Collect card payments

The first step when collecting payments is to start the payment flow. When a customer begins checking out, your application must create a PaymentIntent object. This represents a new payment session on Stripe.

You can create a PaymentIntent on the client or server.

Use test amounts to try producing different results. An amount ending in 00 results in an approved payment.

Client-side

Create a PaymentIntent from your client:

import UIKit
import StripeTerminal

class PaymentViewController: UIViewController {

    // ...

    // Action for a "Checkout" button
    func checkoutAction() throws {
        let params = try PaymentIntentParametersBuilder(amount: 1000, currency: "usd").build()
        Terminal.shared.createPaymentIntent(params) { createResult, createError in
            if let error = createError {
                print("createPaymentIntent failed: \(error)")
            } else if let paymentIntent = createResult {
                print("createPaymentIntent succeeded")
                // ...
            }

        }
    }

    // ...
}

Server-side

You can create the PaymentIntent on your server if the information required to start a payment isn’t readily available in your app.

The following example shows how to create a PaymentIntent on your server:

curl https://api.stripe.com/v1/payment_intents \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "amount"=1000 \
  -d "currency"="usd" \
  -d "payment_method_types[]"="card_present" \
  -d "capture_method"="manual"

For Terminal payments, the payment_method_types parameter must include card_present.

You can control the payment flow as follows:

• To fully control the payment flow for card_present payments, set the capture_method to manual. This allows you to add a reconciliation step before finalizing the payment.
• To authorize and capture payments in one step, set the capture_method to automatic.

To accept payments in Australia, you need to set capture_method to automatic or manual_preferred. For more details, visit our Australia documentation. To accept Interac payments in Canada, you must also include interac_present in payment_method_types. For more details, visit our Canada documentation.

The PaymentIntent contains a client secret, a key that’s unique to the individual PaymentIntent. To use the client secret, you must obtain it from the PaymentIntent on your server and pass it to the client side.

post '/create_payment_intent' do
  intent = # ... Create or retrieve the PaymentIntent
  {client_secret: intent.client_secret}.to_json
end

To retrieve a PaymentIntent, use the client secret to call retrievePaymentIntent.

After you retrieve the PaymentIntent, use it to call processPaymentIntent.

func checkoutButtonAction() {
    // ... Fetch the client secret from your backend
    Terminal.shared.retrievePaymentIntent(clientSecret: clientSecret) { retrieveResult, retrieveError in
        if let error = retrieveError {
            print("retrievePaymentIntent failed: \(error)")
        }
        else if let paymentIntent = retrieveResult {
            print("retrievePaymentIntent succeeded: \(paymentIntent)")
            // ...
        }
    }
}

You can process a payment immediately with the card presented by a customer, or instead inspect card details before proceeding to process the payment. For most use cases, we recommend processing immediately, because it’s a simpler integration with fewer API calls. However, if you want to insert your own business logic before authorizing the card, use the two-step collect-and-confirm flow.

Process immediately

Collect, inspect, and confirm

After you create a PaymentIntent, the next step is to process the payment. The reader prompts the customer to insert or tap their card and then attempts to authorize the payment.

While processing a payment, cardholder might take a few seconds to get their card from their wallet or pose a question to the operator during payment.

PaymentViewController.swift

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Swift

Objective-C

No results

// Action for a "Checkout" button
func checkoutAction() throws {
  let params = try PaymentIntentParametersBuilder(amount: 1000, currency: "usd").build()
  Terminal.shared.createPaymentIntent(params) { createResult, createError in
      if let error = createError {
          print("createPaymentIntent failed: \(error)")
      } else if let paymentIntent = createResult {
          print("createPaymentIntent succeeded")
          self.processCancelable = Terminal.shared.processPaymentIntent(paymentIntent, collectConfig: nil, confirmConfig: nil) { processResult, processError in
              if let error = processError {
                  print("processPaymentIntent failed: \(error)")
              } else if let processedPaymentIntent = processResult {
                  print("processPaymentIntent succeeded")
                  // Notify your backend to capture the PaymentIntent
                  if let stripeId = processedPaymentIntent.stripeId {
                      APIClient.shared.capturePaymentIntent(stripeId) { captureError in
                          if let error = captureError {
                              print("capturePaymentIntent failed: \(error)")
                          } else {
                              print("capturePaymentIntent succeeded")
                          }
                      }
                  } else {
                      print("Payment processed offline");
                  }
              }
          }
      }
  }
}

Cancel collection

Programmatic cancellation

You can cancel processing a PaymentIntent using the Cancelable object returned by the iOS SDK.

Customer-initiated cancellation

Smart readers show customers a cancel button by default. You can disable this by setting customerCancellation to .disableIfAvailable.

Tapping the cancel button cancels the active transaction.

