Stripe
Stripe is a multi-currency enabled payment processor that ChargeOver can process multiple payment methods through.
Supported Payment Methods
- Visa
- Mastercard
- Discover
- American Express
- ACH/bank transfer (only supports USD)
Connect to Stripe
In order to connect to the Stripe payment gateway for credit card and/or ACH payments, you will need your Stripe Secret Key. You can find this by logging in to Stripe, and going to Developers from your dashboard.
The Secret Key should always start with either sk_live_ or sk_test_.
Once you have obtained your Stripe Secret Key, you can go back to ChargeOver to get the two connected.
If you are testing, you should use the Test Secret Key. And if you are charging real payments, you should use the Live Secret Key.
In ChargeOver
Go to your Settings and select
Payment Processing Select
Add or Configure a Payment Method or Merchant Account
Choose Stripe from the choices
Enter in your Stripe Secret Key
- Scroll to the next section and designate which payment types you accept (Visa, Mastercard, etc.)
Be aware that if you accept ACH payments through Stripe, you customers will need to complete the micro-verification process before their ACH/echeck account can be used to take payments.
- Click
Save Settings when finished
Stripe's Restricted API Keys
ChargeOver will work with standard, or with restricted keys.
For restricted keys, you will want to make sure ChargeOver can read or write the following.
- Charges
- Customers
- Tokens
- Disputes
- Balance
Stripe ACH Micro-Deposit Verification Process
Before you can accept ACH payments from a customer through the Stripe payment gateway, Stripe requires that their bank account be verified.
ChargeOver can help you with the process of getting a customer's bank account verified through micro-deposits, so that it can be used as the customer's payment method for future invoices.
In ChargeOver
Send your customer an email with a link to update their payment method
The link will bring your customer to a page like the one below. Click the
Add a New Bank Account option
- Next, all of the customer's ACH account information will need to be filled in and saved
- Once the ACH information has been saved, ChargeOver will display customer facing and user facing messages indicating that the customer's bank account has not been verified yet
- ChargeOver will automatically send your customer an email telling them to check their bank account for the micro-deposits used for bank account verification
- Make sure that you have an email address for the customer on file in your ChargeOver account
- The email ChargeOver sends will also contain a link that the customer should go to once they see the deposits in their account
- When the customer follows the link in the email, they will be asked to input
the amount of the two micro-deposits they see in their bank account and click
Verify
- Once the customer has successfully verified their bank account, a message will display
Once this process has been completed, the customer's verified bank account can be used towards paying their future invoices through the Stripe payment gateway.
Supported Currencies
- AED: United Arab Emirates Dirham
- ALL: Albanian Lek
- ANG: Netherlands Antillean Gulden
- ARS: Argentine Peso**
- AUD: Australian Dollar
- AWG: Aruban Florin
- BBD: Barbadian Dollar
- BDT: Bangladeshi Taka
- BIF: Burundian Franc
- BMD: Bermudian Dollar
- BND: Brunei Dollar
- BOB: Bolivian Boliviano**
- BRL: Brazilian Real**
- BSD: Bahamian Dollar
- BWP: Botswana Pula
- BZD: Belize Dollar
- CAD: Canadian Dollar
- CHF: Swiss Franc
- CLP: Chilean Peso**
- CNY: Chinese Renminbi Yuan
- COP: Colombian Peso**
- CRC: Costa Rican Colón**
- CVE: Cape Verdean Escudo**
- CZK: Czech Koruna**
- DJF: Djiboutian Franc**
- DKK: Danish Krone
- DOP: Dominican Peso
- DZD: Algerian Dinar
- EGP: Egyptian Pound
- ETB: Ethiopian Birr
- EUR: Euro
- FJD: Fijian Dollar
- FKP: Falkland Islands Pound**
- GBP: British Pound
- GIP: Gibraltar Pound
- GMD: Gambian Dalasi
- GNF: Guinean Franc**
