Foire aux questions

Réponses à tout ce que vous vous posez sur l'application de paiement et l'intégration avec Stripe.

Le paiement est-il une entreprise Stripe?

Non, nous n'appartenons pas à Stripe. Le paiement a été créé en janvier 2015 pour combler un besoin pour nous-mêmes, pour vendre des articles lors de notre vide-grenier. Nous avons intégré l'API Stripe pour vous permettre de connecter votre compte à la Application de paiement et collecte des frais.

Avez-vous des lecteurs de cartes?

Nous offrons actuellement le BBPOS Chipper 2X BT aux États-Unis, un lecteur compatible Bluetooth, PCI pré-certifié avec Stripe. De plus, nous offrons le lecteur de carte Verifone P400 de comptoir au Canada. Vous pouvez comparer et commander des lecteurs de cartes à utiliser avec l'application ici: Comparaison des lecteurs de cartes

Politique de retour du lecteur de carte

Sauf dans des circonstances particulières, les lecteurs de cartes ne peuvent généralement pas être retournés et les remboursements ne sont pas traités. C'est à vous, le client, de vous assurer que vous avez besoin du lecteur et que l'application prend en charge toutes les fonctionnalités que vous nécessitent l'utilisation d'un lecteur de carte.

Si votre lecteur de carte peut être retourné, des frais de restockage de 20% seront appliqués à votre remboursement pour couvrir nos frais d'expédition internes, emballage et gestion des stocks. Vous êtes également responsable des frais de retour de l'article. Ceci n'est pas négociable.

Comment fonctionnent les frais de 1%?

Le paiement facture des frais supplémentaires de 1% pour toute charge créée dans l'application, qu'il s'agisse d'une charge manuelle, d'une charge avec un lecteur de carte ou d'un abonnement.

Les frais que vous payez avec Stripe peuvent varier en fonction de votre mécanisme de collecte, du pays, de la devise ou de la carte débitée: Tarifs Stripe . De manière générale aux États-Unis, vos frais Stripe sont de 2,9% + 30 ¢ par transaction. Si vous utilisez le Stripe Terminal (lecteur de carte), ces frais sont réduits à 2,7% + 5 ¢ par transaction.

Y a-t-il des frais mensuels ou des limites?

Absolument pas. Vous pouvez facturer autant que vous le souhaitez quand vous le souhaitez. Nous comprenons que votre volume peut changer d'un mois à l'autre, c'est pourquoi il n'est pas logique de facturer mensuellement minimums ou frais d'abonnement.

Qu'en est-il des prix à but non lucratif?

Stripe peut proposer des des tarifs spéciaux pour les sociétés au statut 501 (c) (3). Étant donné que Payment est une application tierce, nous ne pouvons pas reconnaître automatiquement ces types d'organisations et ne sommes donc pas en mesure d'annuler automatiquement nos frais pour le moment.

Les sociétés à but non lucratif peuvent également opter pour un taux standard de carte à but non lucratif de 2,2% + 30 ¢ par transaction pour les transactions Visa et Mastercard et de 3,5% pour AMEX lors de l'utilisation du lecteur de carte Stripe Terminal.

Quand vais-je recevoir mon argent?

Comme toujours, vous pouvez vérifier l'état de vos transferts à tout moment en visitant: Stripe Balance & Payouts

Le moment des virements Stripe dépend de l'état de votre compte, de la date à laquelle vous l'avez créé et du nombre de frais que vous avez collectés. Le premier virement peut prendre jusqu'à 14 jours, les virements suivants se produisant le sur une base continue de 2 jours.

Pour en savoir plus sur les transferts, cliquez ici: Documentation Stripe Transfers / Payouts .

Quelles devises sont prises en charge?

Le paiement peut prendre en charge toutes les devises actuellement acceptées par Stripe. En outre, vous pouvez également modifier la devise dans le cas où vous voyagez et devez facturer dans une autre devise que votre devise par défaut. Vous pouvez afficher le liste complète des devises prises en charge . Le Stripe Terminal (lecteur de carte) ne peut être utilisé qu'avec USD.

