Difference between revisions of "Stripe"

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[[Category:Payment_Collection]]
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[[Category:Apps]]
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[[Category:Apps_Plugins_and_Extentions]]
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[[Category:Payments]]
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  ''This page is about the menu SETTINGS->PROPERTIES->PAYMENT COLLECTION->STRIPE''
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[[Category:Payment_Gateways]]
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<div class="heading">Stripe</div>
 +
  This page is about the menu {{#fas:cog}} (SETTINGS) > PAYMENTS > PAYMENT GATEWAYS > STRIPE
 
__TOC__
 
__TOC__
 
== Setup ==
 
== Setup ==
 
To use this payment option you will need an account with the payment provider.  
 
To use this payment option you will need an account with the payment provider.  
  
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[https://stripe.com Register here for a Stripe account. ]
+
To connect your Stripe Account click on the "Connect to Stripe" button, you will be prompted to log into Stripe and accept the connection for Stripe Payment Processing.
  
−
To connect your Stripe Account click on the "Connect to Stripe" button.  
+
If you do not already have a Stripe account, click on the "Connect to Stripe" button and follow the on screen instructions to create one.
  
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If you are using the control panel under your own domain you will not see this button.
+
Stripe will display the booking reference in a data field called "data-description".
  
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Alternatively enter the "Live Secret Key" and the "Live Publishable Key"  you can find this information on your Stripe Dashboard, click on your account name (Top Right Corner) and than Account Settings > Api Keys.
 
  
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Stripe will display the booking reference in a data field called "data-description".
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<span style="color:#fe746c;“ >{{#fas:exclamation-triangle}}  </span> To use STRIPE to collect Channel payments ONLY and not show on your Beds24 Booking page, then use Enable = 'Internal Only'
  
 +
== Functionality ==
 
=== Send credit card details to Stripe ===  
 
=== Send credit card details to Stripe ===  
 
If you set "Save all cards to Stripe" = Yes all credit cards  including cards supplied by all channels will be sent directly to Stripe and not stored at Beds24.
 
If you set "Save all cards to Stripe" = Yes all credit cards  including cards supplied by all channels will be sent directly to Stripe and not stored at Beds24.
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The card will be saved as a new customer in Stripe with the booking number as a reference. Once the new customer is created in Stripe the card can be charged.  
 
The card will be saved as a new customer in Stripe with the booking number as a reference. Once the new customer is created in Stripe the card can be charged.  
  
−
Stripe will normally only accept valid cards. If Stripe reject the card, it's details will still be visible at Beds24.
+
Stripe will only accept valid cards. If Stripe reject the card, it's details will still be visible at Beds24.
 +
 
 +
You can choose to automatically report invalid cards to Stripe. The setting is available in SETTINGS->CHANNEL MANAGER.
 +
 
 +
Info Codes in the "Info" tab of the booking show you which action was performed.
 +
 
 +
{| class="wikitable"
 +
! scope="col"| Code
 +
! scope="col"| Use
 +
|-
 +
 
 +
|CARDTOSTRIPE
 +
| card details were sent to Stripe
 +
|-
 +
 
 +
|STRIPEPAYMENT
 +
| payment imported from Stripe
 +
|-
 +
 
 +
|STRIPEFAIL
 +
| card could not sent to Stripe
 +
|-
 +
 
 +
|CARDEXPIRES
 +
| added when the card expires before check-in
 +
|-
 +
 
 +
 
 +
 
 +
|}
 +
 
 +
=== Collect deposit for direct bookings at time of the booking ===
 +
Use this [[:Category:Payments#Collect_Deposits_for_Web_Site_Bookings|instruction]] to set up deposit collection from your booking page.
 +
 
 +
=== Send payment request ===
 +
Use this [[:Category:Payments#Payment_Request|instruction]] to create payment requests.
 +
=== Automatic payment collection ===
 +
Payments for bookings with deposit collection on the Beds24 booking page will be automatically collected.
  
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=== Collect payment ===
+
How to automatically collect pending payments from other sources is explained [[:Category:Payments#Create_and_manage_pending_payments|here]]. Please note that this option is only available for customers who connect via Stripe Connect. If you connected your Stripe account via keys please remove them and connect via the "Connect  to Stripe" button.
−
Payments for bookings with deposit collection on the Beds24 booking page will be automatically collected.  
 
