payment-integration

category	Business
id	payment-integration
name	Payment Integration
description	Implement Stripe payment processing for robust, PCI-compliant payment flows including checkout, subscriptions, and webhooks.

Stripe Integration

Master Stripe payment processing integration for robust, PCI-compliant payment flows including checkout, subscriptions, webhooks, and refunds.

When to Use This Skill

• Implementing payment processing in web/mobile applications
• Setting up subscription billing systems
• Handling one-time payments and recurring charges
• Processing refunds and disputes
• Managing customer payment methods
• Implementing SCA (Strong Customer Authentication) for European payments
• Building marketplace payment flows with Stripe Connect

Core Concepts

1. Payment Flows

Checkout Session (Hosted)

• Stripe-hosted payment page
• Minimal PCI compliance burden
• Fastest implementation
• Supports one-time and recurring payments

Payment Intents (Custom UI)

• Full control over payment UI
• Requires Stripe.js for PCI compliance
• More complex implementation
• Better customization options

Setup Intents (Save Payment Methods)

• Collect payment method without charging
• Used for subscriptions and future payments
• Requires customer confirmation

2. Webhooks

Critical Events:

• payment_intent.succeeded: Payment completed
• payment_intent.payment_failed: Payment failed
• customer.subscription.updated: Subscription changed
• customer.subscription.deleted: Subscription canceled
• charge.refunded: Refund processed
• invoice.payment_succeeded: Subscription payment successful

3. Subscriptions

Components:

• Product: What you're selling
• Price: How much and how often
• Subscription: Customer's recurring payment
• Invoice: Generated for each billing cycle

4. Customer Management

• Create and manage customer records
• Store multiple payment methods
• Track customer metadata
• Manage billing details

Quick Start

import stripe

stripe.api_key = "sk_test_..."

# Create a checkout session
session = stripe.checkout.Session.create(
    payment_method_types=['card'],
    line_items=[{
        'price_data': {
            'currency': 'usd',
            'product_data': {
                'name': 'Premium Subscription',
            },
            'unit_amount': 2000,  # $20.00
            'recurring': {
                'interval': 'month',
            },
        },
        'quantity': 1,
    }],
    mode='subscription',
    success_url='https://yourdomain.com/success?session_id={CHECKOUT_SESSION_ID}',
    cancel_url='https://yourdomain.com/cancel',
)

# Redirect user to session.url
print(session.url)

Payment Implementation Patterns

Pattern 1: One-Time Payment (Hosted Checkout)

def create_checkout_session(amount, currency='usd'):
    """Create a one-time payment checkout session."""
    try:
        session = stripe.checkout.Session.create(
            payment_method_types=['card'],
            line_items=[{
                'price_data': {
                    'currency': currency,
                    'product_data': {
                        'name': 'Purchase',
                        'images': ['https://example.com/product.jpg'],
                    },
                    'unit_amount': amount,  # Amount in cents
                },
                'quantity': 1,
            }],
            mode='payment',
            success_url='https://yourdomain.com/success?session_id={CHECKOUT_SESSION_ID}',
            cancel_url='https://yourdomain.com/cancel',
            metadata={
                'order_id': 'order_123',
                'user_id': 'user_456'
            }
        )
        return session
    except stripe.error.StripeError as e:
        # Handle error
        print(f"Stripe error: {e.user_message}")
        raise

Pattern 2: Custom Payment Intent Flow

def create_payment_intent(amount, currency='usd', customer_id=None):
    """Create a payment intent for custom checkout UI."""
    intent = stripe.PaymentIntent.create(
        amount=amount,
        currency=currency,
        customer=customer_id,
        automatic_payment_methods={
            'enabled': True,
        },
        metadata={
            'integration_check': 'accept_a_payment'
        }
    )
    return intent.client_secret  # Send to frontend

# Frontend (JavaScript)
"""
const stripe = Stripe('pk_test_...');
const elements = stripe.elements();
const cardElement = elements.create('card');
cardElement.mount('#card-element');

const {error, paymentIntent} = await stripe.confirmCardPayment(
    clientSecret,
    {
        payment_method: {
            card: cardElement,
            billing_details: {
                name: 'Customer Name'
            }
        }
    }
);

if (error) {
    // Handle error
} else if (paymentIntent.status === 'succeeded') {
    // Payment successful
}
"""

Pattern 3: Subscription Creation

def create_subscription(customer_id, price_id):
    """Create a subscription for a customer."""
    try:
        subscription = stripe.Subscription.create(
            customer=customer_id,
            items=[{'price': price_id}],
            payment_behavior='default_incomplete',
            payment_settings={'save_default_payment_method': 'on_subscription'},
            expand=['latest_invoice.payment_intent'],
        )

        return {
            'subscription_id': subscription.id,
            'client_secret': subscription.latest_invoice.payment_intent.client_secret
        }
    except stripe.error.StripeError as e:
        print(f"Subscription creation failed: {e}")
        raise

Pattern 4: Customer Portal

def create_customer_portal_session(customer_id):
    """Create a portal session for customers to manage subscriptions."""
    session = stripe.billing_portal.Session.create(
        customer=customer_id,
        return_url='https://yourdomain.com/account',
    )
    return session.url  # Redirect customer here

Webhook Handling

Secure Webhook Endpoint

from flask import Flask, request
import stripe

app = Flask(__name__)

endpoint_secret = 'whsec_...'

