# Accept a payment with Kriya

Learn how to set up your integration with Kriya.

# Checkout

> This is a Checkout for when payment-ui is checkout. View the full page at https://docs.stripe.com/payments/kriya/accept-a-payment?payment-ui=checkout.

> Stripe automatically presents your customers payment method options by evaluating their currency, payment method restrictions, and other parameters. We recommend that you configure your payment methods from the Stripe Dashboard using the instructions in [Accept a payment](https://docs.stripe.com/payments/accept-a-payment.md?payment-ui=checkout&ui=stripe-hosted).
> 
> If you want to continue manually configuring the payment methods you present to your customers with Checkout, use this guide. Otherwise, update your integration to [configure payment methods in the Dashboard](https://docs.stripe.com/payments/dashboard-payment-methods.md).

Kriya is a [single-use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method that provides flexible payment terms for businesses to buy what they need now and pay for it later.

## Determine compatibility

**Supported business locations**: UK

**Supported currencies**: `gbp`

**Presentment currencies**: `gbp`

**Payment mode**: Yes

**Setup mode**: No

**Subscription mode**: No

To support Kriya payments, a Checkout Session must satisfy all of the following conditions:

- *Prices* (Prices define how much and how often to charge for products. This includes how much the product costs, what currency to use, and the interval if the price is for subscriptions) for all line items must be in the same currency.
- If you have line items in different currencies, create separate Checkout Sessions for each currency.

## Accept a payment

> Build an integration to [accept a payment](https://docs.stripe.com/payments/accept-a-payment.md?integration=checkout) with Checkout before using this guide.

This guide describes how to enable Kriya and shows the differences between accepting a card payment and using Kriya.

### Enable Kriya as a payment method

When creating a new [Checkout Session](https://docs.stripe.com/api/checkout/sessions.md), you need to:

1. Add `kriya` to the list of `payment_method_types`.
1. Make sure all `line_items` use the same currency.

#### Ruby

```ruby
Stripe::Checkout::Session.create({
  mode: 'payment',payment_method_types: ['card', 'kriya'],
  line_items: [{
    price_data: {# To accept `kriya`, all line items must have currency:gbpcurrency: 'gbp',
      product_data: {
        name: 'T-shirt'
      },
      unit_amount: 1000
    },
    quantity: 1
  }],
  success_url: 'https://example.com/success'
})
```

### Fulfill your orders

After accepting a payment, learn how to [fulfill orders](https://docs.stripe.com/checkout/fulfillment.md).

## Test your integration

When testing your Checkout integration, select Kriya as the payment method and click the **Pay** button.
![](https://b.stripecdn.com/docs-statics-srv/assets/merchant_checkout_kriya_visible.d2a7f99718fcee14666ea86c0c94af33.png)

## See also

- [More about Kriya](https://docs.stripe.com/payments/kriya.md)
- [Checkout fulfillment](https://docs.stripe.com/checkout/fulfillment.md)
- [Customizing Checkout](https://docs.stripe.com/payments/checkout/customization.md)


# Checkout Sessions API

> This is a Checkout Sessions API for when payment-ui is elements and api-integration is checkout. View the full page at https://docs.stripe.com/payments/kriya/accept-a-payment?payment-ui=elements&api-integration=checkout.

To determine which API meets your business needs, see the [comparison guide](https://docs.stripe.com/payments/checkout-sessions-and-payment-intents-comparison.md).

Use the [Payment Element](https://docs.stripe.com/payments/payment-element.md) to embed a custom Stripe payment form in your website or application and offer payment methods to customers. For advanced configurations and customizations, refer to the [Accept a Payment](https://docs.stripe.com/payments/accept-a-payment.md) integration guide.

## Determine compatibility

**Supported business locations**: UK

**Supported currencies**: `gbp`

**Presentment currencies**: `gbp`

**Payment mode**: Yes

**Setup mode**: No

**Subscription mode**: No

To support Kriya payments, a Checkout Session must satisfy all of the following conditions:

- *Prices* (Prices define how much and how often to charge for products. This includes how much the product costs, what currency to use, and the interval if the price is for subscriptions) for all line items must be in the same currency.
- If you have line items in different currencies, create separate Checkout Sessions for each currency.

## Set up the server [Server-side]

Use the official Stripe libraries to access the API from your application.

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

## Create a Checkout Session [Server-side]

Add an endpoint on your server that creates a [Checkout Session](https://docs.stripe.com/api/checkout/sessions/create.md) and returns its [client secret](https://docs.stripe.com/api/checkout/sessions/object.md#checkout_session_object-client_secret) to your front end. A Checkout Session represents your customer’s session as they pay for one-time purchases or subscriptions. Checkout Sessions expire 24 hours after creation.

We recommend using [dynamic payment methods](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md) to dynamically display the most relevant eligible payment methods to each customer to maximize conversion. You can also [manually list payment methods](https://docs.stripe.com/payments/payment-methods/integration-options.md#listing-payment-methods-manually), which disables dynamic payment methods.

