Fonctionnement de Managed PaymentsVersion bêta publique

Découvrez comment gérer votre entreprise à l’aide de Managed Payments.

Managed Payments permet à Stripe d’agir en votre nom en tant que marchand officiel. Cela signifie que Stripe assume pour vous la responsabilité de la conformité aux taxes indirectes (telles que les taxes sur les ventes, la TVA, la TPS), de la prévention de la fraude, de l’assistance aux transactions client et de la gestion des commandes.

Fonctionnalités

Managed Payments vous permet de :

Se développer à l’international	Vendez des produits numériques à des clients du monde entier sans avoir à enregistrer ou à exploiter des entreprises locales dans chaque pays. Stripe s’occupe des obligations en matière de taxe sur les ventes.
Taxes sur les ventes et conformité à la TVA et au TPS.	Stripe calcule, recouvre, classe et retient automatiquement les taxes pour chaque transaction Managed Payments. Stripe se charge de la taxe sur les ventes, de la TVA et du TPS au niveau mondial, y compris de la conformité après la vente. La taxe sur les ventes est établie en fonction du lieu où se trouve le client et de la classification des produits. Stripe retient le montant de la taxe pour paiement aux autorités fiscales compétentes.
Utiliser Stripe Checkout et Link.	Managed Payments est disponible pour les intégrations Stripe Checkout. Sur les pages de paiement de Managed Payments, Link facilite la transaction et garantit que les clients sont identifiés, ce qui améliore les taux de conversion et permet une prise en charge après la vente.
Accéder aux rapports de Stripe dans le Dashboard	Les rapports Stripe incluent les transactions Managed Payments. Elles apparaissent aux côtés de vos autres transactions et peuvent être filtrées par type de transaction. Accédez aux rapports détaillés à l’aide du Dashboard et de l’API.

En votre nom, Managed Payments gère :

Prévention de la fraude	Stripe utilise l’IA et la surveillance en temps réel pour gérer la fraude et ne nécessite pas d’action supplémentaire de votre part, car Stripe configure les règles et maintient les listes de blocage.
Litiges	Stripe soumet automatiquement des preuves pour répondre à la plupart des litiges grâce à Smart Disputes et à des outils internes. Vous avez toujours la possibilité de soumettre manuellement des preuves.
Service d’assistance aux commandes et aux transactions des clients.	Link permet à vos clients d’accéder à la gestion des commandes via l’application Link. Link gère également l’assistance au niveau des transactions, en vous demandant d’intervenir en cas de besoin. Vous conservez une visibilité et un contrôle complets pour le service d’assistance au niveau des produits.
E-mails liés à la transaction	Stripe envoie automatiquement des e-mails de reçus et des e-mails liés aux abonnements (comme la fin de l’essai). Ces e-mails sont détenus et gérés par Stripe. Vous pouvez émettre des remboursements et mettre à jour les abonnements à l’aide du Dashboard ou de l’API.

Expérience client

Découvrez comment un client interagit avec votre intégration Managed Payments, du paiement à la demande de remboursement.

Lorsqu’un client paie

Link est le marchand officiel. La page de paiement et les reçus indiquent que le produit numérique est « Vendu via Link »
Stripe encaisse et affiche la taxe sur les ventes lors du paiement
Stripe propose aux clients d’utiliser une carte bancaire, Apple Pay, Link et certains moyens de paiement locaux comme options de moyen de paiement
Les conditions de paiement sont normalisées en bas de la page de paiement. Vous pouvez inclure vos propres Conditions d’utilisation du service et Politique de confidentialité en les ajoutant dans Paramètres de paiement
Stripe convertit automatiquement le prix dans la devise locale du client selon son emplacement avec Adaptive Pricing

Une page de paiement utilisant Managed Payments

Après le paiement

Stripe envoie directement les reçus, factures et notifications d’abonnement au client. Vos paramètres Billing et de reçus du Dashboard n’affectent pas ces e-mails.

Libellé de relevé bancaire

Le relevé du client affiche LINK.COM* [Your statement descriptor], avec un libellé (statement descriptor) conforme à votre logique de libellés de relevé bancaire.

