Complete Guide to Accepting Credit Cards with WooCommerce using Stripe
I have recently begun accepting credit cards using Stripe on one of my eCommerce websites and I couldn’t be happier with it – If you are not aware, Stripe is a payment processor which allows you to accept one-off Credit Card payments and recurring billing subscriptions with minimal fuss. It deposits funds into your bank account daily, is available now in 18 countries and has a beautiful, easy to use interface.
Fees are reasonable and easy to understand – 2.9% + 30c charge on each successful transaction. They have clean APIs for curl, Ruby, Python, PHP, Java, Node and Go which make it easy for developers to integrate into websites and apps. The checkout form is clean and well designed :
How to Setup SSL for your WordPress Site
To use Stripe on your website you must be using SSL, this is essential nowdays for eCommerce sites anyway and probably good for all sites as Google have started using it as a ranking signal. You will need to purchase an SSL certificate which some in two types – A domain validation certificate and an Extended Validation certificate. The first type is a basic certificate that will allow you to use https, these are cheap at around $10 per year. For a serious eCommerce site it is well worth getting the extended validation type though, these are a little more expensive at around $140 per year but will give your website the green bar which displays your company name, these look much better to the consumer.
To get an extended Validation certificate, the company will do some background checks and you must have a registered company, a publicly listed phone number which the issuer can contact you on and you must sign some documents – the process takes a little while to complete while the issuer does some checks to verify your company’s identity.
Once you have your certificate in place, you will need to change your site URL in WordPress admin, under “Settings” > “General Settings” from http:// to https://
I then recommend you use a free plugin called “Force SSL” which will redirect all traffic from http:// to https://
The final thing to do is visit your site and look in your browser for any security warnings, for instance if your theme has any hardcoded http:// links for things like images or Google fonts etc – if you find any you will need to fix these before the secure padlock icon will show.
Signup for Stripe
Now you will need to create your account at Stripe: It is currently available in 18 countries so make sure you are able to use it in your country, full list here. Signing up is a piece of cake, simply fill out your email and a password and you can then access the dashboard.
Once you have your account created, you will need to visit the “Account Settings” link at the top right hand corner of the dashboard and enter your details such as business name, bank account details and under “transfers” you can choose how often they deposit money into your account – daily, weekly or monthly. Here is also where you get access to your API keys which you will need for the next step.
Free Stripe Plugin for WooCommerce
You will need a plugin for WooCommerce to handle the Stripe integration, there is an official WooCommerce plugin which costs $79 for single site license or you can use the free one located on WordPress.org called “Stripe for WooCommerce“, this is the one that I use and it works perfectly so I dont really see what benefit the paid version has.
Install and activate the plugin, then visit “WooCommerce” > “Settings” > “Stripe for WooCommerce” where you can enable the plugin, give the section a name on your site and a description if required – these will be shown in your checkout section.
Underneath you will see spaces for live and test API keys which you can get from your Stripe account.
Once that is all done, go back to “Settings” > “Checkout Options” and scroll to the bottom where you will see the credit card payment option is now listed, you can drag and drop the order of your payment methods to suit your site.
You can now visit your site’s checkout page and see the Stripe payment option in action :
Using Stripe is one of the easiest ways you can begin accepting credit cards directly on your site, it is so easy to setup and the interface is really well designed and simple to use. It’s a dream compared to PayPal’s interface where I have to Google for results as everything seems to be hidden in their antiquated interface. The fees are upfront and easy to understand, if you are using WooCommerce I highly recommend adding this as an option alongside PayPal.