#### Manage payment methods from the Dashboard

#### TypeScript

```javascript
import express, {Express} from 'express';

const app: Express = express();

app.post('/create-checkout-session', async (req: Express.Request, res: Express.Response) => {
  const session = await stripe.checkout.sessions.create({
    line_items: [
      {
        price_data: {
          currency: 'gbp',
          product_data: {
            name: 'T-shirt',
          },
          unit_amount: 1000,
        },
        quantity: 1,
      },
    ],
    mode: 'payment',
    ui_mode: 'custom',
    return_url: 'https://example.com/return?session_id={CHECKOUT_SESSION_ID}'
  });

  res.json({checkoutSessionClientSecret: session.client_secret});
});

app.listen(3000, () => {
  console.log('Running on port 3000');
});
```

#### Manually list payment methods

#### TypeScript

```javascript
import express, {Express} from 'express';

const app: Express = express();

app.post('/create-checkout-session', async (req: Express.Request, res: Express.Response) => {
  const session = await stripe.checkout.sessions.create({
    line_items: [
      {
        price_data: {
          currency: 'gbp',
          product_data: {
            name: 'T-shirt',
          },
          unit_amount: 1000,
        },
        quantity: 1,
      },
    ],
    mode: 'payment',
    ui_mode: 'custom',
    payment_method_types: ['kriya'],
    return_url: 'https://example.com/return?session_id={CHECKOUT_SESSION_ID}'
  });

  res.json({checkoutSessionClientSecret: session.client_secret});
});

app.listen(3000, () => {
  console.log('Running on port 3000');
});
```

## Set up the front end [Client-side]

#### HTML + JS

Include the Stripe.js script on your checkout page by adding it to the `head` of your HTML file. Always load Stripe.js directly from js.stripe.com to remain PCI compliant. Don’t include the script in a bundle or host a copy of it yourself.

Make sure you’re on the latest Stripe.js version by including the following script tag `<script src=“https://js.stripe.com/clover/stripe.js”></script>`. Learn more about [Stripe.js versioning](https://docs.stripe.com/sdks/stripejs-versioning.md).

```html
<head>
  <title>Checkout</title>
  <script src="https://js.stripe.com/clover/stripe.js"></script>
</head>
```

> Stripe provides an npm package that you can use to load Stripe.js as a module. See the [project on GitHub](https://github.com/stripe/stripe-js). Version [7.0.0](https://www.npmjs.com/package/%40stripe/stripe-js/v/7.0.0) or later is required.

Initialize stripe.js.

```js
// Set your publishable key: remember to change this to your live publishable key in production
// See your keys here: https://dashboard.stripe.com/apikeys
const stripe = Stripe(
  '<<YOUR_PUBLISHABLE_KEY>>',
);
```

#### React

Install [React Stripe.js](https://www.npmjs.com/package/@stripe/react-stripe-js) and the [Stripe.js loader](https://www.npmjs.com/package/@stripe/stripe-js) from the npm public registry. You need at least version 5.0.0 for React Stripe.js and version 8.0.0 for the Stripe.js loader.

```bash
npm install --save @stripe/react-stripe-js@^5.0.0 @stripe/stripe-js@^8.0.0
```

Initialize a `stripe` instance on your front end with your publishable key.

```javascript
import {loadStripe} from '@stripe/stripe-js';
const stripe = loadStripe("<<YOUR_PUBLISHABLE_KEY>>");
```

## Initialize Checkout [Client-side]

#### HTML + JS

Create either a `clientSecret` promise that resolves with the client secret or set it as the secret directly. Call [initCheckout](https://docs.stripe.com/js/custom_checkout/init), passing in `clientSecret`. `initCheckout` returns a [Checkout](https://docs.stripe.com/js/custom_checkout) instance.

The [checkout](https://docs.stripe.com/js/custom_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 [actions.getSession()](https://docs.stripe.com/js/custom_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](https://docs.stripe.com/payments/custom/localize-prices/manual-currency-prices.md) requires no UI changes if you display the `total`.

```javascript
const clientSecret = fetch('/create-checkout-session', {method: 'POST'})
  .then((response) => response.json())
  .then((json) => json.checkoutSessionClientSecret);
const checkout = stripe.initCheckout({clientSecret});
const loadActionsResult = await checkout.loadActions();
if (loadActionsResult.type === 'success') {
  const session = loadActionsResult.actions.getSession();
  const checkoutContainer = document.getElementById('checkout-container');
  checkoutContainer.append(JSON.stringify(session.lineItems, null, 2));
  checkoutContainer.append(document.createElement('br'));
  checkoutContainer.append(`Total: ${session.total.total.amount}`);
}
```

```html
<div id="checkout-container"></div>
```

#### React

Create `clientSecret` as a `Promise<string> | string` containing the client secret returned by your server.

Wrap your application with the [CheckoutProvider](https://docs.stripe.com/js/react_stripe_js/checkout/checkout_provider) component, passing in `clientSecret` and the `stripe` instance.

Use the [useCheckout](https://docs.stripe.com/js/react_stripe_js/checkout/use_checkout) hook in your components to get the [Checkout](https://docs.stripe.com/js/custom_checkout) object, which contains data from the Checkout Session and methods to update the Session.

Use the `Checkout` object as the container for your prices. We recommend reading and displaying the `total` and `lineItems` from the `Checkout` object in your UI.

This lets you enable features with minimal code changes. For example, adding [manual currency prices](https://docs.stripe.com/payments/custom/localize-prices/manual-currency-prices.md) requires no UI changes if you display the `total`.

```jsx
import React from 'react';
import {CheckoutProvider} from '@stripe/react-stripe-js/checkout';
import CheckoutForm from './CheckoutForm';

const clientSecret = fetch('/create-checkout-session', {method: 'POST'})
  .then((response) => response.json())
  .then((json) => json.checkoutSessionClientSecret);

const App = () => {
  return (
    <CheckoutProvider
      stripe={stripe}options={{clientSecret}}
    >
      <CheckoutForm />
    </CheckoutProvider>
  );
};

export default App;
```

```jsx
import React from 'react';
import {useCheckout} from '@stripe/react-stripe-js/checkout';

const CheckoutForm = () => {const checkoutState = useCheckout();
  switch (checkoutState.type) {
    case "loading": return <div>Loading ...</div>;
    case "error": return <div>Error: {checkoutState.error.message}</div>;
    case "success":
      return (
        <pre>{JSON.stringify(checkoutState.checkout.lineItems, null, 2)}
          // A formatted total amount
          Total: {checkoutState.checkout.total.total.amount}
        </pre>
      );
  }
};
```

## Collect customer email [Client-side]

#### HTML + JS

If you already pass in an existing [customer_email](https://docs.stripe.com/api/checkout/sessions/create.md#create_checkout_session-customer_email) or [Customer](https://docs.stripe.com/api/checkout/sessions/create.md#create_checkout_session-customer) with a valid email set when creating the Checkout Session, you can skip this step.

