Payments using Stripe.com
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Technology on integrating Stripe.com's payment API with a a ColdFusion application. Presented at cf.Objective() 2012
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Payments using Stripe.com
- 1. Payments made easy(er) Billy Cravens cf.Objective() 2012
- 2. Who am I? • Billy Cravens • ColdFusion since 4.0 (1999) • Houston CFUG manager • Former DFWCFUG board member • Other languages: PHP, .NET; node.js ninja in training • Remember the Wrox book?
- 3. Challenges of payment processing • security • infrastructure • storage
- 4. The Past • The worst - Form posts with no integration • Pre-web service options • Cybercash and others • Modern payment gateways • Authorize.net
- 5. The Past • PayPal • Disruptive • Integrated • Other services • Google Checkout/Wallet • Amazon • Complicated APIs
- 6. Disadvantages of other solutions • Software • Leaving the web stack • Security • PCI compliance • Cost
- 7. Disadvantages of other solutions • User experience • Disrupt your brand • Chargeback concerns • Credit issues and other limitations
- 8. The Web 2.0 Way • no binary solutions • no SOAP/XML solutions • REST • standards
- 9. Goals • Web 2.0 way • Use our existing stack • Control user experience • Keep it cheap
- 10. Web 2.0 Payment Processing options • Square • Not for website, but worth a mention • Low cost card swiping on smart phones/tablets • free reader, cheap service
- 11. Noca • Cheap • Credit cards and checks • Credit cards: 2.99% • Checks: 1.49% • Forms rendered on Noca’s end • “Marketplace” concept
- 12. Noca • Sign up for account at Noca.com • Confirm deposits and create password
- 13. Noca • Forms rendered on Noca’s end • Send user to Noca’s site (like PayPal) • “Advanced integration” • Returns HTTP POST to callback URL (replyTo)
- 14. Noca • form scope variables at callback URL: • merchantIdentity • status • transactionId • statusDescription • statusText • invoiceId • merchantReference • totalAmount • currency
- 15. Noca • “Marketplace” concept • Sandboxed and live environments
- 16. Stripe • Cheap • Credit cards only • Most popular • Developer focused
- 17. Stripe • Sign up at Stripe.com • Quick form • Can play with without signing up • No confirmation needed (until move to “live” status)
- 18. Stripe • stripe.js to generate token • REST API/total control, but PCI/security issues • Returns a token representing card details • Handles purchases and subscriptions - REST • Sandboxed and live environments
- 19. Stripe - Actions • Customers • Charges • Plans • Coupons • Transfers
- 20. Stripe • All actions can be performed programatically or via web console, including charge
- 21. Stripe - WebHooks • Not all events occur in real-time • Specify WebHooks to listen to events • Passed a JSON object describing event • Respond with a 200 status code
- 22. Stripe • Provide bank details to go live •
Editor's Notes
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- Cybercash - old example from CF WACK\n
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