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Payments
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Overview
About Stripe payments
Upgrade your integration
Payments analytics
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OverviewFind your use caseManaged Payments
Use Payment Links
Build a checkout page
    Overview
    Quickstarts
    Customize look and feel
    Collect additional information
    Collect taxes
    Dynamically update checkout
    Manage your product catalog
    Subscriptions
      Build a subscriptions integration
      Configure free trials
      Limit customers to one subscription
      Set billing cycle date
    Manage payment methods
    Let customers pay in their local currency
    Add discounts, upsells, and optional items
    Set up future payments
    Save payment details during payment
    Manually approve payments on your server
    After the payment
    Elements with Checkout Sessions API beta changelog
    Migrate from legacy Checkout
    Migrate Checkout to use Prices
Build an advanced integration
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Handle multiple currencies
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HomePaymentsBuild a checkout pageSubscriptions

Build a subscriptions integration

Create and manage subscriptions to accept recurring payments.

Fixed-price subscription page with the Payment Element
Low code

Customize with the Appearance API.

Use this guide to learn how to sell fixed-price subscriptions. You’ll use the Payment Element with Checkout Sessions API to create a custom payment form that you embed in your application.

If you don’t want to build a custom payment form, you can integrate with hosted checkout. For an immersive version of that end-to-end integration guide, see the Billing quickstart.

If you aren’t ready to code an integration, you can set up basic subscriptions manually in the Dashboard. You can also use Payment Links to set up subscriptions without writing any code. Learn more about designing an integration to understand the decisions you need to make and the resources you need.

What you’ll build

This guide shows you how to:

  • Model your business by building a product catalog.
  • Build a registration process that creates a customer.
  • Create subscriptions and collect payment information.
  • Test and monitor payment and subscription status.
  • Let customers change their plan or cancel the subscription.

API object definitions

Set up Stripe

Install the Stripe client of your choice:

Command Line
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# Available as a gem sudo gem install stripe
Gemfile
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# If you use bundler, you can add this line to your Gemfile gem 'stripe'

And then install the Stripe CLI. The CLI provides webhook testing and you can run it to make API calls to Stripe. This guide shows how to use the CLI to set up a pricing model in a later section.

Command Line
homebrew
Install from source
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# Install Homebrew to run this command: https://brew.sh/ brew install stripe/stripe-cli/stripe # Connect the CLI to your dashboard stripe login

For additional install options, see Get started with the Stripe CLI.

Create the pricing model
Stripe CLI or Dashboard

Create your products and their prices in the Dashboard or with the Stripe CLI.

This example uses a fixed-price service with two different service-level options: Basic and Premium. For each service-level option, you need to create a product and a recurring price. (If you want to add a one-time charge for something like a setup fee, create a third product with a one-time price. To keep things simple, this example doesn’t include a one-time charge.)

In this example, each product bills at monthly intervals. The price for the Basic product is 5 USD. The price for the Premium product is 15 USD.

Go to the Add a product page and create two products. Add one price for each product, each with a monthly recurring billing period:

  • Premium product: Premium service with extra features

    • Price: Flat rate | 15 USD
  • Basic product: Basic service with minimum features

    • Price: Flat rate | 5 USD

After you create the prices, record the price IDs so you can use them in other steps. Price IDs look like this: price_G0FvDp6vZvdwRZ.

When you’re ready, use the Copy to live mode button at the top right of the page to clone your product from a sandbox to live mode.

Create the Customer
Client and Server

Stripe needs a Customer for each subscription. In your application front end, collect any necessary information from your users and pass it to the back end.

If you need to collect address details, the Address Element enables you to collect a shipping or billing address for your customers. For more information on the Address Element, see the Address Element page.

register.html
<form id="signup-form"> <label> Email <input id="email" type="email" placeholder="Email address" value="test@example.com" required /> </label> <button type="submit"> Register </button> </form>
register.js
const emailInput = document.querySelector('#email'); fetch('/create-customer', { method: 'post', headers: { 'Content-Type': 'application/json', }, body: JSON.stringify({ email: emailInput.value, }), }).then(r => r.json());

On the server, create the Stripe Customer object.

Note

Make sure you store the Customer ID to use in the Checkout Session

Command Line
cURL
Stripe CLI
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curl https://api.stripe.com/v1/customers \ -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:"
\ -d email={{CUSTOMER_EMAIL}} \ -d name={{CUSTOMER_NAME}} \ -d "shipping[address][city]"=Brothers \ -d "shipping[address][country]"=US \ -d "shipping[address][line1]"="27 Fredrick Ave" \ -d "shipping[address][postal_code]"=97712 \ -d "shipping[address][state]"=CA \ -d "shipping[name]"={{CUSTOMER_NAME}} \ -d "address[city]"=Brothers \ -d "address[country]"=US \ -d "address[line1]"="27 Fredrick Ave" \ -d "address[postal_code]"=97712 \ -d "address[state]"=CA

Create a Checkout Session
Server

On the back end of your application, define an endpoint that creates the session for your front end to call. You’ll need the price ID of the subscription the customer is signing up for—your front end passes this value.

