Card payment in the web shop (Stripe)

Card payment in the web shop (Stripe)

Card payment with Visa and Mastercard directly in the web shop's checkout, via Stripe. The payment is authorised immediately and registered as a prepayment on the order.

TABLE OF CONTENTS

• About card payment
• How it works
• The customer experience at checkout
• Internal handling
• Setup
• Troubleshooting and limitations
• Frequently asked questions
• Glossary
• Related articles

About card payment

Card payment with Stripe lets customers pay with Visa or Mastercard directly at checkout, without leaving the web shop. The amount is authorised (reserved) immediately at ordering, and the order is created automatically. For the customer it gives a seamless purchase experience with immediate order confirmation. For the business it means the payment is reserved before the order is processed.

Card payment in the web shop solves typical challenges with invoicing and in-store payment:

• Immediate payment guarantee, the amount is reserved on the card at ordering
• Higher conversion, customers who can pay by card complete purchases more often
• Reduced administration, the payment is linked to the order automatically
• Support for both logged-in customers and guests
  
  

NOTE: The amount is reserved at ordering, but not captured automatically. The actual capture happens on invoicing. The authorisation usually expires after 7 days if it is not captured.

How it works

Stripe payment lets customers pay with Visa and Mastercard at checkout. The payment is authorised immediately, and the order is created automatically.

Main features

• Card payment at checkout, the customer enters card number, expiry date and security code on the payment page
• Automatic authorisation, the amount is reserved on the card at ordering, but not captured immediately
• Guest ordering without an account in the web shop
• Automatic order linking, the payment is registered as a prepayment
• Refund from Telaris

Interaction with other modules

• Web shop: the payment is part of the checkout flow
• Order processing: the order is created automatically with payment information
• Finance and invoicing: the payment is registered as a prepayment and captured on invoicing
• Accounting export: Stripe payments are included in the export to accounting systems

The customer experience at checkout

Step 1: Go to checkout.The customer adds items to the basket and goes to the checkout.

Step 2: Fill in delivery information.Name, address and any delivery options.

Step 3: Choose payment method.Under payment options the customer selects "Visa / Master Card" (shown with a credit card icon).

Step 4: Fill in card information.Three fields are shown:

• Card Number: card number
• Expiration Date: expiry date (MM/YY)
• CVV/CVC: security code (three digits on the back of the card)

The fields are provided by Stripe and handle the card information securely. The card number never touches Telaris' servers.

Step 5: Submit the order.The customer clicks "Send order". A loading indicator is shown with the text "Behandler din ordre, vennligst vent...".

Step 6: Confirmation.On a successful payment the customer is sent to a confirmation page, and an order confirmation is sent by email. If the payment fails (declined card, incorrect information), an error message is shown, and the customer can try again.

Internal handling

After ordering

• The order is created automatically with status "web" (or the configured web shop status)
• A prepayment is registered on the order with type "Stripe", amount and transaction reference
• The amount is only authorised (reserved) on the card, not captured

On invoicing (capture)

• When the order is invoiced, the reserved amount can be captured and actually charged from the customer's card
• This is done via the finance module in Telaris

Refund

• Payments can be refunded from Telaris via the finance module, and the money is returned to the customer's card via Stripe
  
  
  

NOTE: Stripe authorisations usually expire after 7 days. If the order is not invoiced within the deadline, the reservation is released and the amount can no longer be charged automatically.

Setup

To activate card payment you only need Stripe keys in the web shop settings. No separate licence is required beyond the web shop licence.

Step 1: Create or gain access to a Stripe account

The business must have a Stripe account at stripe.com. This is where the keys needed in the next step are retrieved.

Step 2: Configure Stripe in the web shop settings

1. Go to/admin/webshop/settings/{nettbutikk-id}(PCS Admin → Web shop settings)
2. Find the payment section
3. Open the "Stripe" panel
4. Fill in the fields:
   • Stripe Public Key: the public key from Stripe (starts withpk_live_for production orpk_test_for testing)
   • Stripe Secret Key: the secret key from Stripe (starts withsk_live_for production orsk_test_for testing)
5. Click "Save"

Once the keys are saved, "Visa / Master Card" is shown automatically as a payment option at checkout.

