Placido-Shop

  How to test and receive credit card payments

  See in this page :
How to proceed ?
How to test credit card payments
How do I collect actual payments
Payment security
Stripe pricing

To manage credit card payments, we use the Stripe payment system, it is highly secure.
Stripe charges a commission on each successful payment,
apart from that there are no subscriptions, installation costs, or monthly or hidden charges.
Stripe allows you to test credit card payments for free on your store.
You can simulate sales and various payment incidents (unavailable funds, fraud, etc ...).
Stripe supports payments via 3D Secure.
Once your tests have been completed, you can provide Stripe with the official documents requested and your bank details in order to actually collect your payments.

  How to proceed ?

Start by creating an account on the Stripe website.

Here you can provide only the minimum information, without your bank details for example.

  How to test credit card payments ?

Once your account is created, access your account.
Click on "Developers" at the top right of the page.
On the left you will then see a "Developers" menu, click on "API keys".
On this page, you will find your 2 keys which are character strings which begin with
"pk_test_xxxxxxxx" (the public key) and "sk_test_xxxxxxx" (the secret key).

Copy and paste these two keys into their respective fields, in the administration of your site under the
"Settings" > "Enter your Stripe keys"  tab.
Enter your test keys in the fields of the "Test" part.

Once these steps have been completed,
you can test a payment on your site by entering one of the credit card test numbers provided by Stripe.
To find this credit card test data follow this link or search for "Stripe testing" on the web.

For example, you can test a successful payment by Visa card by entering the following data during your test payment :

For the card number :
4242 4242 4242 4242
For date:
- A date in the future
For the 3-digit code (if requested) :
- Three random numbers.

Do not hesitate to test your payments, no charge is counted.

Test multiple scenarios :
Insufficient funds, attempted fraud, stolen card, 3D secure, etc...

Believe me ,
you can perform as many tests as you want at no cost.

  How do I collect actual payments ?

To collect actual payments, you must enter your production keys.

To access your production keys, you will need to provide documents concerning your company, and fill in your bank details, let Stripe's website interface will guide you.

Once your information has been validated by Stripe,
you will have access to your production keys by switching from "Test" mode to "Production" mode at the top right of your management interface on the Stripe website.

Copy and paste your production keys into their respective fields, in the administration of your site under the
"Settings" > "Enter your Stripe keys"  tab.
Enter your keys in the fields of the "Production" part.

  Once this action has been taken,
you will be able to receive real payments by bank card !

When you receive actual payments,
Stripe will transfer the money directly to your bank account within 8-10 days.

If both test and production key pairs are present at the same time,
the production keys will always take precedence.

  Payment Security :

We have paid particular attention to the security of the program and the security of the payment system.

Thus a user can only make 10 purchases per day from the application or he can only cancel a sale 10 times.
Or a split of both actions.
Beyond 10 actions, the user's IP address is blocked and he can no longer buy on the site.

You have access to these blocked IP addresses from your management interface.
Remember to unblock them after a while because the IP addresses can be temporary and you might block an innocent user.

Your Stripe keys are stored encrypted in your database.

Payment validity is scanned in the background so you may be able to find unpaid sales which will be automatically updated once the checks are completed.

Do not hesitate to contact us if you have any problems with your payments.

  Stripe pricing :

  Note : The rates shown here may be incorrect.
Check the Stripe website for exact pricing information.

  Note : The following examples are given for European user, but keep in mind that Stripe manages hundreds of currencies.
Placido-Shop supports all currencies of all countries, you will surely be able to collect payment with your local currency.

- For the European Economic Area :

1.4 % (of payment amount) + 0,25 €
add +1.1 % for UK bank cards

ex. : For a payment of 100 € the tax withheld will be
(100*0.014)+0.25 = 1.65 €
You will actually receive: 100-1.65 = 98.35 €

- For international cards :

2.9 % (of payment amount) + 0,25 €

ex. : For a payment of 100 € the tax withheld will be
(100*0.029)+0.25 = 3.15 €
You will actually receive: 100-3.15 = 96.85 €

  Note : If currency conversion is required, an additional 2% fee applies.