Le paiement stocke-t-il mes informations?

Non, tout est stocké chez Stripe. La seule information que nous stockons sur votre appareil est vos clés API pour vous connecter à Stripe. Si vous supprimez l'application, toutes ces clés sont supprimées.

Qui puis-je contacter pour obtenir de l'aide?

En cas de problème avec votre compte Stripe, vous pouvez envoyer un e-mail à Stripe en utilisant ce formulaire . En cas de problème avec l'application (plantage, comportement inattendu, demandes de fonctionnalités, etc.), vous pouvez envoyer un e-mail à l'équipe Payment for Stripe via: [email protected]

Avec quelles vitrines de commerce électronique le paiement fonctionne-t-il?

Toute vitrine qui utilise Stripe pour les paiements peut fonctionner de manière transparente avec Payment. Cela inclut certaines des plus grandes plateformes telles que Squarespace, Shopify, Bigcommerce, BigCartel, Weebly et WooCommerce. Votre inventaire de ces magasins n'est PAS lié à l'application, vous ne recevrez que des paiements sur les mêmes comptes Stripe.

L'application est-elle uniquement destinée aux clients américains?

Stripe accepte les paiements partout dans le monde et prend en charge tous les pays pris en charge par Stripe. Voir toutes les devises prises en charge par Stripe et inscrivez-vous à être averti lorsque Stripe est disponible dans votre pays. Stripe Terminal (lecteurs de cartes) n'est disponible que pour les comptes basés aux États-Unis.

Et si je ne souhaite plus utiliser l'application?

Vous pouvez simplement supprimer l'application de votre appareil. Par précaution supplémentaire, vous pouvez également vous connecter à votre compte Stripe et annuler l'autorisation de l'application Payment for Stripe.

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Relatif au Blog

Tracking down card declines with Stripe

Credit card decline reasons are not always obvious. Here's a quick guide with what to look for.

There are several reasons why a credit card can be declined using the Payment for Stripe app. The reasons are generally surfaced in the app after a charge with a descriptive label outlining the reasoning. There are two possible reasons why a credit card payment can fail:

  • Payments declined by the card issuer
  • Blocked payments (Stripe Radar, fraud, etc)
Payments declined by card issuers

Card issuers have automated systems that determine whether the charge should be authorized or not. The algorithms look at various signals instantaneously, from spending habits, account balance and credit card information, as well as location of the charge. Unfortunately, not all of the information that led to the decline is shared with Stripe, and subsequently to the Payment app. In rare cases, card issuers may also provide helpful explanations, but generally, card decline reasons can be hard to track down.

In some cases, the type of restrictions on the credit card can also cause certain declines. For example, using an FSA/HSA card to create a charge for a non-medical payment.

In addition, geographic location can also play a role in declined or failed payments. If credit cards are issued in a different country than your Stripe account, you may be at a higher risk of fraud, and thus risk a higher rate of failed payments.

Payments blocked by Stripe Radar

Every Stripe account comes with automated fraud verification for every single charge made on the Stripe network. The reason this is helpful is simple: Stripe processes billions of dollars in transactions every single day, scanning and identifying trends that give your Stripe account real time feedback on fraud across a variety of mediums. In addition, the Radar prevention tool can also be used to scale up and down your protection, ultimately putting you in control of how finicky your payment protection should be.

How can card declines be avoided?

One of the easiest ways is by using a PCI-compliant card reader, such as Stripe Terminal. Not only does using a card reader give you an abundance of new ways to collect payment methods like Apple Pay and Google Pay, but you'll also be able to accept chip-enabled cards; further preventing fraud. Although manually inputting card numbers is supported by the Payment app, they are still treated by payment gateways and issuers like an online purchase would be, as there is no evidence that the card was “present” at the time of the transaction.

In some cases, it may also be helpful to provide additional information with the charge. At the very least, including a billing zip or postal code to be validated with the credit card can help exponentially, but other information including name on the card and billing address can also be validated and checked against known fraudulent transactions. Lastly, providing a billing email address also allows Stripe Radar to check to see if that email address has been used across the Stripe network (globally) for other types of fraud.

