Stripe

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If you are looking for easier and more modern ways to let your constituents give, we now have the ability to complete transactions in Encompass using ApplePay, GooglePay, or MicrosoftPay through the Stripe Payment Gateway.

Stripe is our newest Payment Gateway partner, and we have just enhanced the integration with Stripe to allow for digital wallets to be used to complete transactions through your Encompass site.

What are the benefits of implementing Stripe?

  • Enhanced compliance, including PCI and SCA
    • Customers needing to meet certain compliance guidelines due to their geographical location should work with their Stripe account manager and iModules CSM to ensure that you are set up in the best way to meet all rules and regulations.

  • When set up as your primary gateway you:
    • will utilize Stripe Checkout which will streamline the online payment process.
    • will provide Credit Card, Apple Pay*, Google Pay* and Microsoft Pay* as payment options.
    • will handle the entire transaction; all transaction details are stored within Stripe, not Encompass.

  • When set up as a secondary gateway you:
    • will continue to utilize the Encompass workflow when it comes to billing.
      • The final step of a form will display PayPal (if activated), otherwise the user will advance to the billing page which will allow for credit card number entry, or show any digital wallets compatible with the user's device.
    • will keep transaction details and recurring payment triggers inside of Encompass.

What are the requirements of implementing Stripe as a payment gateway?

You will need the following:

  • an activated merchant account with Stripe.
  • a bank account belonging to institution to link to Stripe (must be in same currency you are collecting money in).
  • production API public key and secret token will be needed for setup.

Do I, the customer, need to do anything to configure the digital wallet options?

Encompass has been coded to allow Apple Pay, Google Pay, and Microsoft Pay by default. No work is needed by you, the customer, to change this. If you want to block Apple Pay or Google Pay, then you have the ability to do this from your Stripe Dashboard.

What are the requirements for users to be able to use digital wallets to complete a transaction?

Digital Wallet Type Primary Gateway Secondary Gateway
Apple Pay Mac:
  • Requires user to be on macOS 10.12.1+ or iOS 10.1+
  • Safari on Mac running macOS Sierra or later
  • An iPhone or iPad on with a card in its Wallet paired to your Mac with Handoff, or a Mac with TouchID

iOS:

  • Mobile Safari on iOS 10.1 or later
  • A card in your Wallet, by going to Settings → Wallet & Apple Pay
Mac:
  • Requires user to be on macOS 10.12.1+ or iOS 10.1+
  • Safari on Mac running macOS Sierra or later
  • An iPhone or iPad on with a card in its Wallet paired to your Mac with Handoff, or a Mac with TouchID

iOS:

  • Mobile Safari on iOS 10.1 or later
  • A card in your Wallet, by going to Settings → Wallet & Apple Pay
Google Pay

Desktop / Laptop:

  • Chrome 61 or newer
  • A Saved Payment Card

Android Device:

  • Chrome 61 or newer
  • An Activated Google Pay Card or Payment Card

Desktop / Laptop:

  • Chrome 61 or newer
  • A Saved Payment Card

Android Device:

  • Chrome 61 or newer
  • An Activated Google Pay Card or Payment Card
Microsoft Pay

Desktop / Laptop

  • Microsoft Edge 16.16299 or newer
  • A Saved Payment Card

Desktop / Laptop

  • Microsoft Edge 16.16299 or newer
  • A Saved Payment Card

Can I use PayPal alongside Stripe?

Upon initial release, PayPal will only be available for customers using Stripe as their PRIMARY gateway. PayPal can then be configured as a secondary Gateway and will work just the same.

Currently in development is the ability to configure PayPal when configuring Stripe using the "Create New Gateway" form in Encompass. There will be an optional PayPal section where you can enter your current PayPal credentials. Adding your credentials here will allow PayPal to be visible on your payment forms. PayPal will either appear on the final step of the form (if using Stripe as primary gateway), or under the "Payment Methods" section on the billing form along with any other compatible digital wallets (if using Stripe as secondary gateway).

Adding PayPal through the Stripe form will push payments through PayPal's newer PayPal Express Checkout, vs the standard PayPal checkout that is currently being used. The difference between PayPal standard vs Express checkout is that users will be directed to PayPal from your site, but they don’t complete checkout at PayPal. Instead, users approve a purchase at PayPal, then they’re directed back to your site with a token (this token is passed to your site behind-the-scenes). The token can be used by your site to submit a final payment to PayPal after the fact.

If I want to set up a Stripe account, who do I contact?

If you wish to setup a Stripe account, please use this link and complete the form. The Stripe Sales team will contact you and walk you through the setup process.

How does reporting differ from other gateways?

 Stripe will document and report on transactions in a similar way to PayPal, the added benefit of Stripe is that we are able to display the payment type when a transaction runs through Stripe verses returning an UNK type when using PayPal.

