
 A set of unified APIs and tools that instantly enables businesses to accept and manage online payments. Built for developers!
4. What does Stripe cost ? @shawnhooper - shawnhooper.ca 
 2.9% + $0.30 per transaction Discounted rates apply once you exceed $10,000 in transactions per month.
5. What does Stripe cost ? @shawnhooper - shawnhooper.ca 
 No setup fees
 No monthly fees
 Free refunds
 Free failed transactions
6. What does Stripe cost ? @shawnhooper - shawnhooper.ca 
 
 
 $15 fee on chargebacks
 * refunded if the dispute is resolved
 in your favour
7. What does Stripe cost ? @shawnhooper - shawnhooper.ca 
 
 
 2% Currency Exchange Fee
8. What does Stripe cost ? @shawnhooper - shawnhooper.ca 
 
 0.5% on funds paid out through Managed Accounts
9. What payment methods are accepted with Stripe? @shawnhooper - shawnhooper.ca 
 Visa MasterCard American Express Apple Pay Android Pay
10. What payment methods are accepted with Stripe? @shawnhooper - shawnhooper.ca 
 If you have a US Dollar Bank Account: Bitcoin ACH (Direct to Bank Account) AliPay
11. What payment methods are accepted with Stripe? @shawnhooper - shawnhooper.ca 
 If you have a US Stripe Account : JCB Discover Diner’s Club
12. What currencies are accepted ? @shawnhooper - shawnhooper.ca 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
13. What currencies are accepted ? @shawnhooper - shawnhooper.ca MAD: Moroccan Dirham
 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
14. What currencies are accepted ? @shawnhooper - shawnhooper.ca Unfortunately, in Canada, you can only charge in: Canadian Dollar (CAD) United States Dollar (USD)
15. Transfer Periods @shawnhooper - shawnhooper.ca Transfers from your Stripe account to your bank account happen automatically. In Canada, transfers happen on a rolling 7 day period.
16. How do you use Stripe ? @shawnhooper - shawnhooper.ca
17. How do you use Stripe ? @shawnhooper - shawnhooper.ca 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
18. @shawnhooper - shawnhooper.ca
19. How do you use Stripe ? @shawnhooper - shawnhooper.ca If you’re in production, your site needs to running HTTPS. You can use HTTP for testing.
20. Test Credit Card #s @shawnhooper - shawnhooper.ca https://stripe.com/docs/testing
21. Test Credit Card #s @shawnhooper - shawnhooper.ca https://stripe.com/docs/testing
22. How do you use Stripe ? @shawnhooper - shawnhooper.ca Download a Stripe Library 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
23. Stripe Checkout @shawnhooper - shawnhooper.ca
24. Stripe Checkout @shawnhooper - shawnhooper.ca This is the simplest way of charging credit cards.
25. Stripe Checkout @shawnhooper - shawnhooper.ca Create your checkout button:
26. Stripe Checkout @shawnhooper - shawnhooper.ca
27. Stripe Checkout @shawnhooper - shawnhooper.ca stripeToken A hidden field that contains a token representing the credit card entered.
28. Stripe Checkout @shawnhooper - shawnhooper.ca
29. Congratulations! You’ve successfully charged your customer! @shawnhooper - shawnhooper.ca
30. Stripe Checkout @shawnhooper - shawnhooper.ca 
 Add metadata to your charge:
31. Stripe Checkout @shawnhooper - shawnhooper.ca 
 Store cards for future use
32. Stripe.js @shawnhooper - shawnhooper.ca
33. Stripe.js @shawnhooper - shawnhooper.ca Instead of using the modal credit card form from Stripe, you can build your own.
34. Stripe.js @shawnhooper - shawnhooper.ca
35. @shawnhooper - shawnhooper.ca
36. Stripe.js @shawnhooper - shawnhooper.ca
37. Stripe.js @shawnhooper - shawnhooper.ca
38. Stripe.js @shawnhooper - shawnhooper.ca Just like when using Stripe Checkout the next step is to charge the card, or store it for future use as a Customer object.
