Stripe

Quick Start

1. Sign up at stripe.com and obtain API credentials
2. Create a terminal in the Admin Console with the parameters below
3. Start processing — the adapter is pre-built and ready to use

Go to Stripe →

Overview

Global payment platform with form-urlencoded API, 3DS redirect support, using Stripe API v2025-12-15.clover

Provider ID	stripe
Category	Card Processors
Website	stripe.com

Supported operations: start_tx capture_tx refund_tx status

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Authentication

Bearer token (API key)

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Payment Flow

Payment Flow

One-phase:

1. start_tx - Create Payment Intent
   • POST to /v1/payment_intents
   • Content-Type: application/x-www-form-urlencoded
   • Idempotency-Key: authorize-{tx_id}
   • Includes: amount, currency, payment_method
   • capture_method=automatic_async (recommended for lower latency)
   • Returns payment_intent ID
   • May require 3DS: check next_action.redirect_to_url
   • If redirect needed: customer completes 3DS → webhook confirms

Two-phase:

1. start_tx - Authorization
   • POST to /v1/payment_intents
   • Idempotency-Key: authorize-{tx_id}
   • capture_method=manual
   • Status requires_capture → authorized
2. capture_tx - Capture payment
   • POST to /v1/payment_intents/{id}/capture
   • Idempotency-Key: capture-{tx_id}
   • Can specify amount_to_capture

Refund:

• refund_tx - Create refund
  • POST to /v1/refunds
  • Idempotency-Key: refund-{tx_id}-{amount}
  • Form data: payment_intent={id}, amount={amount}

3DS Flow:

• If next_action.type=redirect_to_url:
  • Customer redirected to next_action.redirect_to_url.url
  • After 3DS: customer returns to returnUrl
  • Poll status or use webhook for confirmation

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Testing

Sandbox URL

https://api.stripe.com/

Test Cards

Card	Number	Exp	CVV	Result
Visa	4242 4242 4242 4242	any future	any 3 digits	Successful payment
Visa (decline)	4000 0000 0000 9979	any future	any 3 digits	Declined (stolen card)
Visa (3DS)	4000 0000 0000 3220	any future	any 3 digits	Requires 3D Secure
Mastercard	5555 5555 5555 4444	any future	any 3 digits	Successful payment
Mastercard Debit	5200 8282 8282 8210	any future	any 3 digits	Successful payment
Amex	3782 8224 6310 005	any future	any 4 digits	Successful payment
Discover	6011 1111 1111 1117	any future	any 3 digits	Successful payment
Insufficient funds	4000 0000 0000 9995	any future	any 3 digits	Insufficient funds

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Resources

• Official Documentation