At my institution we use Bluefin devices to enter credit card data for processing, is this still an option if we switch to Stripe?

For customers using Stripe as a Primary Gateway:

As Stripe is a hosted gateway, Bluefin devices are unsupported as the entire transaction takes place within the Stripe checkout form. This is consistent with all other hosted gateways that we support.

For customers using Stripe as a Secondary Gateway:

Stripe as a secondary gateway will only provide access to compatible digital wallets (not credit card payments through Stripe). Again, as you are using a hosted gateway (Apple Pay, Google Pay or Microsoft Pay) to make that transaction, Bluefin devices are unsupported. If however you decide to by-pass the Stripe payment options and enter credit card information to your Primary Gateway, Bluefin devices will work the same as before (as long as they are on a compatible mode). For more information on Bluefin devices please read our support page here

 

Setting up Stripe as a Payment Gateway in Encompass

In order to setup Stripe as a Payment Gateway you will need to have "Payment Gateway Admin" rights.

  1. Hover over the gold key in the top right of Encompass and select "Payment Gateways" under the Commerce heading.
  2. Click on the "Create Payment Gateway Account" button at the top of the Payment Gateway grid.
  3. Complete the Payment Gateway Account form as follows:
  • Payment Gateway: Select "Stripe Checkout" (this is the new Stripe option - the original "Stripe" will have different functionality than is outlined in this document).
  • Public Key: Stripe's "Publishable Key"
  • Secret Key: Stripe's "Secret Key" 
  • Country: Will default to US
  • Currency: Will default to usd. A list of valid currency options with Stripe can be found here.
    • Please note that currency cannot be capitalized (needs to be usd instead of USD)

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Configuring Apple Pay to display in Encompass:

  • Select "Settings" in your Stripe Dashboard and "Payment Methods" under "Payments and Payouts"

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  • Find "Apple Pay" in the list and click on "Configure"

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  • Select "Add New Domain" in the top right and add your domain to step 1 of the form.
    • As Encompass uses different URL's depending on the form you are on, you will need to add 2 new domains - 1 for your site domain (collegex.imodules.com) and 1 for the secure domain (note: this will be securelb.imodules.com for customers with non-branded sites, and the individual secure branded domain for customers using branded sites).

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  • Ignore steps 2 and 3 - as iModules' hosts all customer sites we already have the Stripe verification file stored on our servers. Once you have added the domain to your Stripe Dashboard, Stripe will reach out to iModules' servers to validate that the file is present.
  • When this validation is completed (which should be instantaneous) you should see the ApplePay option appear as a payment option when you complete a transaction through Encompass (as long as you are on a compatible Apple Device, running a compatible OS and using Safari - compatibility document can be found here).
    • Note: Although we have taken steps to ensure that all customers can activate ApplePay with no impediments, there may be some edge cases where domains are not verified. For these cases, a bug should be created and marked as a Blocker. Dev will make the necessary changes and a hotfix will be deployed to allow verification to be completed.

Branding Options for Stripe Checkout

If you would like to make Stripe Checkout more personalized to your institution, then you can do so by going to "Settings" > "Checkout Settings" > "Branding Settings".

This page allows you to upload a logo and icon and customize the color of the "Pay" button to match your school colors.

By default, the icon is what will be displayed on the checkout. If you want to use your logo instead then there is a "Use logo instead of icon" checkbox under the checkout example.

The next time you make a test transaction and get redirected to your checkout it should now have your school logo and use the color you selected for the "Pay" button.

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Billing Process Screenshots

Below are screenshots for the Primary and Secondary experience.

Primary

Stripe will document and report on transactions in a similar way to PayPal, the added benefit of Stripe is that we are able to display the payment type when a transaction runs through Stripe verses returning an UNK type when using PayPal.

stripe_primary_apple.png

Secondary

Donation forms will remain the same except for final page (prior to billing), where users will be given a choice to pay with any compatible digital wallets.

Apple Device with credit card activated in wallet:

stripe_secondary_wallet.png

Users using Chrome browser with cards active in Chrome Pay:

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Note: Google Pay is not an option for customers using Stripe as a secondary gateway, however Chrome Pay is an option. This is shown as a purple "Pay Now" button at the bottom of the form.

Chrome Pay (although similar) is not the same as google pay. In order to use Chrome Pay you must have credit cards linked to the google account you use to log into Chrome.

To see which payment options you have available in Chrome Pay, click on the avatar in the top right of the browser and select the "Payment Methods" icon:

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In the page that opens, select "Add" to add new Payment Methods. These cards will then be displayed at the bottom of the form. It is these payment options that will be available when you select to pay using Chrome Pay.

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Selecting the compatible digital wallet logo will launch that wallet to initiate the transaction.

If they don't want to use a digital wallet (or are not on a compatible device) then selecting the "Save and Continue" button will let them continue to the regular payment page.

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