Gestion des commandes

Les clients gèrent leurs commandes via Link. Ils peuvent :

Voir l’historique des commandes
Annuler ou modifier des abonnements
Mettre à jour les moyens de paiement

Prise en charge des transactions

Stripe gère les demandes de support pour les paiements et abonnements via le support Link. Si les clients demandent de l’aide, Stripe peut vous contacter pour obtenir des informations spécifiques au produit. Si vous ne répondez pas dans les 48 heures, Stripe pourra rembourser la transaction sans votre intervention. Vous pouvez toujours répondre directement aux clients, et fournir des remboursements, mettre à jour les abonnements et répondre à tout problème ou préoccupation lié aux produits.

Remarque

Veillez à ce que votre adresse e-mail de support soit précise et à jour dans vos paramètres Dashboard. Stripe utilise cette adresse e-mail pour vous relayer les demandes d’assistance de la clientèle.

Remboursements

Les clients peuvent demander un remboursement au service de support Link. Stripe peut émettre des remboursements à sa discrétion dans les 60 jours suivant la transaction initiale.

Lorsque vous ou Stripe remboursez une transaction, le montant du remboursement inclut toute taxe sur les ventes payée par le client. Bien que le client soit remboursé du montant total, Stripe est tenue de conserver et de verser le montant initial taxé sur les transactions remboursées dans certaines juridictions. Par conséquent, dans ces juridictions, le solde de votre compte sera réduit du montant correspondant au montant initial taxé.

Demandes de suppression de données

Les clients peuvent demander la suppression de leurs informations pour toutes les transactions Managed Payments et le compte Link associé utilisé pour gérer ces transactions. Si un client achète un produit auprès de votre entreprise via Managed Payments et demande à Stripe de supprimer ses informations, Stripe :

Annuler tout abonnement vendu au client via Managed Payments
Supprimez les données du client de tous les objets de données, y compris les objets de votre compte Stripe, utilisés ou générés à partir de transactions Managed Payments. Cela inclut les objets Client, Payment Method, facture, Payment Intent, Abonnement et Paiement. Stripe vous enverra une notification par e-mail lorsque nous recevrons une demande de suppression de données pour chacun de vos clients.

Admissibilité

Managed Payments impose des exigences de conformité et des restrictions en sus de celles requises pour Stripe Payments.

Pays d’entreprise pris en charge

Votre entreprise doit être établie dans l’un des pays suivants :

Amérique du Nord

Canada

États-Unis

Europe

Allemagne

Autriche

Belgique

Bulgarie

Chypre

Croatie

Danemark

Espagne

Estonie

Finlande

France

Gibraltar

Grèce

Hongrie

Irlande

Italie

Lettonie

Liechtenstein

Lituanie

Luxembourg

Malte

Norvège

Pays-Bas

Pologne

Portugal

République tchèque

Roumanie

Royaume-Uni

Slovaquie

Slovénie

Suède

Suisse

Asie

Hong Kong

Pays clients disponibles

Vous pouvez vendre vos produits ou services à des clients du monde entier, à l’exception des pays suivants :

Pays soumis à des restrictions

Île de l’Ascension
Chine
Cuba
Iran
Kosovo
Corée du Nord
Russie
Syrie
Tristan da Cunha

Cas d’usage pris en charge

Managed Payments prend en charge la vente de produits numériques qui répondent à tous les critères suivants :

Le produit est vendu directement par votre entreprise à vos clients (et non par l’intermédiaire d’une plateforme ou d’une marketplace)
Votre entreprise détient tous les droits et licences nécessaires pour distribuer le produit

Codes de taxe produit admissibles

Pour permettre un calcul précis des taxes, chaque produit doit se voir attribuer un code de taxe admissible. Managed Payments prend en charge un sous-ensemble spécifique de codes de taxe liés aux produits numériques. Consultez la liste complète des codes de taxe admissibles ci-dessous. Les produits sans code de taxe admissible ne peuvent pas être vendus au moyen de Managed Payments.

