Connect admin account

First make sure you enable the “Stripe Connect Gateway”, than you can connect your Stripe Account with our site application.

Enable Stripe Connect

If you do not yet have a Stripe Account, you can make one here. In order to make the plugin work, you need to connect the plugin with your Stripe Account.

In the top of your screen you will see several messages, you will need execute the two steps you´ll see in the image below.

In order to connect your Stripe Account. You can click on the given link, which will redirect you to the correct page in your Stripe Account.

Alert

API Keys

You will find a link under every API key field, the link will redirect you to the correct page on your Stripe Account.

API Settings

You will find a link under every API key field, the link will redirect you to the correct page on your Stripe Account.

Make sure “View test data” in your Stripe Account is disabled in order to go live. You can doubleckeck if it is disibled, if it says “Live mode client ID”.

Stripe dashboard

Connect user account

In order to make use of the Stripe commission payments, the user also needs to connect his/her account.

Go to My Account -> Stripe Connect -> Connect with Stripe.

Connect Stripe account

You will be redirected to the Stripe website where fill out the account form.

If you are an admin in testing mode, you can skip the account form to get acces to my account directly.

Skip account form

If you are not connected with your Stripe account, the admin will be unable to pay you your commission.

 

Test live mode

There is an option in the plugin to test out all your settings in a live test. To make sure all is set up well, before you go live and start working with accounts of real clients.

Follow the steps given underneath the API Key fields, they will redirect you to the correct page in your Stripe Account.

Enable test live

Make sure “Viewing test data” is enabled in your Stripe Account. You can doublecheck if it is enabled, if you see  “Test mode client ID”.

Enable Viewing Test Data

Label settings

In the label settings you can give a title to the bullet point in the checkout page.

label settings

You can also add the Creditcard logos you want to be displayed behind the title in the checkout page, as shown in the image below.

With the display “Name on Card” function, you can display the field where customers need to fill in the name of the credit card holder.

Checkout page

Payment settings

Decide after how many days you want the commission to be paid. If you leave it empty or fill in ´0´ there will be an instant commission payment.

Delay time

Later on you will be able to see the payment status of all of your commissions in the commission report.

Payment delay

Receivers

In the receivers tab you will be able to manage all receivers of commission and set up specific rules for each one of them.

receivers

For commission you can either choose for a fixed price or a percentage.

For Products you can choose one product (per user) or all products.

You can set one or more users/receivers for the same product, with a different commission rate. Per line you can only add one product (or all products), if you want to give commission on several products for the same receiver. You will have to add a new receiver for each product.

Commisions will be credited only to users with an account connected to Stripe

Add new receiver (admin)

To add a new receiver you will have to add his Stripe ID to make the connection.

add receiver

Connect account (client)

In the “My Account” page the client can find the link to connect with his Stripe Account. In order to receive commissions the client needs to be connected. If he is disconnected, he will not receive commission.

Commission

You will have an overview of all of your commission payments in the “commission report”.

Commissions

You can also check the status of all commissions.

Commission status

Pay directly

The admin also has the option to pay the commission directly. However this is only possible manually. If you click on the eye symbol, you will get a popup with status and order details.

View order details

In order to pay the commission directly, the admin only has to push the “Pay now” button.

Pay now commission

Print PDF

The admin will be able to print a PDF with the status details and order details. By clicking on the “Print” button, he will be redirected to its PDF.

Print PDF

Commission status details

Save cards

If you enable “Save Cards” in the plugin options dashboard, users can pay with one of their cards that they have used for previous orders (and saved).

Save-cards-option

This will spare them the trouble of entering their data once again during the checkout. They will be able to choose among the cards that have been saved during previous checkouts.

This is how it can look like on the frontend:

saved-cards-in-checkout

Users can refer to the complete list of credit cards used right inside the “Payment Cards” section on “My Account” page.

Add-payment-method

Clicking on “Make default” will make that payment method the default one for next purchases (no need to select it during the checkout).

Clicking on “Add new”, users will also be able to add the details of a new card, and the card will be available for future purchases as well:

Add-payment-method

You can also decide whether to show the cardholder’s name in the card form:

Display-Name-on-card

Name-on-card-frontend

SCA Compliance

Since version 2.0.0. the plugin is fully compliant with SCA (Strong Customer Authentication), but what changes for the user?

On 14 September 2019, new requirements for authenticating online payments have been introduced in Europe as part of the second Payment Services Directive (PSD2). So, based on specific conditions in the checkout, European customers might be asked to two-factor authenticate their payment with additional control, which will depend on the bank’s preferred system (e.g., a one-time code sent to their phone or fingerprint authentication through their mobile banking app).

This applies to all customer-initiated payments but does not apply to payments that are considered merchant-initiated, like recurring direct debits.

Recurring payments with YITH Subscriptions (v. 1.6.1 or greater)

Under this new regulation, specific types of low-risk payments may be exempted from Strong Customer Authentication. Payment providers like Stripe are able to request these exemptions when processing the payment. The cardholder’s bank will then receive the request, assess the risk level of the transaction, and ultimately decide whether to approve the exemption or whether authentication is still necessary.

The most relevant exemptions for internet businesses are:

  • Low-risk transactions
  • Payments below €30
  • Fixed-amount subscriptions
  • Merchant-initiated transactions (including variable subscriptions)
  • Trusted beneficiaries
  • Phone sales
  • Corporate payments

Please, refer to this section of Stripe documentation for more information about each of these exemptions.

Two additional exemptions apply regardless of payment amount and frequency:

  • You saved the card details before September 14, 2019
  • You explicitly tell Stripe the transaction is off-session (all recurring payments initiated by our YITH Stripe plugin are marked as off-session)

To learn more about SCA grandfathering, please, refer to this page.

Non-authenticated saved cards

For those customers that have saved their card details on Stripe before, it may happen that the bank will require them to authenticate also renewal orders with the same card, as the payment was not originally authenticated through this system. Our plugin gives users the possibility to authenticate the payment from My Account > Payment Methods, by simply clicking on the Confirm button, as shown below.

Non-authenticated renewal orders – Email

You can set up an email that will be sent whenever a recurring payment is stopped by the bank because it requires strong customer authentication. Thanks to it, you can make sure your customers get the right explanation about why the order requires these additional controls and guidance about how to go on with the authentication and payment.

The email will look like this, but you’ll be able to customize it from WooCommerce > Settings > Emails > YITH WooCommerce Stripe – Payment confirmation email and will include a Confirm Payment button that will let your customers authenticate the payment.

This is a preview of the email that you can send:

Email preview

Please, refer to Stripe official documentation about SCA for further details.

To read the full text of the European Directive about it, please, refer to this page.

YITH WooCommerce Affiliates

With the YITH WooCommerce Affiliates you will have an actual affiliation system on your shop in few steps. You could set a unique or different commission rate for each affiliate. The payment can either be done manually or automatically by using PayPal or Stripe.

Due to the integration with YITH Stripe Connect for WooCommerce you are also able to pay the affiliates (automatically) via Stripe Connect.

In order to make the two plugins work together, you only have to activate them both. After that, the possibility to use Stripe Connect as a payment method for automatic payments will appear.

You will see a couple of examples below:

payment option 1

Within the affiliates page, using the action symbols.

payment option 3

In the Affiliates > Settings > Payments.

payment option 2

Within affiliates > Commissions > Bulk actions.

For more information on  how to install the Affiliates plugin, take a look a the full documentation here.