I am working on a stripe backend in node and a react frontend, the idea being to create a platform for buyers and sellers. I have created the seller's side where users create connect accounts and add a bank to that account.
Now I want to set up the buyer's side. I want to be able to have a customer store their credit/debit card information to use to pay in the future. Below are my questions, they're a bit broad but I just want some basic guidance, not looking for code answers:
Should I aim to have users enter information and then have stripe create a customer object with all their information as a way of storing credit card info?
Can I use the react-stripe-elementslibrary to facilitate this process as it seems to be made to be secure? I've been looking at the examples but they seem to revolve around paying directly by inputting information to pay right away. Unless I am misunderstanding?
Should I aim to have users enter information and then have stripe
create a customer object with all their information as a way of
storing credit card info?
Yes, the main approach is to collect the card details which will produce a PaymentMethod object that you can then save to a Customer. The easiest way to do this is by using the SetupIntents API as described here:
https://stripe.com/docs/payments/save-and-reuse
If you follow that guide a PaymentMethod will be created automatically when you confirm the SetupIntent, and since you provide a Customer when creating the SetupIntent, Stripe will automatically save the PaymentMethod to the Customer.
Can I use the react-stripe-elementslibrary to facilitate this process
as it seems to be made to be secure? I've been looking at the examples
but they seem to revolve around paying directly by inputting
information to pay right away. Unless I am misunderstanding?
You should use the new React library from Stripe instead (assuming you're on React v16.8 and above):
https://github.com/stripe/react-stripe-js
The library is a simple wrapper around Stripe Elements which exposes an input field for your users to enter in their credit card details. When you use that pre-built input field from Stripe, they will automatically create PCI compliant forms for you: https://stripe.com/docs/security/guide. Otherwise, you would need to prove your business's PCI compliance annually which is a lot of work.
The client-side steps in the Save and Reuse guide all have a "React" tab that you can click on to show the React version (that uses the new react-stripe-js library):
https://stripe.com/docs/payments/save-and-reuse#web-collect-card-details
Related
I'm new to Square and want to implement it in a React Native app with a Node backend.
I see that there is a method to save the customer's card details.
https://github.com/square/square-nodejs-sdk/blob/master/src/api/customersApi.ts#L230
But there is also the payment form?
https://developer.squareup.com/docs/payment-form/how-it-works
Firstly, I cannot see if the payment form is even available in React Native - information seems very scarce.
Secondly, even if I do implement that form, I can't see a way to connect it to the customers API endpoint.
I don't want to use in-app payments (i.e. google or apple pay). I want to be able to save card details like Amazon does, and use them whenever a user places an order in app (probably triggered by a node process). I'm not sure if I'm going about this the correct way, guidance would be appreciated.
In-App Payments SDK will be the way to go (and there is a React Native plugin already). The In-App Payments SDK is basically a mobile Square Payment Form, that you linked to. It will generate a secure nonce, and you can use the nonce to save the card on file. The next time the customer comes, instead of bringing up In-App Payments, you can simply call CreatePayment in your backend, with the customer_id and the customer_card_id as the source.
As for "connecting it to the Customers API" - you don't connect it directly per se. You would collect information from the customer, on your own, and pass it directly to the Customers API to create a customer. You can then call CreateCustomerCard using the nonce (generated by In-App Payments), and the customer_id that you just created, to save the card to this customer profile.
I'm trying to register a user payment info by directly using fetch to Stripe's API (since it's a React Native app, I can't use Stripe Elements). It follows the usual concept: a user registers his credit card, which is then associated to his account so he can make payments in the app.
I tried to approach this problem by creating a credit card token with the info that the user provides on signup, but I've realized that that token is only worth for one payment, or for associating to a customer.
Meanwhile I saw that Sources are maybe what I need in my app, since we can get back to it and charge it multiple times. However, from what I see in the API docs there's no reference to the credit card info when creating the source.
What do I need to create to be able to do this (registering a card to be used several times) only through the API?
