Stripe Payment Integration

Stripe Integration Overview

Stripe provides world-class payment infrastructure for internet businesses. Our platform integrates with Stripe to enable fiat on-ramps, allowing users to purchase cryptocurrency with credit cards and bank transfers.

Supported Payment Methods

Stripe enables multiple payment options:

Cards

• Visa, Mastercard, American Express
• Discover, Diners Club, JCB
• Regional card networks
• 3D Secure authentication

Bank Payments

• ACH transfers (United States)
• SEPA transfers (Europe)
• Wire transfers
• Local bank methods

Digital Wallets

• Apple Pay
• Google Pay
• Link by Stripe

Key Features

Global Coverage

Accept payments from users worldwide:

• 40+ supported countries
• 135+ currencies
• Local payment methods
• Multi-currency settlements

Secure Processing

Enterprise-grade security:

• PCI DSS Level 1 certified
• Built-in fraud detection
• 3D Secure for card authentication
• Tokenization for card storage

Developer-Friendly

Robust API and tools:

• RESTful API
• Webhooks for events
• Comprehensive documentation
• Test mode for development

Reporting and Analytics

Track your payment performance:

• Real-time dashboard
• Transaction reports
• Revenue analytics
• Dispute management

Integration Capabilities

Fiat Deposits

Enable users to fund accounts with fiat:

1. User selects fiat deposit
2. Enters amount and payment method
3. Stripe processes payment
4. Webhook confirms successful payment
5. Platform credits user balance
6. User can trade crypto

Crypto Purchases

Direct fiat-to-crypto buying:

1. User selects crypto to buy
2. Enters purchase amount
3. Pays via Stripe
4. Platform receives confirmation
5. Crypto credited to user wallet

Recurring Payments

Subscription-style funding:

• Automatic top-ups
• Scheduled purchases
• Saved payment methods
• Cancel anytime

Refunds and Disputes

Handle payment issues:

• Issue refunds when needed
• Respond to disputes
• Evidence submission
• Chargeback management

Webhook Events

Real-time payment notifications:

• payment_intent.succeeded - Payment completed
• payment_intent.payment_failed - Payment failed
• charge.refunded - Refund issued
• charge.dispute.created - Dispute opened

Compliance Considerations

Using Stripe for crypto requires:

Business Requirements

• Registered business entity
• Money transmitter license (where required)
• KYC/AML compliance program
• Clear terms of service

Stripe Requirements

• Application for crypto merchant category
• Documentation of compliance
• Ongoing reporting
• Volume limits may apply

Configuration

Setting up Stripe integration:

1. Create Stripe account for your business
2. Apply for crypto merchant approval
3. Complete Stripe verification
4. Obtain API keys (test and live)
5. Configure keys in admin panel
6. Set up webhook endpoint
7. Test payment flow
8. Go live after approval

Admin Controls

Manage Stripe through your dashboard:

• View payment history
• Issue refunds
• Handle disputes
• Configure payment limits
• Monitor webhook delivery

Fees

Stripe pricing (varies by region):

• Cards: ~2.9% + $0.30 per transaction
• ACH: 0.8% capped at $5
• International: Additional 1%
• Currency conversion: 1%

Volume discounts available for large processors.

Getting Started

Stripe integration enables fiat on-ramps:

1. Apply for Stripe account
2. Submit for crypto merchant review
3. Configure integration on approval
4. Test with test mode
5. Launch fiat deposits

Contact us for Stripe integration guidance and compliance support.