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The payment provider is chosen based on many various criteria. Some of these are the service availability within the country the place your bank account is, costs of a transaction, monthly charges, the costs of integration, and whether it resolves sales tax issues or permits for integration with some other well-known payment solutions. Many of those questions must be answered by You the client. Stripe is our favorred selection as it had glorious API capabilities. This article will use Stripe as its payment processor of choice.

Best Practices for payment providers

Retry if transaction did not succeeded

The transaction might fail not only as a consequence of technical reasons however typically insufficient funds is likely to be the reason. It is best to retry processing the transaction between an hour to couple of days later.

Know when your CC will expire

A few of the card details will expire or their data will not be valid for varied reasons. If you would not have legitimate CC data charging the client will not be possible. The foremost card schemes provide a service that permits you to check if there are any updates pending for the shopper data that you store. A few of the online payment options will even replace card data for you. Stripe will do this for the most importantity of MasterCard, Discover, and Visa cards. Not only CC.

Be aware that in some parts of the world individuals are not willing to pay with their Credit Card

One of the best example of this is China when Alipay is the primary payment source. It is worth noting that not all shoppers are comfortable giving away their card particulars so using a well-known payment methodology helps to extend the completion rate of potential transactions. Stripe also helps Alipay for China and for Europe Giropay, iDEAL

We might like to have PayPal

Typically clients just need to use PayPal as they are familiar with the brand. Don’t be cussed – Stripe will help to maximise your profit. Stripe and Paypal are direct competitors there isn’t a integration between them.

Best practices while utilizing the Stripe payment process

PCI compliance with Stripe

Most customers become PCI compliant by filling within the Self-Assessment Questionnaire (SAQ) provided by the PCI Security Standards Council. The type of SAQ is determined by the way you accumulate card data. The simplest methodology of PCI validation is SAQ A. The fastest way to grow to be PCI compliant with Stripe is to make sure you qualify for a prefilled SEQ A. If so Stripe will fill the SEQ A for you and will make it available so that you can download to your account’s compliance settings after the primary 20 or so transactions. The way to achieve this is as follows:

– Use the Embedded type called Checkout, Stripe.js and Parts (it provides better format customization then Checkout). You should utilize react-stripe-elements which makes use of Stripe.js API or Stripe mobile SDK libraries. If you’re using react-native go with tipsi-stripe. ipsi-stripe bindings should not formally supported by Stripe so support will not officially let you know that they qualify for prefilled SEQ-A compliance – but they do.

– If you are using web serve your payments pages ought to use HTTPS.

In all those cases data is securely transmitted directly to Stripe without it passing through your servers. When you select the fastest way you will not have to do anything more. It is as simple as this till you reach 6 million transactions per year then you definitely will need to fill a Report on Compliance to validate your PCI compliance annually.

Prepare for technical failure – Idempotency key

In case you are utilizing API to take payments you need to put together for a technical failure as all networks are unreliable. If failure happens wit shouldn’t be always doable to know if a charge was made or not. In the case of a network failure you need to retry the transaction. The Idempotency key is a prevention mechanism towards charging a customer twice. If for some reason you submitted the payment twice – which could happen as a result of retrying operations after a failure. In Stripes node lib you just add it to options parameter while charging. Every Idempotency key will trip after 24 hours so after that point should you make a payment with the identical Idempotency key you will cost the client.

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