  
 +
=== Collect payment manually ===
 
[[Image:stripe1.png|600px|link=]]
 
[[Image:stripe1.png|600px|link=]]
 
[[Media:stripe1.png|view large]]
 
[[Media:stripe1.png|view large]]
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You can choose if the card is  
 
You can choose if the card is  
 
*immediately charged (Capture=Yes)  
 
*immediately charged (Capture=Yes)  
−
*if you want to make sure that the amount is available (Capture=No) .
+
*if you want to make sure that the amount is available for later capture (Capture=No) .
 +
 
 +
=== Auto Charge Virtual Cards from OTAs ===
 +
Some channels send virtual cards which are often only valid for a certain period. Virtual cards can be charged automatically when they become valid. This is how you activate this option:
  
−
===Additional charges and charges on cards submitted from OTAs ===
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*Go to SETTINGS->CHANNEL MANAGER and set "Channel Collect Invoice" = Charges and Pending Payments
−
Further charges or charges on cards transmitted from OTAs can be made from within the booking or in Stripe. Automatic charging is not possible. You can set up an Auto Action (SETTINGS -> GUESTMANAGEMENT->AUTO ACTIONS) to flag these bookings so you can find them easily. You can set up a customer report for these bookings (REPORTS-> CUSTOM  REPORTS) which you show on the dashboard.
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*Go to the channel settings (for example SETTINGS->CHANNEL MANAGER->BOOKING.COM) and set "Virtual Cards" = Yes
  
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=== Virtual Cards ===
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Please note that his option is only available for customers who connect via Stripe Connect. If you connected your Stripe account via keys please remove them and connect via the "Connect  to Stripe" button.
−
Virtual cards work the same way as "real" cards. Often virtual cards are only valid for a certain period. For details please ask the channel which provides the card.  
 
  
 
====Error when charging Booking.com and Expedia Virtual Cards  ====  
 
====Error when charging Booking.com and Expedia Virtual Cards  ====  
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*'''Merchant Code''': The merchant code reflects your type of business (hotel, restaurant, grocery shop etc.). You can only charge a virtual card for a booking if you merchant code category (MCC) is relating to accommodation – 7011. Contact Stripe support and ask them to let your MCC code to reflect 7011.
 
*'''Merchant Code''': The merchant code reflects your type of business (hotel, restaurant, grocery shop etc.). You can only charge a virtual card for a booking if you merchant code category (MCC) is relating to accommodation – 7011. Contact Stripe support and ask them to let your MCC code to reflect 7011.
  
−
*'''Missing CVC''': Booking.com and Expedia do not always send a CVC virtual cards. Ask the channel to povide a CVC for the virtual card and manuelly reenter it. For Expedia virtual cards you can try to add the generic CVC codes:
+
*'''Missing CVC''': Booking.com and Expedia do not always send a CVC for virtual cards. Ask the channel to povide a CVC for the virtual card and manually reenter it. For Expedia virtual cards you can try to add the generic CVC codes:
 
**Visa/Mastercard: 469
 
**Visa/Mastercard: 469
 
**American Express: 2469
 
**American Express: 2469
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*'''Incorrect amount''': Double-check you charge the exact amount sent by the channel from the booking.
 
*'''Incorrect amount''': Double-check you charge the exact amount sent by the channel from the booking.
  
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=== Refund of Payments in Stripe ===  
+
===Strong Customer Authentication (SCA)  ===
 +
If you enable 'Strong Customer Authentication' in Beds24 in SETTINGS->PAYMENTS->PAYMENT COLLECTION->STRIPE it enables 3DS2 authentication for Stripe booking page payments and payment requests sent to guests.
 +
 
 +
The 3DS2 authentication is handled by Stripe and we believe that once completed it will help shift fraud liability from the merchant to the card holders bank.
 +
 
 +
https://stripe.com/en-en/payments/strong-customer-authentication
 +
 
 +
It will have no effect on off session cards (card not present) like those sent from OTA's.
 +
 
 +
If you require 3DS2 authentication you should consider sending a 3DS2 enabled payment request to guests after they book and perhaps not even bother collecting a card at booking time via the OTA.
 +
 
 +
Note: Stripe will not ask for the guests address when SCA is enabled.
 +
 
 +
== Refund of Payments in Stripe ==
 
Payments can be manually refunded from within the Stripe account. You will also need to enter them manually into the booking.
 