39. Subscriptions @shawnhooper - shawnhooper.ca
40. Subscriptions @shawnhooper - shawnhooper.ca Create a Plan:
41. Subscriptions @shawnhooper - shawnhooper.ca Subscribe a Customer to a Plan:
42. Subscriptions @shawnhooper - shawnhooper.ca Other features of the subscription system: Changing (upgrading/downgrading) subscriptions Trial Periods Coupons & Discounts Metered Billing (one time charges) Per User Pricing
43. Stripe Connect @shawnhooper - shawnhooper.ca
44. Stripe Connect @shawnhooper - shawnhooper.ca Allows you to create a marketplace or platform that interacts with other Stripe accounts.
45. Stripe Connect @shawnhooper - shawnhooper.ca Standalone Accounts Easier to setup (as a platform)
 Puts more responsibility on the account holder
46. Stripe Connect @shawnhooper - shawnhooper.ca Managed Accounts Invisible to the connected account holder More responsibility lies with the platform Incurs the 0.5% fee on payout
47. Stripe Connect @shawnhooper - shawnhooper.ca https://connect.stripe.com/oauth/authorize? response_type=code&client_id=ca_5dYwdVHsycnuKKz6OM2bBh6 N2u3lCkll&scope=read_write&state=234983275
48. @shawnhooper - shawnhooper.ca
49. Stripe Connect @shawnhooper - shawnhooper.ca 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 %20your%20request
50. Stripe Connect @shawnhooper - shawnhooper.ca
51. Stripe Connect @shawnhooper - shawnhooper.ca
52. Stripe Connect @shawnhooper - shawnhooper.ca Charge Directly:
53. Stripe Connect @shawnhooper - shawnhooper.ca Application Fees:
54. Stripe Connect @shawnhooper - shawnhooper.ca Charge Through the Platform:
55. Sharing Customers @shawnhooper - shawnhooper.ca https://stripe.com/docs/connect/shared-customers
56. Sharing Customers @shawnhooper - shawnhooper.ca https://stripe.com/docs/connect/shared-customers
57. Refunds @shawnhooper - shawnhooper.ca
58. Refunds @shawnhooper - shawnhooper.ca https://stripe.com/docs/api/node#create_refund
59. Webhooks @shawnhooper - shawnhooper.ca
60. Webhooks @shawnhooper - shawnhooper.ca Allow Stripe to notify your application when anything happens in your Stripe account.
61. Webhooks @shawnhooper - shawnhooper.ca Everything you do in Stripe is synchronous, but you may need to know things that happen when your app isn’t expecting it.
62. @shawnhooper - shawnhooper.ca
63. Webhooks @shawnhooper - shawnhooper.ca
64. Webhooks @shawnhooper - shawnhooper.ca Webhook requests must always return HTTP 2xx
65. Webhooks @shawnhooper - shawnhooper.ca Webhooks can be sent more than once. Make your processing idempotent
66. Relay @shawnhooper - shawnhooper.ca
67. Relay @shawnhooper - shawnhooper.ca Let’s you sell products directly on Twitter and Spring using the Stripe API
68. Relay @shawnhooper - shawnhooper.ca New API Objects: Product SKU Order
69. Relay @shawnhooper - shawnhooper.ca
70. Relay @shawnhooper - shawnhooper.ca
71. @shawnhooper - shawnhooper.ca
72. Tweet! @shawnhooper - shawnhooper.ca https://products.stripe.com/twitter/ acct_1xieu3ZypJUk5ob5FHRm/products/ prod_6yk2nr0y97WMag
73. @shawnhooper - shawnhooper.ca
74. Stripe Relay @shawnhooper - shawnhooper.ca Implement Webhooks Mark Orders as Fulfilled Profit!
75. API Documentation @shawnhooper - shawnhooper.ca
76. API Documentation @shawnhooper - shawnhooper.ca https://stripe.com/docs/api/
77. @shawnhooper - shawnhooper.ca
78. Data Portability @shawnhooper - shawnhooper.ca
79. Data Portability @shawnhooper - shawnhooper.ca 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.
80. Thank you!
 Slides: www.shawnhooper.ca
 E-Mail: shawn@actionablebooks.com
 Twitter: @shawnhooper
 @shawnhooper - shawnhooper.ca