Stripe

What is Stripe?

Stripe is a payment gateway and merchant account combined. This means that you don't need to open a separate account with your bank, as well as Stripe, to receive online payments. Instead Stripe offer everything you need to accept credit/debit card payments from your customers and for that money to go straight into your bank account.

Stripe charges 2.9% +30¢ on each transaction you process. So a transaction of $100.00 will cost $2.90 + 30¢, $3.20 in total processing fees.

All the different payment gateways available will make a charge for each transaction you process, but have slightly different charging structures. On a comparison with other payment gateways, Stripe offer a competitive rate.

Stripe will offer a discount on this standard rate if you are processing a large value of transactions.

Compared to other payment gateways like SagePay or WorldPay, Stripe is relatively new (although it was formed in 2011) - so it's infrastructure has been built for the modern digital economy and they are very often one of the first of the major payment gateways to offer new available features like 3DS 2.0.

One of the other benefits of using Stripe as your payment gateway is that you'll have the ability to use our subscription system to process recurring payments.

Opening a Stripe account

If you don't already have a Stripe account, you'll need to open one.

Your Stripe account can usually be created within just a few minutes and you will be able to start processing transactions after you've confirmed your identity.

To open a Stripe account, click here.

If you haven't added your own domain name to your ShopWired account yet, when providing your website address to Stripe you can use your (temporary) ShopWired domain name instead.

Stripe doesn't charge a monthly or minimum fee.

Enabling Stripe on your ShopWired account

ShopWired has a ready made integration with Stripe which means that to link your online store to accept payments through Stripe, you just need to click the 'connect with Stripe' button and follow the onscreen instructions.

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Testing your integration

ShopWired's integration with Stripe has undergone thorough testing.

You can place a test transaction if you want to, but this will be 'live' in the sense that money will leave your card and go into your Stripe account (Stripe will deduct their processing charge). Where placing a test transaction please ensure that it is for at least $1.

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SSL certificate

Because the integration keeps your customers on your website when entering their credit/debit card details you'll need to ensure you have activated an SSL certificate on your account before processing live customer tranasctions (in order to protect cardholder data).

This can be done within your ShopWired account by following the instructions here.

Settings

Send customer email

Select 'Yes' if you want your customers to receive an email from Stripe with a receipt for their order. This would be in addition to the order confirmation email that is sent from your ShopWired account.

If you enable this setting, you should also ensure you have the equivalent setting enabled within your Stripe account.

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Allow customers to store cards in their account

Select 'Yes' if you want your customers to be able to store their card details in their account, allowing them to check out quicker next time.

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Display the AMEX payment card logo

Select 'Yes' if you would like the AMEX card logo to display.

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Automatically capture payments

Select 'Yes' if you would like payments to be made immediately when an order is submitted. If you select 'No', then funds will only be authorised and you will need to manually process the payment from the order page.

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Enable Apple Pay and Google Pay

Select 'Yes' if you would like your customers to be able to pay using Apple Pay or Google Pay. You will also need to enable the relevant settings in your Stripe account by following the instructions below.

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I would like to be able to process card transactions through the admin system when creating an order

If you select 'Yes' for this setting, you will be able to enter card details to take payments when processing an admin order. For each order you create you will be asked if you would like to enter card details or proceed without payment.

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When should pre-orders be charged

If you use the pre-order app, you can use this setting to determine if you want payment for pre-orders to be taken immediately or on demand. If you select 'Immediately', the customer's card will be charged when they place their order. If you select 'On demand', the customer's card will not be charged until you select mark as ready for dispatch and charge card when managing the pre-order.

Apple Pay & Google Pay

ShopWired's integration with Stripe also integrates with both Apple Pay and Google Pay.

All of the integration work has been completed by ShopWired, to use the integrations you just need to activate the services within your Stripe account.

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Activating Google Pay

From within your Stripe account select 'settings' from the top right and then'payment methods' from the left hand side (or click here).

Scroll down to the 'wallets' section and check whether Google Pay is enabled (it should show an 'on' indicator). If its not current on, click the section to enable it.

Once this setting is activated, setup of Google Pay is complete. Once activated, the Google Pay button will appear above the card form on your website's checkout, after the customer selects to pay with Stripe.

The design and appearance of this button is controlled by Stripe and cannot be changed by ShopWired.

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Activating Apple Pay

From within your Stripe account select 'settings' from the top right and then'payment methods' from the left hand side (or click here).

Scroll down to the 'wallets' section and check whether Apple Pay is enabled (it should show an 'on' indicator). If its not current on, click the section to enable it.

Once Apple Pay is enabled within your Stripe account, return to your ShopWired account and, if you haven't already, add your custom domain and then generate an SSL certificate.

Once you have an SSL certificate, select Checkout > Payment Gateway from the menu.

At the bottom of the page in the 'Apple Pay' section (which only appears if you have enabled Stripe within your account, have a custom domain and have generated an SSL certifcate), select verify domain:

Once your domain has been verified, setup of Apple Pay is complete. The Apple Pay button will then appear above the card form on your website's checkout, after the customer selects to pay with Stripe.

The design and appearance of this button is controlled by Stripe and cannot be changed by ShopWired.