Code de taxe	Nom de catégorie	Utilisez ce code de taxe pour

`txcd_10103000`	Software as a service (SaaS) - personal use	Cloud services software delivered over the internet. The software isn't customized for a specific buyer and they don't download anything. The software is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10103001`	Software as a service (SaaS) - business use	Cloud services software delivered over the internet. The software isn't customized for a specific buyer and they don't download anything. The software is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10103100`	Software as a service (SaaS) - electronic download - personal use	Cloud services software delivered over the internet. The software isn't customized for a specific buyer and this model assumes an electronic transfer to the buyer, such as an app download. The software is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10103101`	Software as a service (SaaS) - electronic download - business use	Cloud services software delivered over the internet. The software isn't customized for a specific buyer and this model assumes an electronic transfer to the buyer, such as an app download. The software is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10201000`	Video Games - downloaded - non subscription - with permanent rights	Video or electronic games in the common sense that are transferred electronically. These goods are downloaded to a device with permanent access granted. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10201001`	Video Games - downloaded - non subscription - with limited rights	Video or electronic games in the common sense that are transferred electronically. These goods are downloaded to a device with access that expires after a stated period of time. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10201002`	Video Games - downloaded - subscription - with conditional rights	Video or electronic games in the common sense that are transferred electronically. These goods are downloaded to a device with access that is conditioned upon continued subscription payment. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10201003`	Video Games - streamed - non subscription - with limited rights	Video or electronic games in the common sense that are transferred electronically. These goods are streamed to a device with access that expires after a stated period of time. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10201004`	Video Games - streamed - subscription - with conditional rights	Video or electronic games in the common sense that are transferred electronically. These goods are streamed to a device with access that is conditioned upon continued subscription payment. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10202000`	Downloadable Software - personal use	Prewritten ("canned") software that the buyer downloads. The software is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10202003`	Downloadable Software - business use	Prewritten ("canned") software that the buyer downloads. The software is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10401000`	Digital Audio Works - streamed - non subscription - with limited rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are streamed to a device with access that expires after a stated period of time. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards.
`txcd_10401001`	Digital Audio Works - downloaded - non subscription - with limited rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are downloaded to a device with access that expires after a stated period of time. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards. Note the presence of PTC 10301000 (Audiobook), a more granular option for downloaded audiobooks.
`txcd_10401100`	Digital Audio Works - downloaded - non subscription - with permanent rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are downloaded to a device with permanent access granted. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards. Note the presence of PTC 10301000 (Audiobook), a more granular option for downloaded audiobooks.
`txcd_10401200`	Digital Audio Works - streamed - subscription - with conditional rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are streamed to a device with access that is conditioned upon continued subscription payment. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards.
`txcd_10402000`	Digital Audio Visual Works - streamed - non subscription - with limited rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are streamed to a device with access that expires after a stated period of time. These goods include motion pictures, music videos, animations, and news and entertainment programs, but do not include video greeting cards or video or electronic games.
`txcd_10402100`	Digital Audio Visual Works - downloaded - non subscription - with permanent rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are downloaded to a device with permanent access granted. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10402110`	Digital Audio Visual Works - downloaded - non subscription - with limited rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are downloaded to a device with access that expires after a stated period of time. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10402200`	Digital Audio Visual Works - streamed - subscription - with conditional rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are streamed to a device with access that is conditioned upon continued subscription payment. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10505000`	Digital Finished Artwork - downloaded - non subscription - with limited rights	The final art used for actual reproduction by photomechanical or other processes or for display purposes, but does not include website or home page design, and that is transferred electronically. These goods are downloaded to a device with access that expires after a stated period of time. These goods include drawings, paintings, designs, photographs, lettering, paste-ups, mechanicals, assemblies, charts, graphs, illustrative materials, etc.