If you implement your own email validation, you can pass in the validated email on [checkout.confirm](https://docs.stripe.com/js/custom_checkout/confirm) and skip this step.

Create an email input to collect your customer’s email address. Call [updateEmail](https://docs.stripe.com/js/custom_checkout/update_email) when your customer finishes the input to validate and save the email address.

Depending on the design of your checkout form, you can call `updateEmail` in the following ways:

- Directly before [submitting the payment](https://docs.stripe.com/payments/kriya/accept-a-payment.md#submit-payment). You can also call `updateEmail` to validate earlier, such as on input blur.
- Before transitioning to the next step, such as clicking a **Save** button, if your form includes multiple steps.

```html
<input type="text" id="email" />
<div id="email-errors"></div>
```

```javascript
const checkout = stripe.initCheckout({clientSecret});
const loadActionsResult = await checkout.loadActions();

if (loadActionsResult.type === 'success') {
  const {actions} = loadActionsResult;
  const emailInput = document.getElementById('email');
  const emailErrors = document.getElementById('email-errors');

  emailInput.addEventListener('input', () => {
    // Clear any validation errors
    emailErrors.textContent = '';
  });

  emailInput.addEventListener('blur', () => {
    const newEmail = emailInput.value;actions.updateEmail(newEmail).then((result) => {
      if (result.error) {
        emailErrors.textContent = result.error.message;
      }
    });
  });
}
```

#### React

If you already pass in an existing [customer_email](https://docs.stripe.com/api/checkout/sessions/create.md#create_checkout_session-customer_email) or [Customer](https://docs.stripe.com/api/checkout/sessions/create.md#create_checkout_session-customer) with a valid email set when creating the Checkout Session, you can skip this step.

If you implement your own email validation, you can pass in the validated email on [confirm](https://docs.stripe.com/js/react_stripe_js/checkout/confirm) and skip this step.

Create a component to collect your customer’s email address. Call [updateEmail](https://docs.stripe.com/js/react_stripe_js/checkout/update_email) when your customer finishes the input to validate and save the email address.

Depending on the design of your checkout form, you can call `updateEmail` in the following ways:

- Directly before [submitting the payment](https://docs.stripe.com/payments/kriya/accept-a-payment.md#submit-payment). You can also call `updateEmail` to validate earlier, such as on input blur.
- Before transitioning to the next step, such as clicking a **Save** button, if your form includes multiple steps.

```jsx
import React from 'react';
import {useCheckout} from '@stripe/react-stripe-js/checkout';

const EmailInput = () => {
  const checkoutState = useCheckout();
  const [email, setEmail] = React.useState('');
  const [error, setError] = React.useState(null);
  
  if (checkoutState.type === 'loading') {
    return (
      <div>Loading...</div>
    );
  } else if (checkoutState.type === 'error') {
    return (
      <div>Error: {checkoutState.error.message}</div>
    );
  }

  const handleBlur = () => {checkoutState.checkout.updateEmail(email).then((result) => {
      if (result.type === 'error') {
        setError(result.error);
      }
    })
  };

  const handleChange = (e) => {
    setError(null);
    setEmail(e.target.value);
  };
  
  return (
    <div>
      <label htmlFor="checkout-form-email">Email</label>
      <input
        id="checkout-form-email"
        type="email"
        value={email}
        onChange={handleChange}
        onBlur={handleBlur}
      />
      {error && <div>{error.message}</div>}
    </div>
  );
};

export default EmailInput;
```

## Collect payment details [Client-side]

Collect payment details on the client with the [Payment Element](https://docs.stripe.com/payments/payment-element.md). The Payment Element is a prebuilt UI component that simplifies collecting payment details for a variety of payment methods.

#### HTML + JS

First, create a container DOM element to mount the [Payment Element](https://docs.stripe.com/payments/payment-element.md). Then create an instance of the `Payment Element` using [checkout.createPaymentElement](https://docs.stripe.com/js/custom_checkout/create_payment_element) and mount it by calling [element.mount](https://docs.stripe.com/js/element/mount), providing either a CSS selector or the container DOM element.

```html
<div id="payment-element"></div>
```

```javascript
const paymentElement = checkout.createPaymentElement();
paymentElement.mount('#payment-element');
```

See the [Stripe.js docs](https://docs.stripe.com/js/custom_checkout/create_payment_element#custom_checkout_create_payment_element-options) to view the supported options.

You can [customize the appearance](https://docs.stripe.com/payments/checkout/customization/appearance.md) of all Elements by passing [elementsOptions.appearance](https://docs.stripe.com/js/custom_checkout/init#custom_checkout_init-options-elementsOptions-appearance) when initializing Checkout on the front end.

#### React

Mount the [Payment Element](https://docs.stripe.com/payments/payment-element.md) component within the [CheckoutProvider](https://docs.stripe.com/js/react_stripe_js/checkout/checkout_provider).

```jsx
import React from 'react';
import {PaymentElement, useCheckout} from '@stripe/react-stripe-js/checkout';

const CheckoutForm = () => {
  const checkoutState = useCheckout();
  return (
    <form>
      <PaymentElement options={{layout: 'accordion'}}/>
    </form>
  )
};

export default CheckoutForm;
```

See the [Stripe.js docs](https://docs.stripe.com/js/custom_checkout/create_payment_element#custom_checkout_create_payment_element-options) to view the supported options.

