Express Checkout with Stripe: set up, offer, check

1. Button: In the cart, the customer chooses a payment method, for example Apple Pay or Google Pay.
2. Wallet: In the payment window, they choose the delivery address and the shipping method. The shop then calculates the shipping costs and the total.
3. Check: After the payment, the shop asks Stripe whether the money has arrived.
4. Order: Only then does it create the order. If the customer does not return after paying, the shop creates the order later by itself.

In the shop

1. Open the module: Under Settings → Checkout → Payment methods, edit the module “Stripe”.
2. Activate: Switch on “Payment by Stripe” and enter the “Public key” and the “secret key” from your Stripe account.
3. Choose payment methods: The table “methods of payment” with the help text “Select here which payment methods you want to offer via Stripe.” defines which of the five payment methods listed in the overview below may appear in the express button. The same table also determines the Stripe payment methods in the regular checkout. Several rows are possible, for example “Credit cards, ApplePay, GooglePay” and “PayPal”.
4. Allow express purchase: “Allow Stripe checkout (express purchase)” stays switched on; that is the default. When it is off, no button appears in any of the three places.
5. Enable shipping methods: In the “Shipping and Payment” tab of the module, enable Stripe for the shipping methods the wallet should offer, and also for the module “FREE SHIPPING!”, even if you do not offer this shipping method at all. If Stripe is not enabled for “FREE SHIPPING!” or for the shipping method chosen in the cart (without a choice, the cheapest one), no button appears. Do not enable Stripe for the shipping methods under “Shipping costs determined after the order (shipping modules)” (Settings → Checkout → Shipping/packaging): for them, the wallet would collect the total without shipping.
6. Save: When you save, the shop creates or updates its webhook endpoint at Stripe. Through the webhook, it learns about payments even if the customer does not return to the shop.

At Stripe

• Register your domain: In the Stripe Dashboard, register every domain on which the buttons appear, including subdomains such as www, and for tests also in test mode. This is mandatory for Apple Pay. Stripe also lists the registration for Google Pay, Link, PayPal and Amazon Pay. You register on the “Payment method domains” page (Stripe’s instructions). The shop has no function of its own for this.
• Activate payment methods: Which buttons Stripe shows also depends on which payment methods are active in your Stripe account. Some of them have to be activated there first.
• Klarna: The table “methods of payment” does not control Klarna in the express button. If Klarna is active in your Stripe account, Stripe can show it there in addition. The order is then probably only created through the restoration, as with PayPal.
• Customer’s device: A wallet button only appears if the browser, the device and the currency support the payment method and the customer has set it up. For example, Stripe shows no Google Pay button if Google Pay is not set up.

Notice instead of the button

On the express path, the customer skips the steps of the regular checkout, including the order review with its consents. In the off-canvas cart, on the cart page and on the login page, a notice therefore takes the place of the Stripe button. from 4.10.0

The customer then orders via the regular checkout. These six reasons trigger the notice:

• Reason no longer applies: Once the customer signs in with their customer account, “Download without an account” no longer applies. Once they upload the required file, “File upload” no longer applies. The button appears again as soon as no reason is left.
• Personalized goods: They do not trigger the notice.
• Check in the shop: The shop decides before it knows which wallets the device offers. The notice therefore also appears where the device would not offer a wallet at all.
• Cart changed later: If the cart only needs a check after the button has loaded, the shop rejects the payment before charging and shows the notice at the top of the cart page.
• Other express buttons: Amazon Pay and PayPal Checkout remain because they lead back to the order review.

No button and no notice

In these cases, the place of the Stripe button stays empty:

• Module: “Payment by Stripe” is off, no “Public key” is entered, or “Allow Stripe checkout (express purchase)” is off.
• Shipping and Payment: Stripe is not enabled for “FREE SHIPPING!” or not for the shipping method chosen in the cart (without a choice, the cheapest one).
• Payment method not allowed: Stripe is not allowed as a payment method for the customer group or the individual customer.
• Minimum order: The “Minimum order” under Settings → General → Minimum values is not reached.
• Stock: “Check the stock” under Settings → Checkout → Inventory is switched on, and an item is not available.
• Attributes: An attribute combination in the cart cannot be ordered.
• Amount: The cart total is 0.
• Device: Stripe offers none of the enabled payment methods on the device.

With both switches on, it reads:

Which parts it names follows from two switches under Settings → Checkout → General. The sentence on the obligation to pay and the link to the privacy policy are always there.

Where the links lead

• Terms and conditions: to the “Alternative Terms of Service PDF file” if it is in the files/ folder, otherwise to the CMS page of your terms, by default “General Terms and Conditions”.
• Cancellation policy: to the “Alternative revocation PDF file”, otherwise to the CMS page “Right of revocation”.
• Privacy policy: always to the CMS page “Privacy”.

These are the same targets as in the order review, and all links open in a new tab. You set the two PDF files under Settings → General → Basic settings.

• Visibility: The legal text only appears once Stripe offers at least one payment method on the device. Where the notice about the required check replaces the button, the legal text is missing.
• Your own wording: Under Tools → xoLanguage, you can override the text with your own value (TEXT_EXPRESS_CHECKOUT_LEGAL_HINT and the variants with _TERMS, _WITHDRAWAL and _PRIVACY). The placeholders %1$s (terms), %2$s (cancellation policy) and %3$s (privacy policy) stand for the links and must be kept. Check the legal text below the button after every change: if a placeholder is missing, the matching link is missing, and swapped placeholders link to the wrong pages. Write a percent sign as %%; a single % can hide or garble the legal text.

