Stripe Integration

What is Stripe Integration?

Stripe integration allows you to offer traditional payment methods (credit cards, debit cards) alongside cryptocurrency payments. This gives your customers maximum flexibility in how they pay.

Benefits

• Accept Visa, Mastercard, American Express, and more
• Seamless checkout experience
• Automatic payment processing
• Support for Stripe Tax for automatic tax calculation
• Unified dashboard for all payment types

Setup Configuration

Step 1: Get Stripe API Keys

1. Log in to your Stripe Dashboard
2. Navigate to Developers → API keys
3. Copy your Secret key (starts with sk_live_ for live, sk_test_ for test)
4. Find or create your Product ID for pricing

Step 2: Configure in U.Cash

1. Navigate to Settings → Stripe
2. Check Active to enable Stripe
3. Optionally enable Stripe Tax for automatic tax calculation
4. Enter your Secret key
5. Enter your Product ID
6. Save your settings

Stripe Tax Integration

Enable Stripe Tax to automatically calculate and collect sales tax based on customer location.

Benefits

• Automatic tax calculation for 50+ countries
• Handles tax nexus and thresholds
• Generates tax reports
• Files tax returns (additional fees apply)

Configuration

1. In U.Cash Stripe settings, check Stripe Tax
2. In your Stripe Dashboard, enable Stripe Tax for your account
3. Configure tax registration in Stripe settings
4. Tax will be automatically calculated at checkout

Checkout Flow

When both cryptocurrency and Stripe are enabled, customers can choose their preferred payment method.

Payment Options Display

1. Customer selects products and proceeds to checkout
2. Payment form displays cryptocurrency options (BTC, ETH, etc.)
3. Stripe card payment option is also available
4. Customer selects their preferred payment method
5. Checkout continues with selected method

Payment Processing

• Cryptocurrency: Standard crypto payment flow
• Card Payment: Stripe checkout popup appears
• Both methods update order status upon completion

Testing Your Integration

Stripe Test Mode

Use Stripe's test mode to simulate card payments:

• Use test API keys (sk_test_...)
• Test card number: 4242 4242 4242 4242
• Any future expiry date (e.g., 12/34)
• Any CVC (3 digits)
• Any postal code

Test Scenarios

Fees and Pricing

Stripe Fees

• Standard Stripe processing fees apply
• Typically 2.9% + $0.30 per card transaction
• International cards may have higher fees
• Check Stripe pricing for current rates

Stripe Tax Fees

• Additional fee per transaction where tax is calculated
• Filing and remittance fees may apply
• See Stripe Tax pricing for details

U.Cash Fees

• Standard U.Cash platform fees still apply
• Cryptocurrency payments processed separately
• No additional U.Cash fees for Stripe transactions

Troubleshooting

Stripe Not Showing at Checkout

• Verify Stripe is set to Active
• Check API key is correct (starts with sk_)
• Ensure Product ID is valid in your Stripe account
• Check browser console for JavaScript errors

Payment Failures

• Verify test vs live mode matches your API key
• Check card details are valid
• Review Stripe Dashboard for payment attempts
• Ensure webhook endpoints are configured in Stripe

Tax Not Calculating

• Confirm Stripe Tax is enabled in U.Cash settings
• Verify Stripe Tax is activated in your Stripe account
• Check tax registration is complete in Stripe
• Ensure customer location is being detected

Security Best Practices

• Never expose secret keys in client-side code
• Use environment variables for API keys in production
• Rotate keys regularly and invalidate old ones
• Monitor logs for unusual activity
• Use HTTPS for all checkout pages
• Keep Stripe webhook secret secure for verification
• Test in test mode before going live