You can [customize the appearance](https://docs.stripe.com/payments/checkout/customization/appearance.md) of all Elements by passing [elementsOptions.appearance](https://docs.stripe.com/js/react_stripe_js/checkout/checkout_provider#react_checkout_provider-options-elementsOptions-appearance) to the [CheckoutProvider](https://docs.stripe.com/js/react_stripe_js/checkout/checkout_provider).

## Submit the payment [Client-side]

#### HTML + JS

Render a **Pay** button that calls [confirm](https://docs.stripe.com/js/custom_checkout/confirm) from the `Checkout` instance to submit the payment.

```html
<button id="pay-button">Pay</button>
<div id="confirm-errors"></div>
```

```js
const checkout = stripe.initCheckout({clientSecret});

checkout.on('change', (session) => {
  document.getElementById('pay-button').disabled = !session.canConfirm;
});

const loadActionsResult = await checkout.loadActions();

if (loadActionsResult.type === 'success') {
  const {actions} = loadActionsResult;
  const button = document.getElementById('pay-button');
  const errors = document.getElementById('confirm-errors');
  button.addEventListener('click', () => {
    // Clear any validation errors
    errors.textContent = '';

    actions.confirm().then((result) => {
      if (result.type === 'error') {
        errors.textContent = result.error.message;
      }
    });
  });
}
```

#### React

Render a **Pay** button that calls [confirm](https://docs.stripe.com/js/custom_checkout/confirm) from [useCheckout](https://docs.stripe.com/js/react_stripe_js/checkout/use_checkout) to submit the payment.

```jsx
import React from 'react';
import {useCheckout} from '@stripe/react-stripe-js/checkout';

const PayButton = () => {
  const checkoutState = useCheckout();
  const [loading, setLoading] = React.useState(false);
  const [error, setError] = React.useState(null);

  const handleClick = () => {
    setLoading(true);
    checkoutState.checkout.confirm().then((result) => {
      if (result.type === 'error') {
        setError(result.error)
      }
      setLoading(false);
    })
  };

  return (
    <div>
      <button disabled={!checkoutState.checkout.canConfirm || loading} onClick={handleClick}>
        Pay
      </button>
      {error && <div>{error.message}</div>}
    </div>
  )
};

export default PayButton;
```

## Test your integration

To test your integration, choose the payment method and tap **Pay**. In a *sandbox* (A sandbox is an isolated test environment that allows you to test Stripe functionality in your account without affecting your live integration. Use sandboxes to safely experiment with new features and changes), this redirects you to a test payment page where you can approve or decline the payment.

In live mode, tapping **Pay** redirects you to the Kriya website—you don’t have the option to approve or decline the payment with Kriya.


# Payment Intents API

> This is a Payment Intents API for when payment-ui is elements and api-integration is paymentintents. View the full page at https://docs.stripe.com/payments/kriya/accept-a-payment?payment-ui=elements&api-integration=paymentintents.

Use the [Payment Element](https://docs.stripe.com/payments/payment-element.md) to embed a custom Stripe payment form in your website or application and offer payment methods to customers. For advanced configurations and customizations, refer to the [Accept a Payment](https://docs.stripe.com/payments/accept-a-payment.md) integration guide.

## Set up Stripe [Server-side]

To get started, [create a Stripe account](https://dashboard.stripe.com/register).

Use our official libraries for access to the Stripe API from your application:

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

## Collect payment details [Client-side]

You’re ready to 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.

The Payment Element contains an iframe that securely sends payment information to Stripe over an HTTPS connection. Avoid placing the Payment Element within another iframe because some payment methods require redirecting to another page for payment confirmation.

The checkout page address must start with `https://` rather than `http://` for your integration to work. You can test your integration without using HTTPS, but remember to [enable it](https://docs.stripe.com/security/guide.md#tls) when you’re ready to accept live payments.

#### HTML + JS

### Set up Stripe.js

The Payment Element is automatically available as a feature of Stripe.js. Include the Stripe.js script on your checkout page by adding it to the `head` of your HTML file. Always load Stripe.js directly from js.stripe.com to remain PCI compliant. Don’t include the script in a bundle or host a copy of it yourself.

```html
<head>
  <title>Checkout</title>
  <script src="https://js.stripe.com/clover/stripe.js"></script>
</head>
```

Create an instance of Stripe with the following JavaScript on your checkout page:

```javascript
// Set your publishable key: remember to change this to your live publishable key in production
// See your keys here: https://dashboard.stripe.com/apikeys
const stripe = Stripe('<<YOUR_PUBLISHABLE_KEY>>');
```

### Add the Payment Element to your checkout page

The Payment Element needs a place on your checkout page. Create an empty DOM node (container) with a unique ID in your payment form:

```html
<form id="payment-form">
  <div id="payment-element">
    <!-- Elements will create form elements here -->
  </div>
  <button id="submit">Submit</button>
  <div id="error-message">
    <!-- Display error message to your customers here -->
  </div>
</form>
```

#### Control payment methods from the Dashboard

After the form above loads, create an Elements instance with a `mode`, `amount`, and `currency`. These values determine which payment methods your customer sees. To provide a new payment method in your form, make sure you enable it in the [Dashboard](https://dashboard.stripe.com/settings/payment_methods).

```javascript
const options = {mode:'payment',
  amount:1000,
  currency: 'gbp',
  // Fully customizable with appearance API.
  appearance: {/*...*/},
};

// Set up Stripe.js and Elements to use in checkout formconst elements = stripe.elements(options);

// Create and mount the Payment Element
const paymentElementOptions = { layout: 'accordion'};
const paymentElement = elements.create('payment', paymentElementOptions);
paymentElement.mount('#payment-element');
```

#### List payment methods manually

To manually list the payment methods you want to be available, add each one to `paymentMethodTypes`.