If you created a one-time price in step 2, pass that price ID also. After creating a Checkout Session, make sure you pass the client secret back to the client in the response.

Note

You can use lookup_keys to fetch prices rather than Price IDs. See the sample application for an example.

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require 'stripe' require 'sinatra' # This test secret API key is a placeholder. Don't include personal details in requests with this key. # To see your test secret API key embedded in code samples, sign in to your Stripe account. # You can also find your test secret API key at https://dashboard.stripe.com/test/apikeys. Stripe.api_key =
'sk_test_BQokikJOvBiI2HlWgH4olfQ2'
Stripe.api_version = '2025-07-30.basil' set :static, true set :port, 4242 YOUR_DOMAIN = 'http://localhost:3000' post '/create-checkout-session' do content_type 'application/json' session = Stripe::Checkout::Session.create({ ui_mode: 'custom', # Provide the customer ID of the customer you previously created customer: '{{CUSTOMER_ID}}', line_items: [{ # Provide the exact Price ID (for example, price_1234) of the product you want to sell price: '{{PRICE_ID}}', quantity: 1, }], mode: 'subscription', return_url: YOUR_DOMAIN + '/return?session_id={CHECKOUT_SESSION_ID}', }) { clientSecret: session.client_secret }.to_json end

From your Dashboard, enable the payment methods you want to accept from your customers. Checkout supports several payment methods.

Initialize Checkout
Client

Create a fetchClientSecret function. This function retrieves the client secret from your server and returns a promise that resolves with the client secret. Call initCheckout, passing in fetchClientSecret. initCheckout returns a promise that resolves to a checkout instance.

The checkout object acts as the foundation of your checkout page, and contains data from the Checkout Session and methods to update the Session.

The object returned by checkout.session() contains your pricing information. We recommend reading and displaying the total, and lineItems from the session in your UI.

This lets you turn on new features with minimal code changes. For example, adding manual currency prices requires no UI changes if you display the total.

checkout.js
const fetchClientSecret = () => { return fetch('/create-checkout-session', {method: 'POST'}) .then((response) => response.json()) .then((json) => json.checkoutSessionClientSecret); }; stripe.initCheckout({fetchClientSecret}) .then((checkout) => { const checkoutContainer = document.getElementById('checkout-container'); checkoutContainer.append(JSON.stringify(checkout.lineItems, null, 2)); checkoutContainer.append(document.createElement('br')); checkoutContainer.append(`Total: ${checkout.session().total.total.amount}`); });
index.html
<div id="checkout-container"></div>

Collect payment information
Client

Collect payment details on the client with the Payment Element. The Payment Element is a prebuilt UI component that simplifies collecting payment details for a variety of payment methods.

First, create a container DOM element to mount the Payment Element. Then create an instance of the Payment Element using checkout.createPaymentElement and mount it by calling element.mount, providing either a CSS selector or the container DOM element.

index.html
<div id="payment-element"></div>
checkout.js
const paymentElement = checkout.createPaymentElement(); paymentElement.mount('#payment-element');

See the Stripe.js docs to view the supported options.

You can customize the appearance of all Elements by passing elementsOptions.appearance when initializing Checkout on the front end.

Submit the payment
Client-side

Render a Pay button that calls confirm from the checkout instance to submit the payment.

index.html
<button id="pay-button">Pay</button> <div id="confirm-errors"></div>
checkout.js
stripe.initCheckout({fetchClientSecret}).then((checkout) => { const button = document.getElementById('pay-button'); const errors = document.getElementById('confirm-errors'); button.addEventListener('click', () => { // Clear any validation errors errors.textContent = ''; checkout.confirm().then((result) => { if (result.type === 'error') { errors.textContent = result.error.message; } }); }); });

Listen for webhooks
Server

To complete the integration, you need to process webhooks sent by Stripe. These are events triggered whenever state inside of Stripe changes, such as subscriptions creating new invoices. In your application, set up an HTTP handler to accept a POST request containing the webhook event, and verify the signature of the event:

server.rb
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# Set your secret key. Remember to switch to your live secret key in production. # See your keys here: https://dashboard.stripe.com/apikeys Stripe.api_key =
'sk_test_BQokikJOvBiI2HlWgH4olfQ2'
post '/webhook' do # You can use webhooks to receive information about asynchronous payment events. # For more about our webhook events check out https://stripe.com/docs/webhooks. webhook_secret = ENV['STRIPE_WEBHOOK_SECRET'] payload = request.body.read if !webhook_secret.empty?