• Customer account instead of guest: If “Obligation to register during the ordering process” under Settings → Checkout → Customer details is set to always_account or always_account_and_guest_checkbox, express checkout creates a customer account and sends the access data by email. This only applies if no customer account exists for the email address yet.
• Telephone number: The wallet only asks for it if “Telephone number is required field” under Settings → Checkout → Customer details is set to mandatory.

• Shipping methods: When the customer chooses an address in the wallet, the shop calculates its shipping methods. If the customer is not signed in, it uses the postcode, city and country of this address; for signed-in customers, it uses the delivery address from the customer account. Only the shipping methods for which Stripe is enabled under “Shipping and Payment” are offered; the wallet shows the name and the price.
• Preselection: The shipping method from the cart is preselected, otherwise the first one in the order of your shipping modules.
• Amount: The shop calculates as it does for the booking, with shipping, surcharges, discounts, fees and taxes. It recalculates with every change of shipping method.
• No suitable shipping method: If there is no shipping method for the address or the total cannot be calculated, the wallet rejects the address. The message comes from the wallet, not from the shop.

Reconciliation after booking

After creating the order, the shop compares the amount collected with the order. If the payment does not cover the order, it gets the status from “Order Status (Paid Asynchronously)” or, without this setting, your default status instead of the status from “Order Status (Paid Immediately)”, plus an internal note.

If the amount differs by more than 1 cent or the order contains no items, the shop also sends you an email, see operator email. from 4.10.0

Pickup

• Choosing a branch: If “Location selection” in the module “Pick up” (Click & Collect) is set to required, the wallet does not offer pickup until the customer has chosen a branch in the shop beforehand. from 4.10.0
• Payment methods of the branch: If a branch has its own payment methods without Stripe, pickup is not offered in the wallet either.

You set up shipping methods under Settings → Checkout → Shipping methods; see the guide Shipping & Delivery.

The payment status is unclear in these cases:

• Stripe reports the payment as processing or only as authorized.
• The status cannot be checked right now, for example due to a network problem or a disruption at Stripe.
• The order completion fails after the money has already been collected.
• Money was collected for the payment without an order being created, for example after a redirect to PayPal or Amazon Pay or when the tab was closed.

What the customer sees

If the payment breaks off in the payment window, the customer lands on the cart page. One of these messages appears at the top:

After a redirect to PayPal or Amazon Pay, the customer does not return to the cart page. Signed-in customers see the matching message on the “Payment Information” page; guests land on the login page without a message. For them, the message appears as soon as they want to pay with Stripe again.

How the block works

• No second Stripe payment: The shop rejects a new express attempt before charging. The regular checkout with Stripe leads back to the cart with the message instead of to the payment page of Stripe.
• Checked payment: If an express payment is paid and checked but not yet booked, a new attempt leads directly to the order completion instead of a second payment.
• End of the block: The block ends when Stripe reports the payment as not paid, when an order exists for the payment, or after 24 hours at the latest.
• Scope: The block applies to Stripe in the customer’s session. It does not block other payment methods or other devices.

1. Message: Stripe reports a successful payment for which the shop has no order. The shop stores the message.
2. Waiting time: The order is created no earlier than after the time set in “Order restoration - delay (minutes)”. The default is 30 minutes; 5 to 180 are allowed. The waiting time prevents a duplicate order if the customer returns right away.
3. Trigger: The shop processes stored messages when the next webhook from Stripe arrives. In quiet periods, this can therefore take considerably longer than the waiting time you set.
4. Order: The basis is the cart snapshot. When the customer pays, the shop stores the content and totals of the cart in it.

A later payment confirmation from Stripe only sets a Stripe order to the status from “Order Status (Paid Immediately)” if Stripe confirms the charge and the amount covers the booked total. An underpaid order keeps its status.

What you see in the order

• Internal note: Every restored order carries a note in its history that the customer does not see. It begins with “Diese Bestellung wurde automatisch vom XONIC Shopsystem restauriert” (displayed in German) and asks you to check the order for accuracy and duplicates before you send the customer an order confirmation.
• No order confirmation: The restoration does not send the customer an order confirmation, so they have not received anything from the shop yet. After your check, send it promptly yourself.

What you do

1. Compare: For orders with a note, compare the amount, items, refund and dispute with the payment in the Stripe Dashboard.
2. Check for duplicates: If a regular order already exists for the same cart, check in the Stripe Dashboard whether two payments have arrived. Only then is the restored one a duplicate. Set it to a cancellation status; with “Automatic chargeback” switched on in the Stripe module, the shop refunds its payment.
3. Complete: Add missing items in the order editor, see Process orders.
4. Finish: Only then set the status and send the order confirmation: in the order editor, switch on “New order confirmation?” and click “Update”.

• What is dropped: The setting chose between legacy, the older Payment Request Button from Stripe, and new, the Express Checkout Element.
• What the update does: It sets the setting to new by itself, also where individual domains in a multishop have their own value. You do not need to change anything in the setting itself.
• Shops with legacy: They show the Express Checkout Element after the update, as do older installations without this setting. Depending on the selection in the Stripe module, Link, PayPal and Amazon Pay appear in addition to Apple Pay and Google Pay.
• PayPal and Amazon Pay: If your shop ran with legacy and the table “methods of payment” has a row with “PayPal”, “AmazonPay” or “All payment methods”, for example for the payment page of Stripe, these payment methods appear in the express button for the first time after the update. There is no separate selection just for the express button. Test these payment methods after the update, see Pitfalls.
• Custom templates: They need no adjustment.