Stripe Setup

Stripe is the recommended payment gateway for accepting credit and debit cards.

Why Stripe?

• Accept Visa, Mastercard, American Express
• International payments
• Automatic currency conversion
• Secure, PCI-compliant
• Fast payouts to your bank

Prerequisites

1. Stripe account (stripe.com)
2. Completed Stripe business verification
3. Bank account connected for payouts

Setup Steps

1. Get Your API Keys

1. Log in to Stripe Dashboard
2. Go to Developers > API Keys
3. Copy:
   • Publishable Key (starts with pk_)
   • Secret Key (starts with sk_)

Test vs Live Keys

Use test keys (pk_test_, sk_test_) for testing. Switch to live keys (pk_live_, sk_live_) for real payments.

2. Configure Webhooks

Webhooks notify Pintas when payments complete.

1. In Stripe Dashboard, go to Developers > Webhooks
2. Click Add endpoint
3. Enter URL:

   https://pintas.turbospark.my/api/stripe-webhook

   (Replace with your domain if using custom domain)
4. Select events:
   • checkout.session.completed
   • payment_intent.payment_failed
5. Click Add endpoint
6. Copy the Signing secret (starts with whsec_)

3. Add Keys to Pintas

1. Go to Settings > Payments
2. Enable Stripe
3. Enter:
   • Publishable Key
   • Secret Key
   • Webhook Secret
4. Save

4. Test the Integration

1. Create a test order
2. Select card payment
3. Use Stripe test card: 4242 4242 4242 4242
4. Any future expiry, any CVC
5. Complete payment
6. Verify order shows as Paid

Stripe Test Cards

Card Number	Result
4242 4242 4242 4242	Successful payment
4000 0000 0000 0002	Declined
4000 0000 0000 9995	Insufficient funds

Troubleshooting

Payments Not Updating

Issue	Solution
Webhook not configured	Add webhook endpoint in Stripe
Wrong webhook URL	Verify URL matches your domain
Secret mismatch	Re-copy webhook secret
Webhook failing	Check Stripe webhook logs

Viewing Webhook Logs

1. Stripe Dashboard > Developers > Webhooks
2. Click your endpoint
3. View recent deliveries
4. Check for errors

Payment Failed

1. Check Stripe Dashboard for error message
2. Common issues:
   • Card declined
   • Insufficient funds
   • 3D Secure failed
   • Currency not supported

Fees

Stripe charges per successful transaction:

• Malaysia: 2.9% + RM1.00
• International: 3.9% + RM1.00

Fees deducted automatically from payments.

Payouts

Stripe sends funds to your bank:

• Malaysia: 7 business days
• Can be configured in Stripe Dashboard

Going Live

When ready for real payments:

1. Complete Stripe business verification
2. Switch to live API keys
3. Update webhook with live endpoint
4. Test with real small payment
5. You’re live!

Pro Tip

Keep test keys saved separately. You’ll need them for testing new features.