During development, use the Stripe CLI to observe webhooks and forward them to your application. Run the following in a new terminal while your development app is running:

Command Line
stripe listen --forward-to localhost:4242/webhook

For production, set up a webhook endpoint URL in the Dashboard, or use the Webhook Endpoints API.

You need to listen to a few events to complete the remaining steps in this guide. See Subscription events for more details about subscription-specific webhooks.

Provision access to your service
Client and Server

Now that the subscription is active, give your user access to your service. To do this, listen to the customer.subscription.created, customer.subscription.updated, and customer.subscription.deleted events. These events pass a subscription object that contains a status field indicating whether the subscription is active, past due, or canceled. See the subscription lifecycle for a complete list of statuses.

In your webhook handler:

  1. Verify the subscription status. If it’s active then your user has paid for your product.
  2. Check the product the customer subscribed to and grant access to your service. Checking the product instead of the price gives you more flexibility if you need to change the pricing or billing interval.
  3. Store the product.id, subscription.id and subscription.status in your database along with the customer.id you already saved. Check this record when determining which features to enable for the user in your application.

The state of a subscription might change at any point during its lifetime, even if your application doesn’t directly make any calls to Stripe. For example, a renewal might fail because of an expired credit card, which puts the subscription into a past due state. Or, if you implement the customer portal, a user might cancel their subscription without directly visiting your application. Implementing your handler correctly keeps your application state in sync with Stripe.

Cancel the subscription
Client and Server

It’s common to allow customers to cancel their subscriptions. This example adds a cancellation option to the account settings page.

Sample subscription cancelation interface.

Account settings with the ability to cancel the subscription

script.js
function cancelSubscription(subscriptionId) { return fetch('/cancel-subscription', { method: 'post', headers: { 'Content-Type': 'application/json', }, body: JSON.stringify({ subscriptionId: subscriptionId, }), }) .then(response => { return response.json(); }) .then(cancelSubscriptionResponse => { // Display to the user that the subscription has been canceled. }); }

On the back end, define the endpoint for your front end to call.

server.rb
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# Set your secret key. Remember to switch to your live secret key in production. # See your keys here: https://dashboard.stripe.com/apikeys Stripe.api_key =
'sk_test_BQokikJOvBiI2HlWgH4olfQ2'
post '/cancel-subscription' do content_type 'application/json' data = JSON.parse request.body.read deleted_subscription = Stripe::Subscription.cancel(data['subscriptionId']) deleted_subscription.to_json end

Your application receives a customer.subscription.deleted event.

After the subscription cancels, update your database to remove the Stripe subscription ID you previously stored, and limit access to your service.

When a subscription cancels, you can’t reactivate it. Instead, collect updated billing information from your customer, update their default payment method, and create a new subscription with their existing customer record.

Test your integration

Test payment methods

Use the following table to test different payment methods and scenarios.

Payment methodScenarioHow to test
BECS Direct DebitYour customer successfully pays with BECS Direct Debit.Fill out the form using the account number 900123456 and BSB 000-000. The confirmed PaymentIntent initially transitions to processing, then transitions to the succeeded status three minutes later.
BECS Direct DebitYour customer’s payment fails with an account_closed error code.Fill out the form using the account number 111111113 and BSB 000-000.
Credit cardThe card payment succeeds and doesn’t require authentication.Fill out the credit card form using the credit card number 4242 4242 4242 4242 with any expiration, CVC, and postal code.
Credit cardThe card payment requires authentication.Fill out the credit card form using the credit card number 4000 0025 0000 3155 with any expiration, CVC, and postal code.
Credit cardThe card is declined with a decline code like insufficient_funds.Fill out the credit card form using the credit card number 4000 0000 0000 9995 with any expiration, CVC, and postal code.
SEPA Direct DebitYour customer successfully pays with SEPA Direct Debit.Fill out the form using the account number AT321904300235473204. The confirmed PaymentIntent initially transitions to processing, then transitions to the succeeded status three minutes later.
SEPA Direct DebitYour customer’s PaymentIntent status transitions from processing to requires_payment_method.Fill out the form using the account number AT861904300235473202.

Monitor events

Set up webhooks to listen to subscription change events, such as upgrades and cancellations. Learn more about subscription webhooks. You can view events in the Dashboard or with the Stripe CLI.

For more details, see testing your Billing integration.

OptionalLet customers change their plans
Client and Server

OptionalPreview a price change
Client and Server

OptionalDisplay the customer payment method
Client and Server

Disclose Stripe to your customers

Stripe collects information on customer interactions with Elements to provide services to you, prevent fraud, and improve its services. This includes using cookies and IP addresses to identify which Elements a customer saw during a single checkout session. You’re responsible for disclosing and obtaining all rights and consents necessary for Stripe to use data in these ways. For more information, visit our privacy center.

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