Stripe is one of the most popular online payment processing platforms for e-commerce. It helps merchants to accept πŸ’³ credit and debit card payments (Visa, Mastercard, American Express, Discover and Diners, China UnionPay, JCB, Cartes Bancaires, Interac).

It is also possible to activate such third-party services as iDEAL, Sofort, SEPA Direct Debit, Afterpay and others for your Checkify checkout page via Stripe. For more info about this payment provider please visit:
With Stripe and Checkify you can also offer your buyers express checkout option called Link.

In this article:

  1. Pre-connection checklist

  2. How Stripe will look and work on your checkout

    2.1 Direct transfer of payment data

    2.2 3D Secure payment protection

    2.3 Alternative payment methods (Klarna, Afterpay, iDEAL, SEPA etc.)

    2.4 Redirect and non-redirect payment methods

    2.5 Collection of additional information

    2.6 "Incomplete" payments

  3. Setting up Stripe on Checkify's checkout

  4. Resolving common issues

1. Pre-connection checklist

To enable Stripe as a payment gateway on your store, you must have an active Stripe account. If you do not have one, register it here.

Please note that Stripe is available only to businesses in certain countries. For a list of supported countries, see Stripe's availability by country or region.

Important: If you activated a custom domain then we recommend to reconnect Stripe: press "Disconnect" in section Payment Methods > Stripe, of the Checkify admin and then add it again. This is an important action for refreshing the domain for payments, especially for such a method as ApplePay.

Kindly note that while Shopify Payments also uses Stripe, Checkify does not support direct integration with Shopify Payments.

2. How Stripe will look and work on your checkout

2.1 Direct transfer of payment data (default method - Card)

Our integration allows secure transfer of the customer's payment data directly to Stripe while using a unique design of the payment info section. The Credit Card data fields are loaded directly from Stripe’s servers. It means that Checkify does not handle or has any access to your customers' card data.

A close-up of active Stripe (Card form) on Checkify's checkout

2.2 3D Secure payment protection

Stripe leverages its own 3DS Engine by default, which means that all payments are fraud-protected and compliant with the European Directives. The 3D Secure screen is shown only when requested by the bank of a customer.

2.3 Other payment methods (optional methods)

You can activate other payment methods available with Stripe and get them displayed on your single-page checkout by Checkify for the benefit of both your business and your customers.

The list of methods is generated depending on the location of your business and the currency of your Stripe account. You can check what exactly is available for your store here >

ATTENTION: display of alternative (optional) payment methods activated for Checkify in your Stripe is controlled by its AI. It takes into consideration a number of factors, including location, total value of the order, other digital signals it can collect. Therefore, it is not possible for us or for a merchant to control who sees some of the methods and when.

Important: in order to ensure correct operation of the payment methods, presence of the Email field is a must. Please do not hide, remove or deactivate it when creating a custom shipping form. It is also recommended to keep the First Name and the Last Name fields.

Once you activate more methods in your Stripe dashboard, apart from Cards, it will be possible to display them on the Checkify customizable single-page checkout. Just set the trigger to the active state in Stripe's settings.

Refer to Payment Methods section of your Checkify admin:

Important: Using a BNPL method like Klarna through Stripe may put your Stripe account at an increased risk, because average dispute rate in Klarna is higher than 1% dispute rate for card processing in Stripe. While Klarna understands this, Stripe counts Klarna disputes toward Stripe's overall disputes which may decrease the good standing of your account. However, if you represent a sustainable business with quality product and excellent customer care and support, this should not be the case.

So, if your Stripe account allows you to use other payment methods, apart from Cards, and if you have successfully activated this functionality in the Checkify admin for your customizable checkout, your buyers will see an enhanced payment form, with various methods available. You can do small customization in this article. The example of such a form is given below:

Even if you turn on all the additional payment methods in your Stripe's dashboard, Stripe still automatically determines their availability for your buyers and will display only those available for the specific buyer. Their determination algorithm takes a number of factors into account, including but not limited to your customer's location, the currency of the store, total value of the cart on the checkout stage, device (desktop or smartphone).

Important: If your Stripe account is linked, for example, to a European business, and the basic currency of your store is USD, a US-based buyer will see only one global payment method: Cards. See the screenshot below:

Learn how to understand and select the right payment methods for your business to reach a broader audience from this guide by Stripe.

Link - Stripe's one-click checkout

Link is Stripe's one-click checkout experience. It lets your customers store their payment details so they can pay in one click across hundreds of thousands of websites. Your conversion rates could increase by +7% for returning Link customers who are logged-in, since they will have their payment details filled in automatically.

You can read Stripe's documentation to get more details of this feature.

You can enable Link together with other instant checkout options:

And you will need to enable Link via Payment Request buttons in your Stripe admin.

We cannot guarantee its proper operation at the moment such popular payment methods in LatAm as Boleto, Konbini and OXXO, because they have a unique flow. However, it is still worth testing and trying. Contact [email protected] if you have questions or observations regarding these methods.