Then, create an instance of the Payment Element and mount it to the container DOM node.

```javascript
const options = {mode:'payment',
  amount:1000,
  currency: 'gbp',
  paymentMethodTypes: ['kriya'],
  // Fully customizable with appearance API.
  appearance: {/*...*/},
};

// Set up Stripe.js and Elements to use in checkout formconst elements = stripe.elements(options);

// Create and mount the Payment Element
const paymentElementOptions = { layout: 'accordion'};
const paymentElement = elements.create('payment', paymentElementOptions);
paymentElement.mount('#payment-element');
```

#### React

### Set up Stripe.js

Install [React Stripe.js](https://www.npmjs.com/package/@stripe/react-stripe-js) and the [Stripe.js loader](https://www.npmjs.com/package/@stripe/stripe-js) from the npm public registry.

```bash
npm install --save @stripe/react-stripe-js @stripe/stripe-js
```

### Add and configure the Elements provider to your checkout page

To use the Payment Element component, wrap your checkout page component in an [Elements provider](https://docs.stripe.com/sdks/stripejs-react.md#elements-provider). Call `loadStripe` with your publishable key, and pass the returned `Promise` to the `Elements` provider.

#### Control payment methods from the Dashboard

The `Elements` provider also accepts a `mode`, `amount`, and `currency`. These values determine which payment methods your customer sees. To provide a new payment method in your form, make sure you enable it in the [Dashboard](https://dashboard.stripe.com/settings/payment_methods).

```jsx
import React from 'react';
import ReactDOM from 'react-dom';
import {Elements} from '@stripe/react-stripe-js';
import {loadStripe} from '@stripe/stripe-js';

import CheckoutForm from './CheckoutForm';

// Make sure to call `loadStripe` outside of a component’s render to avoid
// recreating the `Stripe` object on every render.
const stripePromise = loadStripe('<<YOUR_PUBLISHABLE_KEY>>');

function App() {
  const options = {mode:'payment',
    amount:1000,
    currency: 'gbp',
    // Fully customizable with appearance API.
    appearance: {/*...*/},
  };

  return (
    <Elements stripe={stripePromise} options={options}>
      <CheckoutForm />
    </Elements>
  );
};

ReactDOM.render(<App />, document.getElementById('root'));
```

#### List payment methods manually

```jsx
import React from 'react';
import ReactDOM from 'react-dom';
import {Elements} from '@stripe/react-stripe-js';
import {loadStripe} from '@stripe/stripe-js';

import CheckoutForm from './CheckoutForm';

// Make sure to call `loadStripe` outside of a component’s render to avoid
// recreating the `Stripe` object on every render.
const stripePromise = loadStripe('<<YOUR_PUBLISHABLE_KEY>>');

function App() {
  const options = {mode:'payment',
    amount:1000,
    currency: 'gbp',
    paymentMethodTypes: ['kriya'],
    // Fully customizable with appearance API.
    appearance: {/*...*/},
  };

  return (
    <Elements stripe={stripePromise} options={options}>
      <CheckoutForm />
    </Elements>
  );
};

ReactDOM.render(<App />, document.getElementById('root'));
```

### Add the Payment Element component

Use the `PaymentElement` component to build your form.

```jsx
import React from 'react';
import {PaymentElement} from '@stripe/react-stripe-js';

const CheckoutForm = () => {
  return (
    <form><PaymentElement />
      <button>Submit</button>
    </form>
  );
};

export default CheckoutForm;
```

You can customize the Payment Element to match the design of your site by passing the [appearance object](https://docs.stripe.com/elements/appearance-api.md) into `options` when creating the `Elements` provider.

### Collect addresses

By default, the Payment Element only collects the necessary billing address details. Some behavior, such as [calculating tax](https://docs.stripe.com/api/tax/calculations/create.md) or entering shipping details, requires your customer’s full address. You can:

- Use the [Address Element](https://docs.stripe.com/elements/address-element.md) to take advantage of autocomplete and localization features to collect your customer’s full address. This helps ensure the most accurate tax calculation.
- Collect address details using your own custom form.

## Create a PaymentIntent [Server-side]

> #### Run custom business logic immediately before payment confirmation
> 
> Navigate to [step 5](https://docs.stripe.com/payments/finalize-payments-on-the-server.md?platform=web&type=payment#submit-payment) in the finalize payments guide to run your custom business logic immediately before payment confirmation. Otherwise, follow the steps below for a simpler integration, which uses `stripe.confirmPayment` on the client to both confirm the payment and handle any next actions.

#### Control payment methods from the Dashboard

When the customer submits your payment form, use a *PaymentIntent* (The Payment Intents API 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) to facilitate the confirmation and payment process. Create a PaymentIntent on your server with an `amount` and `currency`. To prevent malicious customers from choosing their own prices, always decide how much to charge on the server-side (a trusted environment) and not the client.

Included on a PaymentIntent is a *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)). Return this value to your client for Stripe.js to use to securely complete the payment process.

#### Ruby

```ruby
require 'stripe'
Stripe.api_key = '<<YOUR_SECRET_KEY>>'

post '/create-intent' do
  intent = Stripe::PaymentIntent.create({
    # To allow saving and retrieving payment methods, provide the Customer ID.
    customer: customer.id,
    amount: 1000,
    currency: 'gbp',
  })
  {client_secret: intent.client_secret}.to_json
end
```

#### List payment methods manually

When the customer submits your payment form, use a *PaymentIntent* (The Payment Intents API 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) to facilitate the confirmation and payment process. Create a PaymentIntent on your server with an `amount`, `currency`, and one or more payment methods using `payment_method_types`. To prevent malicious customers from choosing their own prices, always decide how much to charge on the server-side (a trusted environment) and not the client.