Test and production mode

Stripe has no separate test/production switch in Telaris. The mode is controlled by the keys:

• Test keys (pk_test_.../sk_test_...): payments are processed in Stripe's test environment, no real money is moved
• Production keys (pk_live_.../sk_live_...): real payments

To move from test to production, change the keys in the web shop settings.

Web shops with a parent site

If the web shop has a parent site, payment settings can be inherited from it. A link "Change payment on the parent site" is shown in the settings.

Prerequisites

• Active Stripe account with Stripe
• Web shop created and configured in Telaris
• Products, prices and delivery options set up in the web shop

Stripe is an external service. The business must have an agreement with Stripe, and all card payments are processed and settled via Stripe's platform. The currency is taken from the finance settings in Telaris (NOK by default).

Troubleshooting and limitations

Common errors

"This webshop does not have stripe enabled" on payment

• Stripe Secret Key is missing in the web shop settings, check the "Stripe" panel under web shop settings

Card payment is not shown at checkout

• Stripe Public Key is missing or empty, check the "Stripe" panel under web shop settings

Payment is declined

• The card was declined by Stripe (insufficient funds, expired card, incorrect CVC)
• Test keys are used in production or vice versa, check that the keys match the environment

The amount is incorrect

• The currency setting in the finance module can affect the amount sent to Stripe

Known limitations

• Visa and Mastercard only. Other card types depend on the Stripe account's configuration
• Authorisation, not capture. The amount is reserved at ordering, but only charged on capture. Authorisations typically expire after 7 days
• No 3D Secure configuration in Telaris. Any 3D Secure is handled automatically by Stripe based on the card issuer's requirements
• One Stripe account per web shop (unless it inherits from a parent site)

What the module does not do

• Does not handle subscriptions or recurring payments in the web shop
• Does not show Stripe as a payment option on invoices, that is a separate feature (Payment link)
• Gives no automatic capture on order confirmation, capture is done manually or on invoicing

Frequently asked questions

What is the difference between Stripe in the web shop and Payment link?
Web shop payment uses its own Stripe keys per web shop and is part of the checkout flow. Payment link uses a global Stripe integration linked to invoices. They are two separate features with separate configuration.

Is the money charged immediately?
No, the amount is reserved (authorised) on the card at ordering. The money is only charged when the payment is captured, typically on invoicing.

What happens if the authorisation expires?
Stripe authorisations usually expire after 7 days. If the order is not invoiced within that time, the reservation is released and the amount can no longer be charged automatically.

Can guests pay by card?
Yes, guest ordering with card payment is supported. The customer does not need to create an account.

Can I test without charging a real card?
Yes, use test keys from Stripe (pk_test_...andsk_test_...). No real money is moved in test mode. Stripe also offers test card numbers for various scenarios.

Can I refund a payment?
Yes, refunds are done from Telaris via the finance module. The refund is sent back via Stripe to the customer's card.

What does the customer see if the payment fails?
The customer sees an error message on the checkout page with an explanation from Stripe (for example "The card was declined"). The customer can try again with another card.

Are Apple Pay or Google Pay supported?
It depends on the Stripe account's configuration. Telaris uses Stripe Elements, which can support these methods if they are enabled in the Stripe dashboard.

Glossary

• Authorisation: reservation of an amount on a payment card, without the money being charged
• Capture: the actual charging of an authorised amount, typically on invoicing
• Stripe Elements: Stripe's ready-made form components for secure card entry
• Prepayment: a payment registered on an order before final settlement
• Public Key: the public Stripe key used in the browser to display the payment form
• Secret Key: the secret Stripe key used on the server side to process payments
• Guest ordering: ordering in the web shop without a logged-in user account
• 3D Secure: an extra security layer where the customer confirms the payment via the bank's own solution

Related articles

• Vipps payment in the web shop
• Klarna payment in the web shop
• Payment link: Stripe payment for invoices via a public link (separate feature)