2.4 Redirect and non-redirect payment methods

Alternative payment methods available on Stripe are working either as a direct payment, when a buyer does not leave the checkout page and is redirected to the "Thank you" page upon the successful completion, or as a redirect. In the latter case, the payment will be completed on the special page of the selected method, where a buyer lands (redirected) from the Checkify checkout. Then, depending on the status, the buyer will either see a "Success" message and is subsequently redirected to the Checkify "Thank you" page, or will get a "Fail" message and remains on the checkout page.

The statuses of such payment attempts are accompanied with messages:

Failed status after the redirect to Checkify's checkout

Success status after the redirect to Checkify's checkout

The texts of the messages above can be edited, customized and translated (manually) in the Localizaion section of the Checkify admin.

Some payment methods initially perform a pre-authorization of the payment sum and then, upon a successful charge on the bank's side, Stripe changes the status of the payment to either Failed or Success. In such cases payment processing may take from couple of minutes to seven days. It is being managed by Stripe and Checkify has no influence on it and has no ability to speed it up. You can track the status of such orders in your Shopify admin. It is not recommended to ship an order to your customer when "Payment pending" status is seen. When the payment status changes to "Paid", feel free to dispatch the order:

Once the processing by Stripe is over, the status on Shopify changes to either Paid or Void (if Stripe returned a Failed status):

Paid status in Shopify order

Void status in Shopify order

2.5 Collection of additional information

Some payment methods, for example Afterpay, require collection of additional information such as full address, first and last name, etc.

You can let your buyer complete these fields right in the payment form of the selected method, or, if your shipping form allows, collect and then share this information at the stage of entering the data to the appropriate fields of Checkify's shipping form. In order to activate such a shortcut and save the time of your customers, visit Customization section and change the status of the trigger as shown below:

If the feature is active, the Afterpay payment form will have a compact look. See below:

2.6 "Incomplete" payments

When the alternative payment methods are enabled you will often see "Incomplete" payments in your Stripe account.

Don't worry, this is not a problematic transaction that will prevent you from getting your money. An "incomplete" transaction precisely means that no transaction has been made (= no attempt to pay).

How it works?

Whenever a payment page from your platform is displayed to a user, Stripe puts aside an invoice number for that potential transaction. This creates a "payment intent".

Stripe categorizes a transaction as "incomplete" when a "payment intent" was created, but your user (buyer) never completed the payment.

In other words, an incomplete transaction means the user went to the payment page, but never took action. When it comes to an incomplete transaction, the sale was simply not made.

3. Setting up Stripe on Checkify's checkout

3.1 Find live API keys in your Stripe Account

To connect your Stripe account to Checkify, you just need to copy Stripe API Keys to Checkify's admin panel.

To find API keys:

  1. Sign in to your Stripe account.

  2. Click on "Developers" (usually in the top right corner of your screen).

  3. Click on "API Keys" (usually in the column to the left).

Important: Make sure you are viewing your live Stripe API keys. The selector "View test data" (also can be called "Test mode") must be deactivated.

Viewing live API keys

3.2 Add Stripe as a new Payment Method on Checkify

  1. Make sure you are logged in to your Checkify account.

  2. Go to "Payment Methods" in the menu on the left.

  3. Find "Stripe" and click "Connect +".

3.3 Copy Stripe API Keys to Checkify

  1. Copy your Publishable Key from Stripe and paste it to the corresponding field in Checkify's admin panel.

  2. Copy your Secret Key from Stripe (click on it to reveal the full key) and paste it to the corresponding field in Checkify's admin panel.

  3. Click the "Save changes" button in the bottom right corner of the screen.

3.4 Additional options

While adding Stripe as a payment method on Checkify, you are also able to configure a couple of additional options:

- Target countries

You can select specific countries or regions for which this payment method will be displayed.

- Instant checkout

You can enable Apple Pay / Google Pay / Microsoft Pay for your Checkify checkout. It is an excellent solution for those who shop on their mobile devices.

4. Resolving common issues

πŸ™€ I do not have a company. Can I still open the Stripe account?

In general, Stripe allows individuals from a supported country to accept payments without a legal entity. If you are having trouble opening an account, please contact Stripe support.

πŸ™€ Stripe is not available in my country. How to get an account?

In this case, your best option is to find another credit card processor that operates in your country. You can also check thematic forums on the web for ideas on how to get a Stripe account from an unsupported region or state.

πŸ™€ What are Stripe's fees for payment processing?

For up-to-date information on this question, please visit the Stripe official website. While Checkify allows saving on eComm platform's fees, it does not and cannot reduce the Stripe fees payable by a business.

πŸ™€ I get the "Public/Private key is invalid" error when adding Stripe API keys to Checkify.

Please make sure you copied and pasted the correct live (not test) keys to the corresponding fields. Look at the prefixes: pk_ for publishable, sk_ for the secret key.

πŸ™€ My Stripe account got suspended! What to do?

Contact Stripe support and try to resolve this issue with them - unfortunately, we cannot help you with this.

πŸ™€ How to deal with a failing webhook, can I get banned?

Sometimes Stripe may send Checkify users emails with a notification on the failing webhook. Here's what to do about it. It is not a severe issue and is not a violation that may inevitably lead to ban on Stripe.

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