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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 caseUse Managed Payments
Use Payment Links
Use a pre-built checkout page
Build a custom integration with Elements
    Overview
    Compare Checkout Sessions and PaymentIntents
    Quickstart guides
    Design an advanced integration
    Customise look and feel
    Manage payment methods
    Collect additional information
    Build a subscriptions integration
    Dynamic updates
    Add discounts
    Collect taxes on your payments
    Let customers pay in their local currency
    Save and retrieve customer payment methods
    Send receipts and paid invoices
    Manually approve payments on your server
    Authorise and capture a payment separately
    Elements with Checkout Sessions API beta changelog
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HomePaymentsBuild a custom integration with Elements

Build a subscriptions integration with Elements

Create and manage subscriptions to accept recurring payments with Elements.

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

Resource Definition
CustomerRepresents a customer who purchases a subscription. Use the Customer object associated with a subscription to make and track recurring charges and to manage the products that they subscribe to.
EntitlementRepresents a customer’s access to a feature included in a service product that they subscribe to. When you create a subscription for a customer’s recurring purchase of a product, an active entitlement is automatically created for each feature associated with that product. When a customer accesses your services, use their active entitlements to enable the features included in their subscription.
FeatureRepresents a function or ability that your customers can access when they subscribe to a service product. You can include features in a product by creating ProductFeatures.
InvoiceA statement of amounts a customer owes that tracks payment statuses from draft through paid or otherwise finalized. Subscriptions automatically generate invoices.
PaymentIntentA way to build dynamic payment flows. A PaymentIntent tracks the lifecycle of a customer checkout flow and triggers additional authentication steps when required by regulatory mandates, custom Radar fraud rules, or redirect-based payment methods. Invoices automatically create PaymentIntents.
PaymentMethodA customer’s payment methods that they use to pay for your products. For example, you can store a credit card on a Customer object and use it to make recurring payments for that customer. Typically used with the Payment Intents or Setup Intents APIs.
PriceDefines the unit price, currency, and billing cycle for a product.
ProductA good or service that your business sells. A service product can include one or more features.
ProductFeatureRepresents a single feature’s inclusion in a single product. Each product is associated with a ProductFeature for each feature that it includes, and each feature is associated with a ProductFeature for each product that includes it.
SubscriptionRepresents a customer’s scheduled recurring purchase of a product. Use a subscription to collect payments and provide repeated delivery of or continuous access to a product.

Here’s an example of how products, features, and entitlements work together. Imagine that you want to set up a recurring service that offers two tiers: a standard product with basic functionality, and an advanced product that adds extended functionality.

  1. You create two features: basic_features and extended_features.
  2. You create two products: standard_product and advanced_product.
  3. For the standard product, you create one ProductFeature that associates basic_features with standard_product.
  4. For the advanced product, you create two ProductFeatures: one that associates basic_features with advanced_product and one that associates extended_features with advanced_product.

A customer, first_customer, subscribes to the standard product. When you create the subscription, Stripe automatically creates an Entitlement that associates first_customer with basic_features.

Another customer, second_customer, subscribes to the advanced product. When you create the Subscription, Stripe automatically creates two Entitlements: one that associates second_customer with basic_features, and one that associates second_customer with extended_features.

You can determine which features to provision for a customer by retrieving their active entitlements or listening to the Active Entitlement Summary event. You don’t have to retrieve their subscriptions, products, and features.

Set up Stripe

Install the Stripe client of your choice:

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# Available as a gem sudo gem install stripe
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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.

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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
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curl https://api.stripe.com/v1/customers \ -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
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\ -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 = '2025-08-27.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 events are triggered whenever the status in 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:

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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:

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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 period.
  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 status 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 status. 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 status 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.

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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 000000. 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 000000.
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

To let your customers change their subscription, collect the price ID of the option they want to change to. Then send the new price ID from the front end to a back-end endpoint. This example also passes the subscription ID, but you can retrieve it from your database for your logged in user.

script.js
function updateSubscription(priceId, subscriptionId) { return fetch('/update-subscription', { method: 'post', headers: { 'Content-type': 'application/json', }, body: JSON.stringify({ subscriptionId: subscriptionId, newPriceId: priceId, }), }) .then(response => { return response.json(); }) .then(response => { return response; }); }

On the backend, define the endpoint for your frontend to call, passing the subscription ID and the new price ID. The subscription is now Premium, at 15 USD per month, instead of Basic at 5 USD per month.

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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 '/update-subscription' do content_type 'application/json' data = JSON.parse request.body.read subscription = Stripe::Subscription.retrieve(data['subscriptionId']) updated_subscription = Stripe::Subscription.update( data['subscriptionId'], cancel_at_period_end: false, items: [ { id: subscription.items.data[0].id, price: 'price_H1NlVtpo6ubk0m' } ] ) updated_subscription.to_json end

Your application receives a customer.subscription.updated event.

OptionalPreview a price change
Client and Server

When your customer changes their subscription, there’s often an adjustment to the amount they owe, known as a proration. You can use the create preview invoice endpoint to display the adjusted amount to your customers.

On the front end, pass the create preview invoice details to a back-end endpoint.

script.js
function createPreviewInvoice( customerId, subscriptionId, newPriceId, trialEndDate ) { return fetch('/create-preview-invoice', { method: 'post', headers: { 'Content-type': 'application/json', }, body: JSON.stringify({ customerId: customerId, subscriptionId: subscriptionId, newPriceId: newPriceId, }), }) .then(response => { return response.json(); }) .then((invoice) => { return invoice; }); }

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

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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 '/create-preview-invoice' do content_type 'application/json' data = JSON.parse request.body.read subscription = Stripe::Subscription.retrieve(data['subscriptionId']) invoice = Stripe::Invoice.create_preview( customer: data['customerId'], subscription: data['subscriptionId'], subscription_details: { items: [ { id: subscription.items.data[0].id, deleted: true }, { price: ENV[data['newPriceId']], deleted: false } ] } ) invoice.to_json end

OptionalDisplay the customer payment method
Client and Server

Displaying the brand and last four digits of your customer’s card can help them know which card is being charged, or if they need to update their payment method.

On the front end, send the payment method ID to a back-end endpoint that retrieves the payment method details.

script.js
function retrieveCustomerPaymentMethod(paymentMethodId) { return fetch('/retrieve-customer-payment-method', { method: 'post', headers: { 'Content-type': 'application/json', }, body: JSON.stringify({ paymentMethodId: paymentMethodId, }), }) .then((response) => { return response.json(); }) .then((response) => { return response; }); }

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

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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 '/retrieve-customer-payment-method' do content_type 'application/json' data = JSON.parse request.body.read payment_method = Stripe::PaymentMethod.retrieve(data['paymentMethodId']) payment_method.to_json end

Example response:

{ "id": "pm_1GcbHY2eZvKYlo2CoqlVxo42", "object": "payment_method", "billing_details": { "address": { "city": null, "country": null, "line1": null, "line2": null, "postal_code": null,

Note

We recommend that you save the paymentMethod.id and last4 in your database, for example, paymentMethod.id as stripeCustomerPaymentMethodId in your users collection or table. You can optionally store exp_month, exp_year, fingerprint, billing_details as needed. This is to limit the number of calls you make to Stripe, for performance efficiency and to avoid possible rate limiting.

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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