Included on a PaymentIntent is a *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)). Return this value to your client for Stripe.js to use to securely complete the payment process.

#### Ruby

```ruby
require 'stripe'
Stripe.api_key = '<<YOUR_SECRET_KEY>>'

post '/create-intent' do
  intent = Stripe::PaymentIntent.create({
    # To allow saving and retrieving payment methods, provide the Customer ID.
    customer: customer.id,
    amount: 1000,
    currency: 'gbp',
    payment_method_types: ['kriya'],
  })
  {client_secret: intent.client_secret}.to_json
end
```

## Submit the payment to Stripe [Client-side]

Use [stripe.confirmPayment](https://docs.stripe.com/js/payment_intents/confirm_payment) to complete the payment using details from the Payment Element.

Provide a [return_url](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-return_url) to this function to indicate where Stripe redirects the user after they complete the payment. Your user might be initially redirected to an intermediate site, such as a bank authorization page, before being redirected to the `return_url`. Card payments immediately redirect to the `return_url` when a payment is successful.

If you don’t want to redirect for card payments after payment completion, you can set [redirect](https://docs.stripe.com/js/payment_intents/confirm_payment#confirm_payment_intent-options-redirect) to `if_required`. This only redirects customers that check out with redirect-based payment methods.

#### HTML + JS

```javascript

const form = document.getElementById('payment-form');
const submitBtn = document.getElementById('submit');

const handleError = (error) => {
  const messageContainer = document.querySelector('#error-message');
  messageContainer.textContent = error.message;
  submitBtn.disabled = false;
}

form.addEventListener('submit', async (event) => {
  // We don't want to let default form submission happen here,
  // which would refresh the page.
  event.preventDefault();

  // Prevent multiple form submissions
  if (submitBtn.disabled) {
    return;
  }

  // Disable form submission while loading
  submitBtn.disabled = true;

  // Trigger form validation and wallet collection
  const {error: submitError} = await elements.submit();
  if (submitError) {
    handleError(submitError);
    return;
  }

  // Create the PaymentIntent and obtain clientSecret
  const res = await fetch("/create-intent", {
    method: "POST",
  });

  const {client_secret: clientSecret} = await res.json();

  // Confirm the PaymentIntent using the details collected by the Payment Element
  const {error} = await stripe.confirmPayment({
    elements,
    clientSecret,
    confirmParams: {
      return_url: 'https://example.com/order/123/complete',
    },
  });

  if (error) {
    // This point is only reached if there's an immediate error when
    // confirming the payment. Show the error to your customer (for example, payment details incomplete)
    handleError(error);
  } else {
    // Your customer is redirected to your `return_url`. For some payment
    // methods like iDEAL, your customer is redirected to an intermediate
    // site first to authorize the payment, then redirected to the `return_url`.
  }
});

```

#### React

```jsx
import React, {useState} from 'react';
import {useStripe, useElements, PaymentElement} from '@stripe/react-stripe-js';

export default function CheckoutForm() {
  const stripe = useStripe();
  const elements = useElements();

  const [errorMessage, setErrorMessage] = useState();
  const [loading, setLoading] = useState(false);

  const handleError = (error) => {
    setLoading(false);
    setErrorMessage(error.message);
  }

  const handleSubmit = async (event) => {
    // We don't want to let default form submission happen here,
    // which would refresh the page.
    event.preventDefault();

    if (!stripe) {
      // Stripe.js hasn't yet loaded.
      // Make sure to disable form submission until Stripe.js has loaded.
      return;
    }

    setLoading(true);

    // Trigger form validation and wallet collection
    const {error: submitError} = await elements.submit();
    if (submitError) {
      handleError(submitError);
      return;
    }

    // Create the PaymentIntent and obtain clientSecret
    const res = await fetch("/create-intent", {
      method: "POST",
    });

    const {client_secret: clientSecret} = await res.json();

    // Confirm the PaymentIntent using the details collected by the Payment Element
    const {error} = await stripe.confirmPayment({
      elements,
      clientSecret,
      confirmParams: {
        return_url: 'https://example.com/order/123/complete',
      },
    });

    if (error) {
      // This point is only reached if there's an immediate error when
      // confirming the payment. Show the error to your customer (for example, payment details incomplete)
      handleError(error);
    } else {
      // Your customer is redirected to your `return_url`. For some payment
      // methods like iDEAL, your customer is redirected to an intermediate
      // site first to authorize the payment, then redirected to the `return_url`.
    }
  };

  return (
    <form onSubmit={handleSubmit}>
      <PaymentElement />
      <button type="submit" disabled={!stripe || loading}>
        Submit Payment
      </button>
      {errorMessage && <div>{errorMessage}</div>}
    </form>
  );
}
```

## Optional: Handle post-payment events

Stripe sends a [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) event when the payment completes. Use the Dashboard, a custom *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests), or a partner solution to receive these events and run actions, like sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow.

Listen for these events rather than waiting on a callback from the client. On the client, the customer could close the browser window or quit the app before the callback executes, and malicious clients could manipulate the response. Setting up your integration to listen for asynchronous events also helps you accept more payment methods in the future. Learn about the [differences between all supported payment methods](https://stripe.com/payments/payment-methods-guide).

- **Handle events manually in the Dashboard**

  Use the Dashboard to [View your test payments in the Dashboard](https://dashboard.stripe.com/test/payments), send email receipts, handle payouts, or retry failed payments.

- **Build a custom webhook**

  [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook) handler to listen for events and build custom asynchronous payment flows. Test and debug your webhook integration locally with the Stripe CLI.

