Stripe Checkout - One-Time Payment
Overview
A secure payment flow for one-time purchases using Stripe Checkout. Users can pay with credit cards, debit cards, or digital wallets, then receive confirmation and receipts. The system handles payment verification, order fulfillment, and refund processing.
User Stories
- As a customer, I want to securely pay for products, so that I can complete my purchase
- As a customer, I want to use my preferred payment method (card, Apple Pay, Google Pay), so that checkout is convenient
- As a customer, I want to receive a receipt via email, so that I have proof of purchase
- As a customer, I want to see order status after payment, so that I know my purchase was successful
Acceptance Criteria
- [ ] "Checkout" button initiates Stripe Checkout session
- [ ] Checkout page accepts major credit/debit cards
- [ ] Digital wallets (Apple Pay, Google Pay) are available when supported
- [ ] Payment confirmation page displays order details
- [ ] Receipt email sent within 5 minutes of successful payment
- [ ] Failed payments show clear error messages with retry option
- [ ] Webhook processes payment events (success, failed, refunded)
- [ ] Order status is updated in database after payment
Technical Requirements
- Create Stripe account and obtain API keys (test & production)
- Initialize Stripe.js library with publishable key
- Create Checkout Session on backend with line items and metadata
- Implement webhook endpoint to handle payment events
- Verify webhook signatures for security
- Store payment intent ID with order record
- Use idempotency keys for payment requests
- Enable SCA (Strong Customer Authentication) for European customers
Edge Cases
- Payment declined by bank → Show decline reason and suggest retry or different card
- User closes checkout before completing → Session expires after 24 hours, no charge
- Webhook delivery fails → Implement retry logic with exponential backoff
- Duplicate payment attempts → Use idempotency keys to prevent double charging
- Refund requested → Process via Stripe API, update order status to "refunded"
Out of Scope
- Subscription payments (recurring billing)
- Save payment methods for future use
- Split payments or installments
- Cryptocurrency payments
- Invoice-based billing