Payments can be manually refunded from within the Stripe account. You will also need to enter them manually into the booking.
  
 +
== Stripe Test Mode ==
 +
To connect to Stripe in testing mode, you can use your Stripe test publishable key and test secret key.
 +
 +
Pending payments will not work with the Stripe ApiKey connection method (i.e. test mode).
 +
 +
<span style=color:#fe746c;“ >{{#fas:exclamation-triangle}}  </span> '''You must be disconnected from Stripe to begin.'''
 +
 +
Open the Stripe menu at SETTINGS ,>  PAYMENTS  -> PAYMENT GATEWAYS  -> STRIPE
 +
 +
Add the following to the end of the URL '''&showkeys'''
 +
 +
So the URL in the browser looks something like this:
 +
 +
https://beds24.com/control2.php?pagetype=propertydepositstripe&showkeys
 +
 +
Press the Enter key.
 +
 +
You will now have access to two additional settings where your Test Keys can be saved.
 +
 +
When you are finished testing, delete the two test keys and connect in live mode with the "Connect to Stripe" button.
 +
 +
<span style="color:#fe746c;“ >{{#fas:exclamation-triangle}}  </span> Do not use API keys to connect in live mode, Stripe considers this insecure and will limit functionality.
 +
 +
== Troubleshooting and Issues ==
 +
  '''Payment request does not show the Stripe payment button '''
 +
If Strong Customer Authentication is activated payment requests will not work if the "Balance Due" in the booking is zero.
  
−
=== Troubleshooting and Issues ===
+
  '''Pending payment did not trigger '''
 +
Pending payments will not work with the Stripe ApiKey connection method (i.e. test mode).
  
 +
  '''Stripe payment form does not show"
 
  It has been reported that Browser IE 11 does not show the Stripe payment form when the booking page (and Stripe form) is in an iFrame unless the following Meta tag is included on the parent page.
 
  It has been reported that Browser IE 11 does not show the Stripe payment form when the booking page (and Stripe form) is in an iFrame unless the following Meta tag is included on the parent page.
 
  <meta http-equiv="x-ua-compatible" content="IE=edge">
 
  <meta http-equiv="x-ua-compatible" content="IE=edge">

Revision as of 12:40, 8 July 2020

Stripe
This page is about the menu {{#fas:cog}} (SETTINGS) > PAYMENTS > PAYMENT GATEWAYS > STRIPE

Setup

To use this payment option you will need an account with the payment provider.

To connect your Stripe Account click on the "Connect to Stripe" button, you will be prompted to log into Stripe and accept the connection for Stripe Payment Processing.

If you do not already have a Stripe account, click on the "Connect to Stripe" button and follow the on screen instructions to create one.

Stripe will display the booking reference in a data field called "data-description".


{{#fas:exclamation-triangle}} To use STRIPE to collect Channel payments ONLY and not show on your Beds24 Booking page, then use Enable = 'Internal Only'

Functionality

Send credit card details to Stripe

If you set "Save all cards to Stripe" = Yes all credit cards including cards supplied by all channels will be sent directly to Stripe and not stored at Beds24.

Credit card details can also be sent manually to Stripe.

600px view large

The card will be saved as a new customer in Stripe with the booking number as a reference. Once the new customer is created in Stripe the card can be charged.

Stripe will only accept valid cards. If Stripe reject the card, it's details will still be visible at Beds24.

You can choose to automatically report invalid cards to Stripe. The setting is available in SETTINGS->CHANNEL MANAGER.

Info Codes in the "Info" tab of the booking show you which action was performed.

Code Use
CARDTOSTRIPE card details were sent to Stripe
STRIPEPAYMENT payment imported from Stripe
STRIPEFAIL card could not sent to Stripe
CARDEXPIRES added when the card expires before check-in

Collect deposit for direct bookings at time of the booking

Use this instruction to set up deposit collection from your booking page.

Send payment request

Use this instruction to create payment requests.

Automatic payment collection

Payments for bookings with deposit collection on the Beds24 booking page will be automatically collected.

How to automatically collect pending payments from other sources is explained here. Please note that this option is only available for customers who connect via Stripe Connect. If you connected your Stripe account via keys please remove them and connect via the "Connect to Stripe" button.