PaymentViewController.swift

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Swift

Objective-C

No results

let collectConfig = try CollectPaymentIntentConfigurationBuilder()
    .setCustomerCancellation(.disableIfAvailable) // turn OFF the cancel button, ON by default
    .build()
Terminal.shared.collectPaymentMethod(paymentIntent: paymentIntent, collectConfig: collectConfig) {
    intentWithPaymentMethod, attachError in
}

Handle events

When collecting a payment method using a reader such as the Stripe M2, without a built-in display, your app must be able to display events from the payment method collection process to users. These events help users successfully collect payments (for example, retrying a card, trying a different card, or using a different read method).

When a transaction begins, the SDK passes a ReaderInputOptions value to your app’s reader display handler, denoting the acceptable types of input (for example, Swipe, Insert, or Tap). In your app’s checkout UI, prompt the user to present a card using one of these options.

During the transaction, the SDK might request your app to display additional prompts (for example, Retry Card) to your user by passing a ReaderDisplayMessage value to your app’s reader display handler. Make sure your checkout UI displays these messages to the user.

ReaderViewController.swift

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Swift

Objective C

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// MARK: MobileReaderDelegate - only needed for Bluetooth readers, this is the delegate set during connectReader

 func reader(_ reader: Reader, didRequestReaderInput inputOptions: ReaderInputOptions = []) {
     readerMessageLabel.text = Terminal.stringFromReaderInputOptions(inputOptions)
 }

 func reader(_ reader: Reader, didRequestReaderDisplayMessage displayMessage: ReaderDisplayMessage) {
     readerMessageLabel.text = Terminal.stringFromReaderDisplayMessage(displayMessage)
 }

Collect payments with Tap to Pay on iPhone

When your application is ready to collect a payment, the Stripe iOS SDK takes over the display to handle the collection process. After calling the process payment method, your application remains running, but the iPhone displays a full-screen prompt to the cardholder, instructing them to present their card or NFC-based mobile wallet. If there’s an error reading the card, a prompt for retry displays. A successful presentation returns a success indication, and then control returns to your application.

Cobro de pagos

• For manual capture of payments, a successful processPaymentIntent call results in a PaymentIntent with a status of requires_capture.
• For automatic capture of payments, the PaymentIntent transitions to a succeeded state.

You must manually capture a PaymentIntent within 2 days or the authorization expires and funds are released to the customer.

Handle failures

When processing a payment fails, the SDK returns an error that includes the updated PaymentIntent if it was declined by stripe. Your application needs to inspect the PaymentIntent to decide how to deal with the error.

PaymentIntent status	Significado	Resolución
requires_payment_method	Payment method declined	Try collecting a different payment method by calling processPaymentIntent again with the same PaymentIntent.
requires_confirmation	Temporary connectivity problem	Call processPaymentIntent again with the same PaymentIntent to retry the request.
PaymentIntent is nil	Request to Stripe timed out, unknown PaymentIntent status	Retry processing the original PaymentIntent. Don’t create a new one, because that might result in multiple authorizations for the cardholder.

If you encounter multiple, consecutive timeouts, there might be a problem with your connectivity. Make sure that your app can communicate with the internet.

Avoid double charges

The PaymentIntent object enables money movement at Stripe—use a single PaymentIntent to represent a transaction.

Re-use the same PaymentIntent after a card is declined (for example, if it has insufficient funds), so your customer can try again with a different card.

If you edit the PaymentIntent, you must call processPaymentIntent to update the payment information on the reader.

A PaymentIntent must be in the requires_payment_method state before Stripe can process it. An authorized, captured, or canceled PaymentIntent can’t be processed by a reader.

If you defined capture_method as manual during PaymentIntent creation in Step 1, the SDK returns an authorized but not captured PaymentIntent to your application. Learn more about the difference between authorization and capture.

When your app receives a confirmed PaymentIntent from the SDK, make sure it notifies your backend to capture the payment. Create an endpoint on your backend that accepts a PaymentIntent ID and sends a request to the Stripe API to capture it:

curl -X POST https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}}/capture \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:"

A successful capture call results in a PaymentIntent with a status of succeeded.

To make sure the application fee captured is correct for connected accounts, inspect each PaymentIntent and modify the application fee, if needed, before manually capturing the payment.

Reconcile payments

To monitor the payments activity of your business, you might want to reconcile PaymentIntents with your internal orders system on your server at the end of a day’s activity.

A PaymentIntent that retains a requires_capture status might represent two things:

Unnecessary authorization on your customer’s card statement

• Cause: User abandons your app’s checkout flow in the middle of a transaction
• Solution: If the uncaptured PaymentIntent isn’t associated with a completed order on your server, you can cancel it. You can’t use a canceled PaymentIntent to perform charges.

Incomplete collection of funds from a customer

• Cause: Failure of the request from your app notifying your backend to capture the payment
• Solution: If the uncaptured PaymentIntent is associated with a completed order on your server, and no other payment has been taken for the order (for example, a cash payment), you can capture it.

Collect tips Solo para EE. UU.

In the US, eligible users can collect tips when capturing payments.