Buyer and seller experiences
To get started, it helps to map your existing buyer and seller flows to what they’ll look like on Stripe. Common buyer flows include:
- Checkout: how buyers provide payment details to your platform and purchase services or items
- Refunds: how buyers request and receive refunds
In the checkout flow, you should consider options like:
- Saving customer payment information to make checking out faster
- Additional payment methods: cards, Apple Pay, Google Pay, ACH, SEPA, iDEAL, etc.
- Experiences, including web, iOS, and Android
Common seller flows include:
- Connecting to the platform: how sellers create accounts and connect them to your platform
- Accessing payment data: how connected accounts view payout information, account details, etc.
- Accepting payouts
The seller experience you’ll build is a standard OAuth flow. When sellers complete this flow, it allows your platform to create charges and make other API requests on behalf of the connected accounts. If a seller doesn’t have a connected account yet, completing the OAuth flow creates one for them. As a part of this flow, you’ll also need to provide a redirect page that sellers are brought to after they complete the OAuth flow.
Standard accounts have a relationship with Stripe, are able to log in to the Dashboard, can process charges on their own, and can disconnect their account from your platform.
We recommend Connect Standard integrations use direct charges. With direct charges, end customers purchase from your connected accounts instead of your platform. This means your connected accounts are responsible for Stripe fees, refunds, and chargebacks instead of you. This is ideal for platforms that enable e-commerce for their users. With Standard accounts, you also have the option to charge application fees on direct charges and subscriptions.
To prevent fraud, you can implement card verification code (CVC) and address verification (AVS) checks. You can also implement 3D Secure which adds an additional layer of security. It requires your customers to complete additional steps during the payment process that could impact their checkout experience. For instance, if a customer doesn't know their 3D Secure information, they might not be able to complete the payment. In addition to these checks, you should pass parameters specific to your business to help Stripe’s fraud detection. You can customize fraud detection further with Stripe Radar.
Migrating your data
To support your existing customers, card data from your current processor needs to be migrated to Stripe. You should reach out to your current processor early in the onboarding process to find out how long it takes them to prepare the data.
When you reach out to your current processor, make sure to include the data you want to migrate.
This might include customer payment information like card or bank account details, and any other information
you want to attach to
Using Stripe data
You also need to determine the internal systems you have that rely on Stripe data. These are often enterprise resource planning (ERP) and accounting systems that depend on some kind of database. Work with your internal teams to identify these systems, how to map Stripe’s data against them, and where to store data.
Training is primarily for customer service and finance teams. These teams need to learn to use the Dashboard, and how to view and create reports. Some parts of your integration may need to be implemented (so you can create test data) before training can be completed. During the scoping phase, you can review the training materials and create a list of your team members that need training.
Go-to-market strategies vary greatly, so you should work with your marketing team and others to create a strategy that fits your business. GTM planning can happen at any time, but it's helpful to have a general plan early in the onboarding process.
By becoming a Stripe Partner, you'll be able to access best practices across a range of topics like how to optimize your Stripe integrations, effectively go to market, and answer frequently asked questions about Stripe and payments.
Use this checklist to help track your progress through the scoping phase. Depending on your integration, some of the checklist items might not apply to you, or you might have other items to track that aren't listed. The state of each checkbox is stored in your browser's cache, so you can return to this page at any time to see what has been completed.