Collect payment manually

600px view large

You will see the paid amount in the "Charges and Payments" and "Invoice" tabs of the booking.

You can choose if the card is

  • immediately charged (Capture=Yes)
  • if you want to make sure that the amount is available for later capture (Capture=No) .

Auto Charge Virtual Cards from OTAs

Some channels send virtual cards which are often only valid for a certain period. Virtual cards can be charged automatically when they become valid. This is how you activate this option:

  • Go to SETTINGS->CHANNEL MANAGER and set "Channel Collect Invoice" = Charges and Pending Payments
  • Go to the channel settings (for example SETTINGS->CHANNEL MANAGER->BOOKING.COM) and set "Virtual Cards" = Yes

Please note that his option is only available for customers who connect via Stripe Connect. If you connected your Stripe account via keys please remove them and connect via the "Connect to Stripe" button.

Error when charging Booking.com and Expedia Virtual Cards

When charging Booking.com and Expedia Virtual Cards with Stripe you may receive this this error: An error occured while processing this card

Possible reasons:

  • Merchant Code: The merchant code reflects your type of business (hotel, restaurant, grocery shop etc.). You can only charge a virtual card for a booking if you merchant code category (MCC) is relating to accommodation – 7011. Contact Stripe support and ask them to let your MCC code to reflect 7011.
  • Missing CVC: Booking.com and Expedia do not always send a CVC for virtual cards. Ask the channel to povide a CVC for the virtual card and manually reenter it. For Expedia virtual cards you can try to add the generic CVC codes:
    • Visa/Mastercard: 469
    • American Express: 2469
  • Incorrect amount: Double-check you charge the exact amount sent by the channel from the booking.

Strong Customer Authentication (SCA)

If you enable 'Strong Customer Authentication' in Beds24 in SETTINGS->PAYMENTS->PAYMENT COLLECTION->STRIPE it enables 3DS2 authentication for Stripe booking page payments and payment requests sent to guests.

The 3DS2 authentication is handled by Stripe and we believe that once completed it will help shift fraud liability from the merchant to the card holders bank.

https://stripe.com/en-en/payments/strong-customer-authentication

It will have no effect on off session cards (card not present) like those sent from OTA's.

If you require 3DS2 authentication you should consider sending a 3DS2 enabled payment request to guests after they book and perhaps not even bother collecting a card at booking time via the OTA. 

Note: Stripe will not ask for the guests address when SCA is enabled.

Refund of Payments in Stripe

Payments can be manually refunded from within the Stripe account. You will also need to enter them manually into the booking.

Stripe Test Mode

To connect to Stripe in testing mode, you can use your Stripe test publishable key and test secret key.

Pending payments will not work with the Stripe ApiKey connection method (i.e. test mode).

{{#fas:exclamation-triangle}} You must be disconnected from Stripe to begin.

Open the Stripe menu at SETTINGS ,> PAYMENTS -> PAYMENT GATEWAYS -> STRIPE

Add the following to the end of the URL &showkeys

So the URL in the browser looks something like this:

https://beds24.com/control2.php?pagetype=propertydepositstripe&showkeys

Press the Enter key.

You will now have access to two additional settings where your Test Keys can be saved.

When you are finished testing, delete the two test keys and connect in live mode with the "Connect to Stripe" button.

{{#fas:exclamation-triangle}} Do not use API keys to connect in live mode, Stripe considers this insecure and will limit functionality.

Troubleshooting and Issues

 Payment request does not show the Stripe payment button 
If Strong Customer Authentication is activated payment requests will not work if the "Balance Due" in the booking is zero.

 Pending payment did not trigger 
Pending payments will not work with the Stripe ApiKey connection method (i.e. test mode).

 Stripe payment form does not show"
It has been reported that Browser IE 11 does not show the Stripe payment form when the booking page (and Stripe form) is in an iFrame unless the following Meta tag is included on the parent page.
<meta http-equiv="x-ua-compatible" content="IE=edge">

Accept Cards without CVC
Log into your Stripe account and go to "Radar". You should be able to process charges without the CVC once you turn off that requirement in Radar.
Retrieved from "http://co-reception.com/wiki/index.php?title=Stripe&oldid=15985"