- **Integrate a prebuilt app**

  Handle common business events, such as [automation](https://stripe.partners/?f_category=automation) or [marketing and sales](https://stripe.partners/?f_category=marketing-and-sales), by integrating a partner application.

## Optional: Separate authorization and capture

You can separate authorization and capture to create a charge now, but capture funds later. Stripe cancels the PaymentIntent and sends a [payment_intent.canceled](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.canceled) event if the payment isn’t captured during the 7-day window.

If you’re certain you can’t capture the payment, we recommend [canceling the PaymentIntent](https://docs.stripe.com/refunds.md#cancel-payment) instead of waiting for the 7-day window to elapse.

### 1. Tell Stripe to authorize only

To indicate that you want separate authorization and capture, set [capture_method](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-capture_method) to `manual` when creating the PaymentIntent. This parameter instructs Stripe to only authorize the amount on the customer’s Kriya account.

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1000 \
  -d confirm=true \
  -d currency=gbp \
  -d "payment_method_types[]"=kriya \
  -d "payment_method_data[type]"=kriya \
  -d capture_method=manual \
  --data-urlencode return_url="https://www.example.com/checkout/done"
```

### 2. Capture the funds

After the authorization succeeds, the [PaymentIntent status](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-status) transitions to `requires_capture`. To capture the authorized funds, make a PaymentIntent [capture](https://docs.stripe.com/api/payment_intents/capture.md) request.

```curl
curl -X POST https://api.stripe.com/v1/payment_intents/{PAYMENT_INTENT_ID}/capture \
  -u "<<YOUR_SECRET_KEY>>:"
```

Stripe captures the total authorized amount by default. You can also specify `amount_to_capture` to be less than or equal to the total.

### (Optional) Cancel the authorization

If you need to cancel an authorization, you can [cancel the PaymentIntent](https://docs.stripe.com/api/payment_intents/cancel.md).

## Test your integration

To test your integration, choose the payment method and tap **Pay**. In a *sandbox* (A sandbox is an isolated test environment that allows you to test Stripe functionality in your account without affecting your live integration. Use sandboxes to safely experiment with new features and changes), this redirects you to a test payment page where you can approve or decline the payment.

In live mode, tapping **Pay** redirects you to the Kriya website—you don’t have the option to approve or decline the payment with Kriya.

## Error codes 

The following table details common error codes and recommended actions:

| Error code                                                | Recommended action                                                                                                                                                                                                                                                                                                                                                |
| --------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `payment_intent_invalid_currency`                         | Enter a supported currency.                                                                                                                                                                                                                                                                                                                                       |
| `missing_required_parameter`                              | Check the error message for more information about the required parameter.                                                                                                                                                                                                                                                                                        |
| `payment_intent_payment_attempt_failed`                   | This code can appear in the [last_payment_error.code](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-last_payment_error-code) field of a PaymentIntent. Check the error message for a detailed failure reason and suggestion on error handling.                                                                                      |
| `payment_intent_authentication_failure`                   | This code can appear in the [last_payment_error.code](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-last_payment_error-code) field of a PaymentIntent. Check the error message for a detailed failure reason and suggestion on error handling. This error occurs when you manually trigger a failure when testing your integration. |
| `payment_intent_redirect_confirmation_without_return_url` | Provide a `return_url` when confirming a PaymentIntent.                                                                                                                                                                                                                                                                                                           |


# Direct API

> This is a Direct API for when payment-ui is direct-api. View the full page at https://docs.stripe.com/payments/kriya/accept-a-payment?payment-ui=direct-api.

Kriya is a [single-use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method that provides flexible payment terms for businesses to buy what they need now and pay for it later.

## Set up Stripe [Server-side]

To get started, [create a Stripe account](https://dashboard.stripe.com/register).

Use our official libraries for access to the Stripe API from your application:

#### Ruby

```bash
# Available as a gem
sudo gem install stripe
```

```ruby
# If you use bundler, you can add this line to your Gemfile
gem 'stripe'
```

## Create a PaymentIntent [Server-side]

A [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) is an object that represents your intent to collect payment from your customer and tracks the lifecycle of the payment process. Create a `PaymentIntent` on your server and specify the amount to collect and a supported currency. If you have an existing [Payment Intents](https://docs.stripe.com/payments/payment-intents.md) integration, add `kriya` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types).

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "payment_method_types[]"=kriya \
  -d amount=1000 \
  -d currency=gbp
```

The `PaymentIntent` includes a *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)). Send the client secret to your client to securely complete the payment process instead of passing the entire `PaymentIntent` object.

### Retrieve the client secret

The PaymentIntent includes a *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)) that the client side uses to securely complete the payment process. You can use different approaches to pass the client secret to the client side.

#### Single-page application

Retrieve the client secret from an endpoint on your server, using the browser’s `fetch` function. This approach is best if your client side is a single-page application, particularly one built with a modern frontend framework like React. Create the server endpoint that serves the client secret:

#### Ruby

```ruby
get '/secret' do
  intent = # ... Create or retrieve the PaymentIntent
  {client_secret: intent.client_secret}.to_json
end
```

And then fetch the client secret with JavaScript on the client side:

```javascript
(async () => {
  const response = await fetch('/secret');
  const {client_secret: clientSecret} = await response.json();
  // Render the form using the clientSecret
})();
```

#### Server-side rendering

Pass the client secret to the client from your server. This approach works best if your application generates static content on the server before sending it to the browser.

