💳 Stripe Payment Gateway Integration

The Stripe Payment Gateway enables secure online credit card payments by bridging your merchant account and payment processor. This feature-rich integration supports multiple saved cards, default card selection, and auto-recharge based on balance thresholds.

🔑 Key Features

• ✅ All-in-One Payment Solution
  Centralizes payment collection with seamless Stripe integration.

• 💼 Customer Portal Integration
  Allows customers to manage and save multiple cards from their account interface.

• 🔐 Secure Configuration
  Easy setup of sandbox credentials and environment toggle via: Configurations → Settings → Payment Methods

• 🔁 Auto Recharge with Protection
  Configure recharge amount and daily recharge limit. Integrated with fraud and dispute protection.

• 🛡️ Dynamic 3D Secure
  Ensures an additional layer of security during transactions.

• 💳 Saved Cards & Default Card Management
  Customers can save multiple cards and choose a default card for recurring or automatic payments.

🧩 Installation

1. Navigate to:
   Get Addons → Enterprise → Stripe Payment Gateway

2. After successful installation, re-login to activate the feature.

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⚙️ Configuring the Stripe Gateway

1. Go to:
   Configurations → Settings → Payment Methods

2. Enter your Sandbox Secret Key and Publishable Key.

3. Enable the Stripe option and click Save.

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🧾 Customer Top-Up Flow

1. Login as customer and go to:
   Accounts → Customer → Services → Top-up

2. Click on an existing top-up plan.

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4. Enter credit card details in the provided form.

5. Toggle Save Card: Yes to store the card for future use.

6. Click Pay Now to complete the transaction.

🔄 Managing Multiple Cards

• Customers can add multiple cards under their profile.

• One of the cards can be set as Default for automated billing and top-ups.

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📌 Note

Auto recharge is linked to the balance threshold set for the customer. When the account balance drops below the threshold, the system will:

• Automatically trigger a recharge using the default card.

• Recharge either a fixed amount or to maintain a minimum balance.

• Respect the maximum allowed refills per day.

(See previous section on Auto Refill Configuration for details)

⚙️ Configuring Auto-Recharge for Bill Payment

To configure the auto-recharge option for customer accounts, follow the steps below:

1. Navigate to:
   Accounts → Customer → Edit Customer → Alert Threshold

2. As shown in the screenshot below, the options "Email Alerts?" and "Balance Below" follow the default behavior. However, the fields outlined in the table below are required to set up Auto Refill functionality.

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🔧 Auto Refill Configuration Fields

🔄 Refill Modes Explained

1. Fixed Amount Mode

• A static, pre-defined amount is added to the account when the balance falls below the threshold.

• Example: If Refill Amount = $200, then $200 will be added each time refill is triggered.

2. Minimum Balance Mode

• Refills just enough to bring the balance up to the specified Minimum Balance.

• Refill Amount = Minimum Balance - Current Balance

Examples:

⏱️ Daily Occurrence Limit

• Prevents excessive refills by setting a maximum number of auto-refills per day.

• Once the set number is reached, no further refills will occur until the next calendar day.