@app.route('/webhook', methods=['POST'])
def webhook():
    payload = request.data
    sig_header = request.headers.get('Stripe-Signature')

    try:
        event = stripe.Webhook.construct_event(
            payload, sig_header, endpoint_secret
        )
    except ValueError:
        # Invalid payload
        return 'Invalid payload', 400
    except stripe.error.SignatureVerificationError:
        # Invalid signature
        return 'Invalid signature', 400

    # Handle the event
    if event['type'] == 'payment_intent.succeeded':
        payment_intent = event['data']['object']
        handle_successful_payment(payment_intent)
    elif event['type'] == 'payment_intent.payment_failed':
        payment_intent = event['data']['object']
        handle_failed_payment(payment_intent)
    elif event['type'] == 'customer.subscription.deleted':
        subscription = event['data']['object']
        handle_subscription_canceled(subscription)

    return 'Success', 200

def handle_successful_payment():
    
    customer_id = payment_intent.get()
    amount = payment_intent[]
    metadata = payment_intent.get(, {})

    
    
    
    ()

 ():
    
    error = payment_intent.get(, {})
    ()
    
    

 ():
    
    customer_id = subscription[]
    
    
    ()

Webhook Best Practices

import hashlib
import hmac

def verify_webhook_signature(payload, signature, secret):
    """Manually verify webhook signature."""
    expected_sig = hmac.new(
        secret.encode('utf-8'),
        payload,
        hashlib.sha256
    ).hexdigest()

    return hmac.compare_digest(signature, expected_sig)

def handle_webhook_idempotently(event_id, handler):
    """Ensure webhook is processed exactly once."""
    # Check if event already processed
    if is_event_processed(event_id):
        return

    # Process event
    try:
        handler()
        mark_event_processed(event_id)
    except Exception as e:
        log_error(e)
        # Stripe will retry failed webhooks
        raise

Customer Management

def create_customer(email, name, payment_method_id=None):
    """Create a Stripe customer."""
    customer = stripe.Customer.create(
        email=email,
        name=name,
        payment_method=payment_method_id,
        invoice_settings={
            'default_payment_method': payment_method_id
        } if payment_method_id else None,
        metadata={
            'user_id': '12345'
        }
    )
    return customer

def attach_payment_method(customer_id, payment_method_id):
    """Attach a payment method to a customer."""
    stripe.PaymentMethod.attach(
        payment_method_id,
        customer=customer_id
    )

    # Set as default
    stripe.Customer.modify(
        customer_id,
        invoice_settings={
            'default_payment_method': payment_method_id
        }
    )

def list_customer_payment_methods(customer_id):
    """List all payment methods for a customer."""
    payment_methods = stripe.PaymentMethod.list(
        customer=customer_id,
        type='card'
    )
    return payment_methods.data

Refund Handling

def create_refund(payment_intent_id, amount=None, reason=None):
    """Create a refund."""
    refund_params = {
        'payment_intent': payment_intent_id
    }

    if amount:
        refund_params['amount'] = amount  # Partial refund

    if reason:
        refund_params['reason'] = reason  # 'duplicate', 'fraudulent', 'requested_by_customer'

    refund = stripe.Refund.create(**refund_params)
    return refund

def handle_dispute(charge_id, evidence):
    """Update dispute with evidence."""
    stripe.Dispute.modify(
        charge_id,
        evidence={
            'customer_name': evidence.get('customer_name'),
            'customer_email_address': evidence.get('customer_email'),
            'shipping_documentation': evidence.get('shipping_proof'),
            'customer_communication': evidence.get('communication'),
        }
    )

Testing

# Use test mode keys
stripe.api_key = "sk_test_..."

# Test card numbers
TEST_CARDS = {
    'success': '4242424242424242',
    'declined': '4000000000000002',
    '3d_secure': '4000002500003155',
    'insufficient_funds': '4000000000009995'
}

def test_payment_flow():
    """Test complete payment flow."""
    # Create test customer
    customer = stripe.Customer.create(
        email="[e-mail]"
    )

    # Create payment intent
    intent = stripe.PaymentIntent.create(
        amount=1000,
        currency='usd',
        customer=customer.id,
        payment_method_types=['card']
    )

    # Confirm with test card
    confirmed = stripe.PaymentIntent.confirm(
        intent.id,
        payment_method='pm_card_visa'  # Test payment method
    )

    assert confirmed.status == 'succeeded'

Resources

• references/checkout-flows.md: Detailed checkout implementation
• references/webhook-handling.md: Webhook security and processing
• references/subscription-management.md: Subscription lifecycle
• references/customer-management.md: Customer and payment method handling
• references/invoice-generation.md: Invoicing and billing
• assets/stripe-client.py: Production-ready Stripe client wrapper
• assets/webhook-handler.py: Complete webhook processor
• assets/checkout-config.json: Checkout configuration templates

Best Practices

1. Always Use Webhooks: Don't rely solely on client-side confirmation
2. Idempotency: Handle webhook events idempotently
3. Error Handling: Gracefully handle all Stripe errors
4. Test Mode: Thoroughly test with test keys before production
5. Metadata: Use metadata to link Stripe objects to your database
6. Monitoring: Track payment success rates and errors
7. PCI Compliance: Never handle raw card data on your server
8. SCA Ready: Implement 3D Secure for European payments

Common Pitfalls

• Not Verifying Webhooks: Always verify webhook signatures
• Missing Webhook Events: Handle all relevant webhook events
• Hardcoded Amounts: Use cents/smallest currency unit
• No Retry Logic: Implement retries for API calls
• Ignoring Test Mode: Test all edge cases with test cards