`txcd_10505001`	Digital Finished Artwork - downloaded - non subscription - with permanent rights	The final art used for actual reproduction by photomechanical or other processes or for display purposes, but does not include website or home page design, and that is transferred electronically. These goods are downloaded to a device with permanent access granted. These goods include drawings, paintings, designs, photographs, lettering, paste-ups, mechanicals, assemblies, charts, graphs, illustrative materials, etc.
`txcd_10505002`	Digital Finished Artwork - downloaded - subscription - with conditional rights	The final art used for actual reproduction by photomechanical or other processes or for display purposes, but does not include website or home page design, and that is transferred electronically. These goods are downloaded to a device with access that is conditioned upon continued subscription payment. These goods include drawings, paintings, designs, photographs, lettering, paste-ups, mechanicals, assemblies, charts, graphs, illustrative materials, etc.
`txcd_10701000`	Website Advertising	Online advertising services such as creating and uploading advertisements on the internet. This is a standalone service that doesn't involve the sale of tangible personal property.
`txcd_10701100`	Website Hosting	A service to enable a customer's website to be accessible on the internet.
`txcd_10701400`	Website Information Services - Business Use	An online service furnishing information to customers, including online search and data comparison. This PTC involves the customer utilizing a SaaS program to access the information content. This offering is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10701401`	Website Information Services - Personal Use	An online service furnishing information to customers, including online search and data comparison. This PTC involves the customer utilizing a SaaS program to access the information content. This offering is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the U.S.
`txcd_10701410`	Electronically Delivered Information Services - Business Use	The furnishing of information of any kind by electronic means. This PTC does not involve the customer utilizing a SaaS program to access the information content. This offering is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this PTC is relevant only if you have sales in the US.
`txcd_10701411`	Electronically Delivered Information Services - Personal Use	The furnishing of information of any kind by electronic means. This PTC does not involve the customer utilizing a SaaS program to access the information content. This offering is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10804001`	Digital Audio Visual Works - bundle - downloaded with permanent rights and streamed - subscription - with conditional rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are streamed and/or downloaded to a device with access that is conditioned upon continued subscription payment. Any downloads received while under subscription remain the permanent property of the subscriber. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games. These goods further include self-study web based training services that impart content via audio visual goods described here.
`txcd_10804002`	Digital Audio Visual Works - bundle - downloaded with limited rights and streamed - non subscription	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods can be streamed and/or downloaded to a device with access that expires after a stated period of time. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10804003`	Digital Audio Visual Works - bundle - downloaded with permanent rights and streamed - non subscription	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods can be streamed and/or downloaded to a device with permanent access granted. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10804010`	Digital Audio Works - bundle - downloaded with permanent rights and streamed - subscription - with conditional rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are streamed and/or downloaded to a device with access that is conditioned upon continued subscription payment. Any downloads received while under subscription remain the permanent property of the subscriber. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards. These goods further include self-study web based training services that impart content via audio goods described here. Note the presence of PTC 10301000 (Audiobook), a more granular option for downloaded audiobooks.
`txcd_20060045`	Training Services - Live Virtual	Live web based training. This includes education sessions or workshops provided remotely, but does not include video replays of the instruction or course. This service allows for a level of participation that is substantially similar to an in-person training on the same subject matter.
`txcd_20060058`	Training Services - Self-study Web-based	Self Study web based training, not instructor led. This does not include downloads or streaming of video replays.
`txcd_20060158`	On demand Online Courses - pre-recorded audio or audio visual content (streamed)	Instructional courses delivered through pre-recorded audio or video content. Content is accessed through a SaaS (Software as a Service) platform, streamed to internet connected devices, and is not available for download.
`txcd_20060258`	On demand Online Courses - pre-recorded audio or audio visual content (streamed and downloadable)	Instructional courses delivered through pre-recorded audio or video content. Content is accessed through a SaaS (Software as a Service) platform, and is available for both streaming and permanent download to internet connected devices.
`txcd_20060358`	On demand Online Courses - written material content (viewable or viewable and downloadable)	Instructional courses delivering static content such as text, documents, or images. Content is accessed through a SaaS (Software as a Service) platform, and is available for both temporary viewing and permanent download to internet connected devices.

