Stripe

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Stripe
This page is about the menu {{#fas:cog}} (SETTINGS) > PAYMENTS > PAYMENT GATEWAYS > STRIPE

Setup

To use this payment option you will need an account with Stripe.

To connect your Stripe Account click on the "Connect to Stripe" button, you will be prompted to log into Stripe and accept the connection for Stripe Payment Processing.

If you do not already have a Stripe account, click on the "Connect to Stripe" button and follow the on screen instructions to create one.

{{#fas:lightbulb}} Stripe supports strong customer authentication and complies with the PSD2 regulations. You have security settings in your Stripe account. Please refer there for further information on 3D secure, PSD2 and other security matters.

{{#fas:exclamation-triangle}} To use Stripe to collect Channel payments ONLY and not show on your BookingAutomation Booking page, then use Enable = 'Internal Only'

Functionality

Send credit card details to Stripe

If you set "Save all cards to Stripe" = Yes all credit cards including cards supplied by all channels will be sent directly to Stripe and not stored at Booking Automation.

Credit card details can also be sent manually to Stripe using the send to Stripe button.

Stripe2.png view large

The card will be saved as a new customer in Stripe with the booking number as a reference. Once the new customer is created in Stripe the card can be charged.

Multiple cards can be sent for each Stripe customer and a specific one selected when charging.

Stripe will only accept valid cards. If Stripe rejects the card, its details will still be visible at BookingAutomation.

Info Codes in the "Info" tab of the booking show you which action was performed.

Code Use
CARDTOSTRIPE card details were sent to Stripe
STRIPEPAYMENT payment imported from Stripe
STRIPEFAIL card not sent to Stripe
CARDEXPIRES added when the card expires before check-in
STRIPEAUTHORIZE payment has been authorised by Stripe

Collect deposit for direct bookings at time of the booking

Use this instruction to set up deposit collection from your booking page.

Payments for bookings with deposit collection on the BookingAutomation booking page will be automatically collected and/or captured.

The card is stored at Stripe and can be charged manually or automatically again at a later date.

Send payment request

Use this instruction to create payment requests.

Payments for bookings with payment request will be automatically collected and/or captured.

The card is stored at Stripe and can be charged manually or automatically again at a later date.

Collect authorization manually

To authorize the card for later capture set "Capture" = No

The maximum holding period depends on the card type and the country the card is from:

  • Visa 31 days (Japan 7 days)
  • Mastercard 30 days
  • Discover 30 days
  • American Express 7 days

{{#fas:lightbulb}} The extended authorization period beyond 7 days may only be available if your Stripe account business type is for a "hotel" or "lodging", other business types may be limited to 7 days.

For more information please contact Stripe support.

Collect payment manually

Stripe1.png view large

You can choose if the card is

  • immediately charged and funds transferred to your Stripe account (Capture=Yes)
  • no funds transferred now but the amount is available for later capture up to an expiry date (Capture=No).

If the customer has multiple cards stored at Stripe you will be able to select the card you want to charge.

Manage payments manually

You can see the status of all payments stored at Stripe for the booking and have options as appropriate to capture an amount or the full payment, refund an amount or the full payment and release an authorization.

Stripe3.png view large

Collect payment automatically

Setting up pending payments to auto charge a card at a specific date is explained here.

Auto Charge Virtual Cards from OTAs

Some channels send virtual cards which are often only valid for a certain period. Virtual cards can be charged automatically when they become valid. This is how you activate this option:

  • Go to SETTINGS->CHANNEL MANAGER and set "Channel Collect Invoice" = Charges and Pending Payments
  • Go to the channel settings (for example SETTINGS->CHANNEL MANAGER->BOOKING.COM) and set "Virtual Cards" = Yes

Error when charging Booking.com and Expedia Virtual Cards

When charging Booking.com and Expedia Virtual Cards with Stripe you may receive this error: An error occurred while processing this card

Possible reasons:

  • Merchant Code: The merchant code reflects your type of business (hotel, restaurant, grocery shop etc.). You can only charge a virtual card for a booking if your merchant code category (MCC) is relating to accommodation – 7011. Contact Stripe support and ask them to let your MCC code to reflect 7011.
  • Missing CVC: Booking.com and Expedia do not always send a CVC for virtual cards. Ask the channel to provide a CVC for the virtual card and manually reenter it. For Expedia virtual cards you can try to add the generic CVC codes:
    • Visa/Mastercard: 469
    • American Express: 2469
  • Incorrect amount: Double-check you charge the exact amount sent by the channel from the booking.

Refund of Payments in Stripe

Payments can be fully or partially refunded from within the booking which will also update the invoice. If your refund from within the Stripe account you will also need to enter them manually into the booking if you wish to keep the booking invoice updated.

Stripe3.png view large

Stripe Test Mode

The easiest way to test is in live mode and either do not capture the charges or make small test payments and refund them from within Stripe when finished testing.

Stripe also has a test mode but not all functionality is enabled in this mode.

To connect to Stripe in testing mode, you can use your Stripe test publishable key and test secret key.

Pending payments will not work with the Stripe ApiKey connection method (i.e. test mode).

{{#fas:exclamation-triangle}} You must be disconnected from Stripe to begin.

Open the Stripe menu at SETTINGS > PAYMENTS -> PAYMENT GATEWAYS -> STRIPE

Add the following to the end of the URL &showkeys

So the URL in the browser looks something like this:

https://manage.bookingautomation.com/control2.php?pagetype=propertydepositstripe&showkeys

Press the Enter key.

You will now have access to two additional settings where your Test Keys can be saved.

When you are finished testing, delete the two test keys and connect in live mode with the "Connect to Stripe" button.

{{#fas:exclamation-triangle}} Do not use API keys to connect in live mode, Stripe considers this insecure and will limit functionality.

Troubleshooting and Issues

 Pending payment did not trigger 
Pending payments will not work with the Stripe ApiKey connection method (i.e. test mode).
 Stripe payment form does not show"
It has been reported that Browser IE 11 does not show the Stripe payment form when the booking page (and Stripe form) is in an iFrame unless the following Meta tag is included on the parent page.
<meta http-equiv="x-ua-compatible" content="IE=edge">
Accept Cards without CVC
Log into your Stripe account and go to "Radar". You should be able to process charges without the CVC once you turn off that requirement in Radar.