Stripe Integration — Online Payments for Business
Stripe online payments integration for EU businesses serving global customers. Stripe is the de-facto standard for SaaS, marketplace and e-commerce in the EU — with native EU SCA / 3-D Secure compliance, multi-currency settlement and Apple Pay / Google Pay out of the box.
What the Stripe integration includes
- ✓Stripe Checkout and Payment Element — hosted page or embedded form, supporting cards, SEPA, iDEAL, Bancontact.
- ✓Recurring subscriptions and trials — Stripe Billing with monthly, annual and usage-based pricing, prorations, dunning, invoices.
- ✓Stripe Connect for marketplaces — seller onboarding, automatic split of funds, application fees, IBAN payouts, KYC.
- ✓Apple Pay and Google Pay — wallet payments inside Payment Element — mobile checkout conversion jumps 20-35%.
- ✓Multi-currency and automatic FX — accept 135+ currencies; Stripe settles in EUR to your entity.
- ✓Refunds and dispute handling — admin screen for full/partial refunds, chargeback alerts, evidence upload inside SLA.
- ✓Webhook-driven ERP / CRM sync — every payment, refund or subscription event writes an invoice, order or contact into your ERP or CRM.
Who Stripe integration is for
Selling a monthly or annual subscription? Stripe Billing handles trials, prorations, dunning on declined cards and auto-cancel after X retries. We wire it to your customer portal so finance never touches it.
A store targeting the EU and US cannot rely on a local virtual POS — buyers expect Apple Pay, Klarna and local-currency pricing. Stripe Checkout covers 135+ currencies and 40+ payment methods from one contract.
A platform where multiple sellers collect through one checkout? Stripe Connect runs KYC on each seller, splits funds between seller, platform and VAT, and pays out to the seller IBAN.
How we build the Stripe architecture
Stripe is not "add a Pay button" — a production-grade integration needs verified webhooks, idempotency keys and reconciliation between Stripe Dashboard and your ERP. That is the line between a prototype and a system that does not lose money.
1. Stripe Node.js SDK on the server
The backend uses the official stripe npm package with typed API. Secret keys live in an env vault — never in repo or browser bundle. Restricted keys cap permissions per endpoint.
2. Webhook handlers with signature verification
Every webhook (payment_intent.succeeded, invoice.paid, charge.refunded) is verified via stripe.webhooks.constructEvent. Idempotency via event.id stored in DB — a retried webhook never creates a duplicate invoice.
3. Plug into Next.js, .NET, WooCommerce or Shopify
We plug into any stack — Next.js App Router, ASP.NET Core, WordPress + WooCommerce or Shopify (via Payment Apps API for a lower fee than Shopify Payments). The payment layer is standardized so platform migrations do not rewrite it.
4. PCI compliance via Stripe Elements
The card PAN never touches your server. Stripe Elements / Checkout loads an iframe from stripe.com, so your PCI obligation drops to SAQ-A — no QSA audit, no yearly pen-test. EU SCA / 3-D Secure 2 fires automatically via Stripe Radar.
Why Saitami for Stripe
Prices are fixed in EUR. See also API integrations for business and eMAG marketplace integration.
Frequently Asked Questions
Can a Bulgarian company accept payments via Stripe?
Yes. Since June 2021 Stripe supports companies registered in Bulgaria — you open a Stripe account with your EIK, VAT number and an EUR or BGN IBAN, pass KYC verification and start accepting cards worldwide. Settlement is in EUR, payouts arrive in 2-7 business days. Stripe issues an automatic fee invoice that you book as a service from Ireland (reverse-charge VAT).
What is PCI compliance with Stripe?
When using Stripe Elements or Stripe Checkout, card data never touches your server — the customer types it inside an iframe served by stripe.com. This drops your PCI obligation to the lightest level, SAQ-A — no QSA audit, no quarterly ASV scans of your full infra. EU SCA / 3-D Secure 2 challenge is invoked automatically by Stripe Radar based on risk signals, with no code on your side.
Does Stripe support subscriptions and trial periods?
Yes — Stripe Billing is the purpose-built engine for recurring revenue. It supports monthly, annual and usage-based pricing, free trials with or without a card, prorations on mid-cycle upgrade or downgrade, automatic dunning on failed payments (3-5 smart retries) and a customer portal where the buyer changes plan, card or downloads an invoice without opening a support ticket.
How much does Stripe integration cost?
Starting price €1,400 for a standard Stripe Checkout flow with a webhook handler into one ERP/CRM, one product and one settlement currency. Subscription billing with customer portal, prorations and dunning starts from €2,200. Marketplace integration with Stripe Connect — seller onboarding, split payments and payouts — starts from €3,800. Stripe processing fees (2.5%-3.4% + €0.25 per European card) are paid directly to Stripe.
Ready for Stripe online payments in production?
Send a quick note about your business model — one-off purchases, subscriptions or marketplace — and your current platform. Within 48 hours we ship a concrete architecture and a fixed EUR quote.
Request a Stripe architecture →Related services: API integrations · E-commerce development · Software development