What are the bank decline codes?
Decline Code Description
authentication_required The card was declined as the transaction requires authentication.
approve_with_id The payment cannot be authorized.
call_issuer The card has been declined for an unknown reason.
card_not_supported The card does not support this type of purchase.
card_velocity_exceeded The customer has exceeded the balance or credit limit available on their card.
currency_not_supported The card does not support the specified currency.
do_not_honor The card has been declined for an unknown reason.
do_not_try_again The card has been declined for an unknown reason.
duplicate_transaction A transaction with identical amount and credit card information was submitted very recently.
expired_card The card has expired.
fraudulent The payment has been declined as Stripe suspects it is fraudulent.
generic_decline The card has been declined for an unknown reason.
incorrect_number The card number is incorrect.
incorrect_cvc The CVC number is incorrect.
incorrect_pin The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
incorrect_zip The ZIP/postal code is incorrect.
insufficient_funds The card has insufficient funds to complete the purchase.
invalid_account The card, or account the card is connected to, is invalid.
invalid_amount The payment amount is invalid, or exceeds the amount that is allowed.
invalid_cvc The CVC number is incorrect.
invalid_expiry_year The expiration year invalid.
invalid_number The card number is incorrect.
invalid_pin The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
issuer_not_available The card issuer could not be reached, so the payment could not be authorized.
lost_card The payment has been declined because the card is reported lost.
merchant_blacklist The payment has been declined because it matches a value on the Stripe user's block list.
new_account_information_available The card, or account the card is connected to, is invalid.
no_action_taken The card has been declined for an unknown reason.
not_permitted The payment is not permitted.
offline_pin_required The card has been declined as it requires a PIN.
online_or_offline_pin_required The card has been declined as it requires a PIN.
pickup_card The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
pin_try_exceeded The allowable number of PIN tries has been exceeded.
processing_error An error occurred while processing the card.
reenter_transaction The payment could not be processed by the issuer for an unknown reason.
restricted_card The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
revocation_of_all_authorizations The card has been declined for an unknown reason.
revocation_of_authorization The card has been declined for an unknown reason.
security_violation The card has been declined for an unknown reason.
service_not_allowed The card has been declined for an unknown reason.
stolen_card The payment has been declined because the card is reported stolen.
stop_payment_order The card has been declined for an unknown reason.
testmode_decline A Stripe test card number was used.
transaction_not_allowed The card has been declined for an unknown reason.
try_again_later The card has been declined for an unknown reason.
withdrawal_count_limit_exceeded The customer has exceeded the balance or credit limit available on their card.

The list above is directly from Stripe. For a complete list, as well as suggested next steps, please visit: https://stripe.com/docs/declines/codes

The importance of PCI-compliant card readers with Stripe Terminal

Reduce fraud and look more professional with a pre-certified PCI-compliant card reader from Stripe Terminal.

What is PCI Compliance?

Payment Card Industry (PCI) compliance is an official policy, created by the major credit card companies and PCI Security Standards Council to ensure the overall security of credit card transactions. The guidelines refer to both technical and operational standards that all businesses must follow to protect consumer credit card data provided by cardholders.

Why is PCI Compliance Important?

PCI compliance helps you, as a merchant, as well as payment gateways, to avoid fraudulent activity and to reduce cardholder data breaches.

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Are you responsible as a merchant?

The short answer is no. Stripe assumes this risk on your behalf, as they are the ones that store all cardholder data.

  • Build and Maintain a Secure Network and Systems
  • Protect Cardholder Data
  • Maintain a Vulnerability Management Program
  • Implement Strong Access Control Measures
  • Regularly Monitor and Test Networks

In addition to the aforementioned benefits, there are also varying levels of PCI compliance based on the number of transactions processed yearly.

PCI DSS
Compliance Levels
Level 1 6M+ transactions per year
Level 2 1-6M transactions per year
Level 3 20K-1M transactions per year
Level 4 Less than 20K transactions per year
Is Stripe Terminal PCI Compliant?

