Our new payments APIs prepare your business for growth:
- Automatic authentication handling
- No double charges
- No idempotency key issues
- Support for Strong Customer AuthenticationStrong Customer Authentication (SCA) is a regulatory requirement in effect as of September 14, 2019, that impacts many European online payments. It requires customers to use two-factor authentication like 3D Secure to verify their purchase. (SCA) and similar regulatory changes
We recommend all users integrate with these payment APIs. Our traditional Stripe integration is available for getting started quickly—without handling additional authentication—in the U.S. and Canada.
Designing your own payments on Stripe
Use Stripe’s libraries to collect payment details and create payments. Here’s what you can do:
- Create payments
- Save cards
- Charge saved cards
- Handle authentication
- Cancel or refund payments
- Understand and convert currencies
These new APIs help you handle dynamic payments (e.g., additional authentication like 3D Secure3D Secure provides an additional layer of authentication for credit card transactions that protects merchants from liability for fraudulent card payments. During a transaction that incorporates the 3D Secure authorization process, the customer is prompted to supply a separate password or code to validate their purchase.) and prepare you for expansion to other countries. As new regulations and regional payment methods come with different requirements, these APIs help you support them.
Collect card payments faster, with less code
You don’t have to build your payment flows from scratch. The easiest way to get started on Stripe is to use Checkout, a Stripe-hosted payment page that works beautifully on web and mobile browsers. Checkout uses the same underlying APIs and comes with the same benefits.
Checkout handles collecting payment details and creating payments for you. And because it supports additional authentication like 3D Secure, Checkout is equally suitable for users in the U.S. and Canada and those affected by the SCA regulation in Europe.
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