Payments

Stripe Integration

Take payments, run subscriptions and pay out sellers with Stripe. We build integrations that handle declines, duplicate webhooks and failed renewals, with reconciliation that flags mismatches.

Stripe payments that hold up after launch

Stripe processes the card, but your product still has to handle everything around it: declined cards, renewals that fail, webhooks that arrive twice or late, and records that drift from your accounting. We build Stripe integrations for one-time payments, subscriptions, marketplaces and invoicing that handle those cases, keep card data on Stripe's side, and give your team the logs, alerts and reconciliation reports to account for every payment.

AI-assisted, engineer-led Stripe integration

How AI assists

  • Drafts contract tests from the Stripe API reference, using test cards for declines, disputes and 3D Secure
  • Generates webhook handler scaffolding and event fixtures for engineers to review and harden
  • Reviews event logs and reconciliation reports to trace a failed payment or payout to its cause
  • Drafts customer-facing messages for declined cards and failed renewals for designers to refine

What our experts own

  • Engineers decide the payment model and which system owns customers, prices, invoices and refunds
  • Engineers set idempotency, retry and reconciliation rules so a resent event does not charge twice
  • API keys are restricted, rotated and kept out of code and AI prompts; card data stays with Stripe
  • QA signs off declines, disputes and 3D Secure flows before go-live; Radar rules are set with your team

From checkout to a reconciled Stripe payment

Illustrative one-time payment; subscriptions, Connect payouts and invoices add their own events to the same pattern.

  1. Payment intent created

    Your server creates a payment intent with an idempotency key, so a double-click or retry reuses it.

  2. Customer pays

    Card details go into Stripe-hosted fields; 3D Secure and Radar rules run where they apply.

    Checkpoint: Your team owns the Radar rules

  3. Signed webhook

    Stripe posts the payment event to your endpoint; the signature is verified before anything else runs.

  4. Idempotent handler

    The event ID is recorded first, so resent events are skipped and late ones cannot overwrite newer states.

  5. Order updated

    The order is marked paid, fulfillment or account access starts, and the charge syncs to your accounting system.

  6. Payout reconciliation

    Balance transactions and payouts are matched to orders, refunds and fees; mismatches go on a report.

    Checkpoint: Finance reviews mismatches before closing books

When something fails: Customers get a clear decline message and can try another card; if webhooks stop, a catch-up job fetches missed events and alerts your team.

What you receive

What your Stripe integration includes

  • Checkout and payment links

    Stripe Checkout, Elements or Payment Links set up for your flow, with clear messages for declined cards and extra authentication steps.

  • Subscription billing

    Stripe Billing with trials, proration, failed-payment retries and dunning emails, plus account access that follows payment status.

  • Marketplace payouts

    Stripe Connect onboarding, split payments and payouts, with clear handling of seller accounts that are restricted or need verification.

  • Invoicing

    Stripe Invoicing with reminders, PDF invoices and bank payment options where available, synced to your accounting system.

  • Webhook architecture

    Signed webhook endpoints that process each event once, retry safely, log every event and catch up after downtime by reconciling with Stripe.

  • Fraud and authentication

    Stripe Radar rules, 3D Secure where required and dispute workflows, set up around your team's risk decisions.

Prepare an integration that your team can operate

  • Access and inputs

    Provide an eligible Stripe account, test access, product and price rules, countries and currencies, refund requirements and the system that owns billing. Confirm whether subscriptions or connected accounts are in scope.

  • A realistic first scope

    Start with one complete payment or subscription lifecycle, including failed payments, cancellations and reconciliation. Account approval, available methods, disputes and provider fees remain with Stripe and your business.

  • Handover and maintenance

    We deliver the agreed connection, test evidence, configuration notes and recovery instructions. Assign an owner for alerts and reconciliation. Provider changes, credentials and ongoing monitoring can be maintained under an agreed support plan; provider charges remain separate.

How we deliver your Stripe integration

  1. 01

    Map payment flows

    Map products, prices, currencies, taxes and refunds, decide which system owns customers and invoices, and list the failure cases to handle.

  2. 02

    Design and test mode

    Design the payment and webhook model, then write contract tests in Stripe test mode for declines, disputes, 3D Secure and resent events.

  3. 03

    Build and harden

    Build idempotent API calls, signed webhook handling, retries and reconciliation jobs, with logs and alerts your team can read.

  4. 04

    Go live and monitor

    Switch to restricted live keys, verify the first live payments, and keep dashboards for failures, disputes and payouts on an agreed support plan.

Two ways to work with AI tools

AI helps draft integration code and contract tests. Choose where it may process your code and API data.

Not sure? We'll recommend one during scoping. Compare AI delivery options

FAQ

Frequently Asked Questions

Is Stripe available in my country?

Stripe operates in supported countries, and the payment methods and features you can use depend on your country, currency and business type. We check your setup against Stripe's current documentation at the start, before any design depends on it, and plan alternatives if something is not available.

Can you connect Stripe to our billing, ERP or CRM?

Yes. We sync customers, invoices, payments and refunds with systems such as NetSuite, QuickBooks or Salesforce, decide which system owns each record, and run reconciliation reports so finance can spot mismatches before closing the books.

Do AI tools see our customers' card details?

No. We design checkout so card numbers go straight to Stripe through Stripe-hosted fields and do not pass through your servers or our tools. AI tools work on code and test-mode data. If code and logs must stay on infrastructure you control, Private / Local AI Engineering covers that; otherwise we use Claude Code / OpenAI Codex Engineering under controls we agree with you.

Build your Stripe payment flow with us

Tell us how you charge today, what needs to change and which systems must stay in sync. We'll reply with questions, risks and a suggested first step.