Add the [client_secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) in your checkout form. In your server-side code, retrieve the client secret from the PaymentIntent:

#### Ruby

```erb
<form id="payment-form" data-secret="<%= @intent.client_secret %>">
  <button id="submit">Submit</button>
</form>
```

```ruby
get '/checkout' do
  @intent = # ... Fetch or create the PaymentIntent
  erb :checkout
end
```

## Redirect to Kriya [Client-side]

When a customer clicks to pay with Kriya, use Stripe.js to submit the payment to Stripe. [Stripe.js](https://docs.stripe.com/payments/elements.md) is the foundational JavaScript library for building payment flows. It automatically handles complexities like the redirect described below, and enables you to extend your integration to other payment methods. Include the Stripe.js script on your checkout page by adding it to the `head` of your HTML file.

```html
<head>
  <title>Checkout</title>
  <script src="https://js.stripe.com/clover/stripe.js"></script>
</head>
```

Create an instance of Stripe.js with the following JavaScript on your checkout page.

```javascript
// Set your publishable key. Remember to change this to your live publishable key in production!
// See your keys here: https://dashboard.stripe.com/apikeys
const stripe = Stripe('<<YOUR_PUBLISHABLE_KEY>>');
```

Use the [client secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) of the `PaymentIntent` and call `stripe.confirmPayment` to handle the Kriya redirect. Add a `return_url` to determine where Stripe redirects the customer after they complete the payment.

```javascript
const form = document.getElementById('payment-form');

form.addEventListener('submit', async function(event) {
  event.preventDefault();

  // Set the clientSecret of the PaymentIntent
  const { error } = await stripe.confirmPayment({
    clientSecret: clientSecret,
    confirmParams: {
      payment_method_data: {
        type: 'kriya',
      },
      // Return URL where the customer should be redirected after the authorization
      return_url: `${window.location.href}`,
    },
  });

  if (error) {
    // Inform the customer that there was an error.
    const errorElement = document.getElementById('error-message');
    errorElement.textContent = result.error.message;
  }
});
```

The `return_url` corresponds to a page on your website that displays the result of the payment. You can determine what to display by [verifying the status](https://docs.stripe.com/payments/payment-intents/verifying-status.md#checking-status) of the `PaymentIntent`. To verify the status, the Stripe redirect to the `return_url` includes the following URL query parameters. You can also append your own query parameters to the `return_url`. They persist throughout the redirect process.

| Parameter                      | Description                                                                                                                                   |
| ------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------- |
| `payment_intent`               | The unique identifier for the `PaymentIntent`.                                                                                                |
| `payment_intent_client_secret` | The [client secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) of the `PaymentIntent` object. |

## Optional: Handle the redirect manually [Server-side]

The best way to handle redirects is to use Stripe.js with `confirmPayment`. If you need to manually redirect your customers:

1. Provide the URL to redirect your customers to after they complete their payment.

```curl
curl https://api.stripe.com/v1/payment_intents/pi_1DRuHnHgsMRlo4MtwuIAUe6u/confirm \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d payment_method=pm_1EnPf7AfTbPYpBIFLxIc8SD9 \
  --data-urlencode return_url="https://shop.example.com/crtA6B28E1"
```

1. Confirm the `PaymentIntent` has a status of `requires_action`. The type for the `next_action` will be `redirect_to_url`.

```json
"next_action": {
  "type": "redirect_to_url",
  "redirect_to_url": {
    "url": "https://hooks.stripe.com/...",
    "return_url": "https://example.com/checkout/complete"
  }
}
```

1. Redirect the customer to the URL provided in the `next_action` property.

When the customer finishes the payment process, they’re sent to the `return_url` destination. The `payment_intent` and `payment_intent_client_secret` URL query parameters are included and you can pass through your own query parameters, as described above.

## Optional: Handle post-payment events

Stripe sends a [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) event when the payment completes. Use the Dashboard, a custom *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests), or a partner solution to receive these events and run actions, like sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow.

Listen for these events rather than waiting on a callback from the client. On the client, the customer could close the browser window or quit the app before the callback executes, and malicious clients could manipulate the response. Setting up your integration to listen for asynchronous events also helps you accept more payment methods in the future. Learn about the [differences between all supported payment methods](https://stripe.com/payments/payment-methods-guide).

- **Handle events manually in the Dashboard**

  Use the Dashboard to [View your test payments in the Dashboard](https://dashboard.stripe.com/test/payments), send email receipts, handle payouts, or retry failed payments.

- **Build a custom webhook**

  [Build a custom webhook](https://docs.stripe.com/webhooks/handling-payment-events.md#build-your-own-webhook) handler to listen for events and build custom asynchronous payment flows. Test and debug your webhook integration locally with the Stripe CLI.

- **Integrate a prebuilt app**

  Handle common business events, such as [automation](https://stripe.partners/?f_category=automation) or [marketing and sales](https://stripe.partners/?f_category=marketing-and-sales), by integrating a partner application.

You can create Kriya payments in the currencies that map to your country. The default local currency for Kriya is `gbp`.

- gbp: GB

## Error codes 

The following table details common error codes and recommended actions:

| Error code                                                | Recommended action                                                                                                                                                                                                                                                                                                                                                |
| --------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `payment_intent_invalid_currency`                         | Enter a supported currency.                                                                                                                                                                                                                                                                                                                                       |
| `missing_required_parameter`                              | Check the error message for more information about the required parameter.                                                                                                                                                                                                                                                                                        |
| `payment_intent_payment_attempt_failed`                   | This code can appear in the [last_payment_error.code](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-last_payment_error-code) field of a PaymentIntent. Check the error message for a detailed failure reason and suggestion on error handling.                                                                                      |
| `payment_intent_authentication_failure`                   | This code can appear in the [last_payment_error.code](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-last_payment_error-code) field of a PaymentIntent. Check the error message for a detailed failure reason and suggestion on error handling. This error occurs when you manually trigger a failure when testing your integration. |
| `payment_intent_redirect_confirmation_without_return_url` | Provide a `return_url` when confirming a PaymentIntent.                                                                                                                                                                                                                                                                                                           |