By creating a token previously, you can then use it as an argument to the creation of the source. Then, the token properties will override source parameters. Thanks to #Evgenii Malikov for the tip.
You need to create a token of your card previously. For that, you can use tipsi-stripe package.
Perfect package if you want to implement credit card, apple / google pay.
I have a subscription service for which free trials are allowed before signing up for the full payed service. I want to ask the customer to provide credit card details before gaining access to the free trial, to prevent abuse of the trial.
I'm using Stripe to handle payments so that I don't have to deal with storage of any sensitive payment information. This free trial scenario would seem to be very common, so I assumed there would be some way to query a card to make sure that it hasn't been used to sign up already. Just some API call that would accept the card number etc. and return a boolean.
I haven't seen anything like in the API docs. I know that fingerprints of cards are accessible after creating a card source, so is it advisable to store them myself and query them? Or have I missed something in the docs?
Just to be clear... I'm not looking to search a card for a particular customer. I know I can iterate over the cards to do that, but I'd have to iterate over the cards of every customer to accomplish what I want, which is not feasible.
Here you probaly want to contact the support team and suggest this as a new feature.
A possibility is the fingerprint you mention, in my opinion this would be the way i would do it too.
One single card should never be associated with one customer in a platform.
No, there is no way to check whether a credit card is used for another customer or not. And there shouldn't be. Because a customer has right to use his/her single credit card to maintain more than accounts.
You can easily integrate trial feature of a Subscription in Stripe which is best way to implement Trial feature using Stripe. If any customer's payment failed after trial expired then you will be notified by Stripe.
And Stripe and any other payment gateway is not advise to store any card info due to security issue.
I'm making a simple stripe checkout using Leadpages. With that said, I'm only able to use stripe.js rather than all of the massive API features that Stripe has to offer.
After entering the credit card information, the customer will be sent to an upsell page. Is it possible to do a 1-click upsell using Stripe.js?
If not, I may have to look into other options.
How do I save a card to a customer with Stripe.js?
I don't want to change them at this point. I just want to save the credit card info to their stripe account so I can use it later.
It seems like I'd need to use createToken from Stipe.js. But my understanding is that this is a one time use token. I want to save the credit card info for later use.
This seems to be a similar question: Stripe Payment: Save token and customer and make payment later from token
but the solution isn't clear. I'm not sure if it means for the customer I need to save card=token and everything will work fine.
Though the question is an old one and solution of this problem is now pretty straightforward in the current Stripe API, I'm just answering for those who accidentally reached or will reach here without reading the Official Stripe Doc properly(like me) searching for this question.
To make a stripe payment You first need to make a call to the Stripe API(Using Stripe's Checkout widget, Elements or Mobile SDKs) with the User's card information. As a response, you will get a token. Then you can charge your customer immediately using Stripe's Charge API. This is for just one-time payment. You will find an example here.
If you want to save customer's information for later payment, you need to create a 'Customer' first using Stripe's API and then using that customer's ID (returned as a response from the previous API call) you can charge this customer. Example here.
I just described the process briefly to show the idea at a glance. But you should really need to read this quickstart guide in Stripe's documentation. This explains the process very well.
I just want to save the credit card info to their stripe account so I
can use it later.
Then that's exactly what you can do!
If you're already passing the token back into your server-side code, you just need to update that server-side code to retrieve the customer and create the card on that customer record using the token.
Not knowing what language you're using I can't provide relevant sample code, but the Stripe API reference has functional examples for Ruby, Python, PHP, Java, and Node.js.
Note that if the customer has any outstanding invoices, this card will be used the next time they attempt to settle—so while simply adding the card won't create a charge by itself, it's possible the card may still be billed.
A key point that the prior answers seems to dance around but do not explicitly state is that you can't simply save the credit card (token) in Stripe. Stripe's API's don't save credit cards per se, however, they can save a customer and attached to the customer you can save one more credit cards (or payment sources). So a credit card (or payment source) is not a stand alone entity in the Stripe storage system, it's a child entity of a Customer.