What is Stripe?

Stripe is a credit card processor for web and mobile. They process billions of dollars a year for thousands of companies of all sizes. One of the best things about Stripe is their awesome set of APIs, which allow developers to build tools that do more with Stripe – that’s what we’ve done with this app. You will need a Stripe account to use PayNow for Stripe, and a key thing to keep in mind is that it’s Stripe doing the real work. PayNow is just a nicely designed mobile app interface you can use to talk (send a credit card charge) to Stripe. Learn more at stripe.com.

Is PayNow for Stripe secure?

Yes, it is secure. Stripe is certified to PCI Service Provider Level 1. This is the most stringent level of certification available. When you use PayNow for Stripe, no card data (or other sensitive data) is ever stored on your device – the app uses Stripe’s mobile library to convert card data to a single-use token which is then safely and securely passed to the Stripe server for processing as a card-not-present (CNP) transaction. To learn more, visit Stripe’s documentation and security practices.

What currency can I use?

With PayNow for Stripe, you can accept payments in any currency supported by Stripe in your location. Briefly, there are 138 supported currencies for US & Europe, and 117 supported currencies for Australian users. Please view the full list here.

How much does it cost?

PayNow for Stripe app adds a fee of 0.5% per transaction. The app is free to download.

Stripe has its own costs, which are outlined on their website here.

Stripe has no set up fees, no monthly fees, no refund fees, and no hidden costs.
All up, this is about as cheap as it gets for processing credit cards.


When do I get the money?

Stripe adds funds to your bank account on a rolling basis. You can set the frequency of these transfers in the Transfers tab of your Stripe dashboard. From there, you can also view all transfers from Stripe to your bank account.

Do you support NFC or EMV and magstrip card readers?

PayNow supports NFC – simply tap any card with the PayWave/PayPass logo to the back of your NFC capable device until it beeps and it will fill the card details. From there you can send the charge to Stripe to be processed as a card-not-present transaction. For anyone without NFC you can manually enter the card details or use your device camera to auto populate. Given that these three methods are already implemented we’re not planning to add a swipe card reader – that’s a technology on the decline with NFC on the up. We do plan to add ApplePay and AndroidPay support in the near future.

How can I test my setup?

Easy! Use the switch on the charge card screen to switch between test and live mode. Use the test card details found here. Note that Stripe does not send email receipts in Test Mode.

Can I disconnect my Stripe account from PayNow?

Yes. Login to your Stripe Dashboard then visit Account Settings > Connect > Connected Applications > and use the cross icon to revoke access to PayNow.

Disconnecting your Stripe account from PayNow will mean you can no longer use the app to take payments. It’s sensible to disconnect if you no longer wish to use the app, or if you want to connect a different Stripe account to the app instead.

Will fraudulent card charges be rejected?

Stripe provides a suite of tools called “Radar” to help monitor and catch fraudulent charges, minimizing declined payments. These include tools that allow Stripe to auto-reject suspicious transactions and notify you of questionable charges so that you can make the most informed decision possible as to whether accept a charge. There are also tools that you can implement in your own Stripe account, including CVC or AVS checks. More information here.

Do customers need a Stripe account?

No. All they need is a valid credit card or debit card with the Visa or Mastercard logo.

How do I get a Stripe account?

That’s easy! Visit stripe.com to get started.