The BBPOS Chipper 2X BT from Stripe Terminal is pre-certified with Stripe, meaning that there is nothing additional your business will have to do to become PCI compliant. Because the connection from Stripe Terminal only communicates with Stripe, you do not need to store any cardholder information on your own servers. Everything is stored securely at Stripe, with the brightest minds in the industry protecting the data.

Are the Payment for Stripe apps PCI compliant?

The Payment for Stripe apps are Verified Stripe Partners, which have already integrated with Stripe Terminal. In essence, this means that the Payment for Stripe apps, while using all of the proper tooling and software development kits from Stripe, are also pre-certified to be PCI compliant. The Payment for Stripe apps do not store any cardholder data, as all information is just passed along to Stripe using the highest security standards available.

In addition, when manually keying in cardholder information, the Payment for Stripe app has also completed a PCI-DSS Self Assessment (the most recent standard from May 2018) to the satisfaction of both Stripe and the major credit card companies. Since Payment for Stripe does not store any cardholder data, there is no risk of a data breach.

The only company you have to worry about having your cardholder's financial information is Stripe.

Learn more about the Stripe Terminal Card reader for the Payment app: Card Readers

The ins and outs of Stripe Account Verification

Don't let a lack of Stripe Account Verification disrupt your business and cash flow.

When creating a Stripe account, you, as the business owner or representative, will need to provide several layers of documentation before your account is enabled, which unlocks the ability to take payments and have payouts to your bank account.

Since the Payment app is a Stripe Verified Partner, and utilizes the Stripe Connect Platform for apps, extensions and integrations, you may be required to provide additional information before being able to use the Payment app.

The information that you may need to provide depends on several factors, including:

  • Capabilities required for the account
  • Base country of the account

Stripe will send you an email notification if your Stripe account requires further verification. In some countries, Stripe is required to collect, verify and maintain the identify information for individuals associated with a Stripe account. These requirements are imposed by financial partners and regulators, intended to promote transparency and prevent bad actors from criminal acts.

Lack of identity verification may result in your Stripe account being permanently closed.

Minimum Verification Requires

For the United States, verification attempts may take minutes (if automated) or hours to complete, if a manual review is required. If Stripe is unable to verify the information, your account may not be able to collect payments or make payouts to your bank account.

For companies, LLCs and partnerships looking to have card payments and transfer capability, the following items may be necessary:

  • Business type
  • Merchant category code
  • Business URL
  • Company name
  • Company address
  • Company phone
  • Company tax ID
  • Company rep
    • Name
    • Date of birth
    • Address
    • Tax information (last 4 of SSN)
    • Title
    • Email
    • Phone
  • Owners
    • Name
    • Email
Address Verification

For card payments to be enabled, a validated city, state and ZIP code for your company address is required. If the address cannot be verified before 30 days or $1,500 USD in payments, your card payments may be disabled. Below is a list of acceptable documentation to verify your business address:

  • Rental or lease agreement
  • Utility bills
  • Federal or state tax returns
  • Articles of Incorporation
  • Other government-issued business documents
Manual Verification

In some instances, Stripe may be unable to collect and verify the proper information to verify your Stripe account. In these scenarios, you may be asked to upload additional information like a government issued photo ID to verify manually.

Please note, the verification requirements may vary by country and/or region. You can see a list of additional requirements on Stripe's website.

How long does Stripe Account Verification typically take?

Reviews of your Stripe account can vary, but typically take up to 1 business day for the Stripe Compliance team to review and complete. To ensure expedition of processing your requests, make sure you upload all documents at one time, via your Stripe Dashboard. Incomplete documentation will certainly delay the process.

Where can I upload my verification documents?

Since the business documents you are uploading may be highly sensitive in nature, Stripe will only accept documents when uploaded through your Stripe Dashboard. This means that you should log in to your Stripe account, and follow the links below. Stripe will NOT accept documents submitted via email, including to [email protected]

Learn more about why your payments may be disabled: Blog: Stripe Account Payments Disabled