- GTQ: Guatemalan Quetzal**
- GYD: Guyanese Dollar
- HKD: Hong Kong Dollar
- HNL: Honduran Lempira**
- HRK: Croatian Kuna
- HTG: Haitian Gourde
- HUF: Hungarian Forint**
- IDR: Indonesian Rupiah
- ILS: Israeli New Sheqel
- INR: Indian Rupee**
- ISK: Icelandic Króna
- JMD: Jamaican Dollar
- JPY: Japanese Yen
- KES: Kenyan Shilling
- KHR: Cambodian Riel
- KMF: Comorian Franc
- KRW: South Korean Won
- KYD: Cayman Islands Dollar
- KZT: Kazakhstani Tenge
- LAK: Lao Kip**
- LBP: Lebanese Pound
- LKR: Sri Lankan Rupee
- LRD: Liberian Dollar
- MAD: Moroccan Dirham
- MDL: Moldovan Leu
- MNT: Mongolian Tögrög
- MOP: Macanese Pataca
- MRO: Mauritanian Ouguiya
- MUR: Mauritian Rupee**
- MVR: Maldivian Rufiyaa
- MWK: Malawian Kwacha
- MXN: Mexican Peso**
- MYR: Malaysian Ringgit
- NAD: Namibian Dollar
- NGN: Nigerian Naira
- NIO: Nicaraguan Córdoba**
- NOK: Norwegian Krone
- NPR: Nepalese Rupee
- NZD: New Zealand Dollar
- PAB: Panamanian Balboa**
- PEN: Peruvian Nuevo Sol**
- PGK: Papua New Guinean Kina
- PHP: Philippine Peso
- PKR: Pakistani Rupee
- PLN: Polish Złoty
- PYG: Paraguayan Guaraní**
- QAR: Qatari Riyal
- RUB: Russian Ruble
- SAR: Saudi Riyal
- SBD: Solomon Islands Dollar
- SCR: Seychellois Rupee
- SEK: Swedish Krona
- SGD: Singapore Dollar
- SHP: Saint Helenian Pound**
- SLL: Sierra Leonean Leone
- SOS: Somali Shilling
- STD: São Tomé and Príncipe Dobra
- SVC: Salvadoran Colón**
- SZL: Swazi Lilangeni
- THB: Thai Baht
- TOP: Tongan Paʻanga
- TTD: Trinidad and Tobago Dollar
- TWD: New Taiwan Dollar
- TZS: Tanzanian Shilling
- UAH: Ukrainian Hryvnia
- UGX: Ugandan Shilling
- USD: United States Dollar
- UYU: Uruguayan Peso**
- UZS: Uzbekistani Som
- VND: Vietnamese Đồng
- VUV: Vanuatu Vatu
- WST: Samoan Tala
- XAF: Central African Cfa Franc
- XOF: West African Cfa Franc**
- XPF: Cfp Franc**
- YER: Yemeni Rial
- ZAR: South African Rand
(**) Unsupported on American Express.
Currency Group 2
- AFN: Afghan Afghani**
- AMD: Armenian Dram
- AOA: Angolan Kwanza**
- AZN: Azerbaijani Manat
- BAM: Bosnia & Herzegovina Convertible Mark
- BGN: Bulgarian Lev
- CDF: Congolese Franc
- GEL: Georgian Lari
- KGS: Kyrgyzstani Som
- LSL: Lesotho Loti
- MGA: Malagasy Ariary
- MKD: Macedonian Denar
- MZN: Mozambican Metical
- RON: Romanian Leu
- RSD: Serbian Dinar
- RWF: Rwandan Franc
- SRD: Surinamese Dollar**
- TJS: Tajikistani Somoni
- TRY: Turkish Lira
- XCD: East Caribbean Dollar
- ZMW: Zambian Kwacha
(**) Unsupported on American Express.
Additional information about supported Stripe currencies can be found here.
Dynamic Statement Descriptors
Statement descriptors explain charges or payments on your customers bank statements. Using clear and accurate statement descriptors can reduce chargebacks and disputes. Read more about Stripe's support for statement descriptors.
If you want your customers bank statements to reflect your invoice number or the name of the product purchased, you can use merge tags to push this information to their bank statements.
In Stripe, set your shortened prefix:
In ChargeOver, set the same shortened prefix, and the dynamic component:
These merge tags are available for use in the dynamic component only:
| Merge tag | Description |
|---|---|
| {{invoice.refnumber}} | The invoice number being paid for |
| {{customer.company}} | The customer name |
| {{line.item_name}} | The product name of the first invoice line item |
| {{line.descrip}} | The description of the first invoice line item |
Stripe Connect Error
While the new Stripe Connect method provides some advantages, it also has a
disadvantage. You can get an error message like the one below.
Error Messages
Requests made on behalf of a connected account must use card tokens from Stripe.js, but card details were directly provided
- In ChargeOver, go to your Settings, then Payment Processors and Stripe
- Remove the Stripe Secret Key
- Go to Stripe and get your Stripe Secret Key (Do not use the
Connectbutton within ChargeOver to connect) - Copy and paste your Stripe Secret Key from Stripe, into ChargeOver