Process Payment with Stripe

Paigo support Stripe integration as the payment transaction processor. Paigo uses Standard Stripe Connect to orchestrate the direct charge between software buyer and software seller.

Enable Stripe Integration

Navigate to Settings > Integration > Stripe in Paigo dashboard. Click Enable button. The browser will open in a new tab the onboarding site for Stripe authentication. See screenshot below for an example.
Fill in all the necessary business information, address, and payment so that Paigo will be able to process billing payment successfully. By authenticating and submitting all the required information, this Stripe account becomes a connected account on Standard Stripe Connect owned by Paigo. See more information from Stripe Documentation.
If there are issues with Stripe Integration or Stripe Authentication failed for some reason, follow the step to Disable Stripe Integration and re-enable as documented here.

Customer Stripe Account

Paigo also needs customer's Stripe account information to issue payment request to. To onboard a customer's Stripe account information, there are two steps as described below.
Step 1: Collect customer Stripe Account Information
A customer profile must exist under the Stripe account of SaaS business in order for Paigo to orchestrate the payment. Following these steps from Stripe Document to create a customer profile in Stripe.
  1. 1.
    Verify that the customer doesn’t already exist.
  2. 2.
    Click Add customer, or press N, on the Customers page.
  3. 3.
    At a minimum, enter your customer’s Name and Account email.
  4. 4.
    Click Add customer in the dialog.
After the creation of customer profile, it's recommended to use Stripe's no-code customer portal to ask customers complete their profile information such as payment methods. Follow these steps from Stripe Document to activate the no-code customer portal.
Note that it's important to ask customers to provide correct payment methods such as credit card information when their Stripe Account is onboarded in order to avoid failed charges or other errors in subsequent billing flows.
Step 2: Enter customer information in Paigo
Navigate to Customer > New Customer for new customer creation form. Follow the steps in Broken link to create a new customer. Pay special attention to the follow fields:
  • Payment Channel Select Stripe
  • Customer Stripe Account ID Set the account ID belongs to this particular customer. Account ID should be in the form of acct_xxxxxxxxxxxxxxxx

Issue Billing Payment

Paigo uses Stripe Standard Connect to orchestrate the payment between SaaS business and SaaS customers. The payment will be issues as a Direct Charge on the SaaS customer's account. Below steps describe how Direct Charge works. See Stripe Document for more information about Direct Charge.
  • Paigo uses Stripe API to create a charge on SaaS customers Stripe account so the payment appears as a charge on the SaaS business Stripe account directly (not in Paigo's account balance).
  • SaaS business' account balance increases with every charge.
  • SaaS business' account balance will be debited for the cost of Stripe fees, refunds, and chargebacks.
Paigo will issue a Direct Charge when an automatic or manual invoice is reviewed and approved. See Broken link for more information on the trigger of payment issuing. When there is correct payment information collected from customer Stripe account, the payment will automatically be used.
Paigo runs async process to monitor the payment transactions. If the payment is successful, Paigo will automatically update the invoice as paid.

Failed Payment Handling

In one or multiple of following scenarios, issued payment Direct Charge may fail.
  • Incorrect payment information on customer Stripe account
  • Incorrect customer Stripe account ID set in Paigo
  • Credit card declined the transaction
Paigo runs async process to monitor the payment transactions. Errors or disruptions to payment processing will appear in your system inbox within 12 hours of the payment processes. Paigo will provide detailed failure information to SaaS business for further action on retrying or other processing methods.

Disable Stripe Integration

Disabling Stripe Integration will prevent Paigo from successfully handling bill payment from SaaS customers.
Navigate to Settings > Integration > Stripe in Paigo dashboard. Click Disable button. Finally click the ok button to confirm disabling Stripe Integration. Once disabled, the Stripe Connect Reference ID will be cleared in the integration box.