Intégrations prises en charge

Managed Payments prend en charge :

Stripe Checkout (hébergé ou formulaire intégré)

Managed Payments ne prend pas en charge :

Stripe Payments Links
Stripe Connect (configurations de plateforme ou de marketplace)
Tunnels de paiement utilisant des composants Web intégrables ou d’autres intégrations avancées
Associer des postes de facture à des abonnements Managed Payments. Les ventes via Managed Payments doivent provenir d’une session Checkout Managed Payments.
Générer une facture unique pour un abonnement en dehors de la période de facturation.

Produits et activités interdits

Vous ne pouvez pas vendre les types de produits suivants à l’aide de Managed Payments.

Tous les produits ainsi que toutes les entreprises décrits dans la liste des activités interdites et soumises à restriction de Stripe sont interdits.

Services de toute nature (par exemple, conseil, marketing, conception, développement, service d’assistance technique)
Services IPTV
Marchandises de toutes sortes
Logiciels espions ou applications de contrôle parental
Dons ou contributions caritatives
Sites d’offres d’emploi
Offres des marketplace (par exemple, les magasins qui vendent des produits tiers)
Placements publicitaires (par exemple, dans les e-mails, les sites Web ou les réseaux sociaux)
Plateformes de rencontres
Droits de marque privée (PLR) ou droits de revente principaux (MRR) des produits
Produits illégaux ou soumis à une limité ancienneté (par exemple, drogues, alcool, tabac, cigarettes électroniques)
Biens et services réglementés (par exemple, CBD, jeux d’argent, armes à feu, immobilier, prêt, services bancaires)
Pharmacies, produits pharmaceutiques et compléments alimentaires
Services de rédaction de dissertations et devoirs scolaires
NFT, cryptomonnaies et produits associés

Assurez-vous que votre offre de produits est conforme à ces critères d’admissibilité avant d’utiliser Managed Payments. Si vous ne savez pas si votre cas d’usage est admissible, contactez l’équipe Support de Stripe.

Moyens de paiement pris en charge

Les entreprises qui utilisent Managed Payments peuvent accepter jusqu’à 15 moyens de paiement de la part de leurs clients. Reportez-vous à la section Configurations des moyens de paiement pour savoir comment configurer les paramètres des moyens de paiement pour Managed Payments.

Certains moyens de paiement ne prennent pas en charge les paiements récurrents ou les abonnements. De plus, ils peuvent nécessiter une présentation locale dans la devise du client pour que le moyen de paiement apparaisse sur votre page de paiement.

Moyen de paiement	Pays acheteurs pris en charge	Types de paiement pris en charge	Devise de règlement
Cartes bancaires	Monde	Paiements ponctuels et récurrents	La présentation en devise locale n’est pas obligatoire.
Apple Pay	Monde	Paiements ponctuels et récurrents	La présentation en devise locale n’est pas obligatoire.
Google Pay	Monde	Paiements ponctuels et récurrents	La présentation en devise locale n’est pas obligatoire.
Link	Monde	Paiements ponctuels et récurrents	La présentation en devise locale n’est pas obligatoire.
Klarna	Monde	Payments ponctuels uniquement²	La présentation en devise locale est obligatoire
Cash App Pay	États-Unis	Paiements ponctuels et récurrents	La présentation en devise locale est obligatoire
Cash App Afterpay	États-Unis	Payments ponctuels uniquement	La présentation en devise locale est obligatoire
Cartes coréennes, Kakao Pay, Naver Pay	Corée du Sud	Paiements ponctuels et récurrents	La présentation en devise locale est obligatoire
Samsung Pay, PAYCO	Corée du Sud	Payments ponctuels uniquement	La présentation en devise locale est obligatoire
UPI	Inde	Paiements ponctuels et récurrents	La présentation en devise locale est obligatoire
Pix	Brésil	Paiements ponctuels et paiements récurrents³	La présentation en devise locale est obligatoire
Bancontact	Belgique	Paiements ponctuels et récurrents	La présentation en devise locale est obligatoire.

¹Adaptive Pricing est automatiquement disponible pour une utilisation ponctuelle de Managed Payments et gère la conversion des devises locales en votre nom. Si un moyen de paiement est pris en charge sur Adaptive Pricing, vous n’avez pas besoin de gérer la présentation en devise locale pour que le moyen de paiement apparaisse sur votre paiement.

²Klarna prend uniquement en charge les paiements ponctuels pour Managed Payments. Vous pouvez accepter Klarna pour les paiements récurrents dans les sessions de paiement qui n’utilisent pas Managed Payments. Découvrez comment configurer les futurs paiements Klarna.

³Pix ne prend pas en charge les abonnements quotidiens.