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 to each product.

Commissions 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/her 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/her Stripe Account. To receive commissions, the client needs to be connected. If he/she is disconnected, he/she will not receive a 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. By clicking on the eye symbol, you will get a popup with status and order details.

View order details

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/she will be redirected to its PDF.

Print PDF

Commission status details

The user will be able to see a report of their commissions in My account, export it to a CSV file or as a PDF.

Commission reports

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

From 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 can 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’s 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.

 

YITH WooCommerce Multi Vendor

The integration with YITH WooCommerce Multi Vendor allows the admin to split the price of one or more products between the vendor and the admin immediately after the checkout and based on the commission rate that you’ve agreed with them.

First of all, make sure you’ve downloaded and installed the premium version of YITH WooCommerce Multi Vendor and configure your marketplace as explained on the official documentation of Multi Vendor plugin. Enable YITH Stripe Connect for WooCommerce from Plugins menu.

Configure it as explained on the page Connect admin account from the official plugin documentation.

Then, go to YITH Plugins > Multi Vendor > Gateways > Stripe Connect and click on Enable Stripe Connect to activate the service for your vendors.

Enable Stripe Connect

Make sure you set the redirect URI in your Stripe account. A warning message in the plugin settings panel will remind you about this and will show you the right address to add. It will look like this:

Redirect URI

Configure the URI from Stripe Connect dashboard.

The URI that you have to add to make Multi Vendor work correctly is not Stripe default URI, but an additional one. This means that if you remove the default one, the button Connect Stripe in My Account page will not work. Make sure, then, you do not remove it.

Redirect URI

Now, go back to General Settings section, and select the default payment gateway to use on checkout page for all payments. If you just have Stripe Connect, you’ll be able to see this one only, but if you have other compatible gateways enabled, you’ll be able to choose among all of them.

Choose default gateway

This is the gateway that will be used by default.

How do payments on checkout work?

Stripe provides a detailed description of what the whole process is about. You will find this explained in the plugin options panel under YITH > Multi Vendor > Gateways and can refer to Stripe official page for further details.

Send Money to vendor on payment completed
When creating charges on your platform and separately creating a transfer, the platform can earn money by allocating less of the charge amount to the destination Stripe account, as in the above code example. Assuming that represents a delivery service transaction, with a charge to the customer of $100, a transfer of $20 to the delivery person, and a transfer of $70 to the restaurant:

  1. The charge amount less the Stripe fees is added to the platform account’s pending balance
  2. When the platform’s available balance is sufficient (at least $90), the transfers can be made, reducing the platform’s available balance by the specified amounts and increasing both connected account’s available balances by that same amount
  3. The platform retains an additional $6.80 ($100.00 – $70.00 – $20.00 – $3.20, assuming standard U.S. Stripe fees).

Stripe payment details

Fees for the payment of commissions are charged to the admin. Please, refer to this page to learn more about transaction fees.

Payments on the backend

If, for any reasons, the payment of vendor commissions fails, or if there is no default payment gateway enabled, you’ll be able to use any of the supported payment methods to pay vendor commission on the backend list of commissions.

Methods available

It may happen for three reasons that you have commissions unpaid:

  1. You haven’t enabled any default payment method (the option Pay commissions to vendors during checkout has been set to Disabled)
  2. Your account did not have enough funds to pay all commissions.
  3. Your vendors haven’t activated their Stripe account yet.

Let’s see how to solve this latter issue.

What to do on Vendor side

Because of Stripe policy, every vendor has to explicitly authorize Stripe to be credited any payment to his/her account.

Note: this action can only be performed by the vendor and there is no way for the admin to do this on his/her behalf.

Make sure your vendor goes to their own Vendor Profile > Payments and click on the button Connect with Stripe.

Connect with Stripe

They will be taken to Stripe site. If they already have an account, they can simply log in. If they do not have any yet, they will be asked to create a new one:

account-stripe

Vendors will be able to see the very same button in their reserved area, My Account and will be able to export all transactions concerning their own commissions.my account - stripe connect

After the vendor has authorized Stripe account to receive money, you can go on and pay the commissions from the Commissions page.

Click on the button Stripe Connect that you find next to the commission line. If you click on that button, the commission will be automatically paid to the vendor through your Stripe account.

Pay from Commissions page

Please, refer to Stripe official page for any details about the payments and transaction fees.

Commission reports

If you want to, you can choose to show all vendor commissions generated to Stripe reports. Go to YITH Plugins > Multi Vendors > Gateways and check the option Add vendors’ commissions to Stripe Connect Commission Report. 

Commissions in Stripe reports

All commission payments gone through Stripe Connect will appear in your Stripe Connect Report that you can also find under YITH Plugins > Stripe Connect > Commissions.

paid commissions

YITH WooCommerce Subscription

YITH Stripe Connect for WooCommerce has been integrated with YITH WooCommerce Subscription in order to let you receive recurring payments and automatically charge your users’ card at the end of the scheduled billing cycle.

You simply have to install and activate both of them. Configure your subscription products as explained in Subscription documentation, configure Stripe Connect as explained here and your users will be able to use this payment gateway for their subscription products as well.

You will be able to perform the following actions on your subscriptions:

  • cancel: both the admin and the customers can cancel a subscription.
  • pause: both the admin and the customers can pause a subscription.
  • add multiple subscriptions to the same cart: any user will be able to add more than one subscription to the same cart and pay with credit card.
  • edit details of ongoing subscriptions: billing cycle, price, billing date, expiry date, subscription recurring amount.

Edit subscription details

You will be able to edit the following subscription information:

Recurring period: you can change the duration of the billing cycle and change it to a given number of days, weeks, months or years.

Start date: you can change the start date of the subscription. A note in the subscription details will keep track of this action. You will see a note with the following text: The start date has been changed from xx/xx/xxxx to xx/xx/xxxx.

Payment due date: change here the date of the next payment. The customer will automatically be charged on the new date you’ve set. A note in the subscription details will keep track of this action.

Expired date: you can change here the subscription expiry date here. Remove the date if you want the subscription to NEVER expire.
Please, note that if the subscription is already expired, changing the expiry date here will not re-activate the subscription, you will have to change it from the subscription Actions box on the right. Read more about this here.

You will also be able to edit the price of the recurring fee:

Edit price of ongoing subscriptions

Please, refer to the official documentation of YITH Subscription t for more details.

SCA Compliance

Renewal orders created with YITH Subscriptions are usually considered merchant-initiated payments and marked as off-session and so, as a general rule, they are exempt from double-factor authentication, but please, read more about the SCA regulation and recurring payments here.