anon313: I got asked for it when I opened my last account and I verified my identity with Facebook, and have been using Stripe for years, pretty normal
anon313
@markin thanks for explaining
toschu
ok but if i only have a bank account in germany on every transaction the money conversion from euro > usd and from usd > euro?
koopajah
no if you have a bank account in germany you can charge in EUR directly
you don't have to charge in USD
markin
toschu: if you have a euro bank account and you charge in euro, then there is no conversion
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koopajah
But if that's what you decide to do then yes you would have to pay the transfer fees
toschu
oh ok
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i have a bank account in germany and primary german customers. they pay in euro. so ther is no conversation?
koopajah
exactly
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kephra
toschu, stripe might not make sense in Germany, because Einzugsermaechtigung is much cheaper
and much more common then credit cards
toschu
the problem is that stripe is a part of an software i will and must use
kephra
so you need the ugly Germany banking software in addition
as told many Germans (e.g. me) do not have a credit card, and do not want one
toschu
yes i know it germans dont like to use it online! thats a big problem for me with stripe in germany / eu
thats the reason why rocket internet clone stripe (paymill)
for eu
with which banks operate stripe together? There are also European banks or is that money is always in the usa ?
sorry my bad english! shame on me!
markin
for germany its Valitor hf
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toschu
ok much thanks @ all of you for your help! but back to the conversion fee. ther are extra fees for conversion or you mean the normal / possible difference in exchange rate?
koopajah
"In Germany, you can accept payments in 100+ currencies. Fees remain the same, but conversion incurs an extra 2% fee atop market exchange rates."
there is a 2% conversin fee to change from the currency you charge in to the currency your bank supports if it needs to be changed
toschu
oh ok
i dont see it befor sorry.
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thank you a lot for the good informations and fast support! i will now ask stripe per email if ther some planes to bring a alternativ to credit card to germany / europe. much thanks!
koopajah
sure thing!
toschu
some last question. if i have -500 euro on my stripe account becaus a use auto bank transfer ther are any fees if ther longer - on the account? or how that works? i ask because in germany stripe dont get the money from my bank if thers -500. so i get any informations or fees?
koopajah
no there are no fees linked to this AFAIK
toschu
hmm but if your bank has -500 euro and the money is on my bank account you wait wait and wait? cant beleve this. sounds like like a credit without fees!?
markin
toschu: i'm sure after some time, stripe will send you a nice email
koopajah
toschu: based on the fact that your business is relying on Stripe, we would wait for you to charge more money and use that to recover
if you stopped taking any charges I guess we would get in touch and see how to solve this
toschu
yes thats totaly ok! but i think thers some basic fees for - on account.
ok for now thank you! and sorry my english. realy good support! much thanks! have a nice day!
koopajah
don't worry about your english and keep hanging out on IRC it will improve quickly :)
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Guest15902
Hello. I need help creating a token.
I am under the impression that I send the form data to Stripe server and you guys send back a token?
markin
Guest15902: have you taken a look at Stripe.js?
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Guest15902
Yes, I have looked at Stripe.js.. I'm wondering where to send the form data in the action attribute? I don't exactly want to save it to my mongo DB.
markin
So with stripe.js you intercept the form submission with javascript, then call the stripe.card.createtoken method, and once you have the token you actually submit the form
Guest15902
Submit the form to what address?
markin
Once you have the token you submit it to your own code
You don't submit the form to Stripe
You call a javascript method on the form to get a token
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Guest15902
Hmm.. That's what I did, and it does not seem to be getting a response or status of any sort.
I thought that maybe I was doing something wrong and I needed to send it to stripe.
Yes, exactly. I have even imported a JQuery package to make things simpler.
It doesn't throw any errors, I just can't see what the response/status is, nore do I know how to pass it to the stripeResponseHandler
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markin
The stripe response handler is at the bottom of that tutorial, it handles error
Guest15902
Ok, thanks. I guess there's no way to not store cc info on my server. :(
markin
Guest15902: no, you should never store cc info on your server
Guest15902
then why is the form action posting to my own code?
instead of a stripe https server?
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is that just the token?
markin
Stripe.js will send the card data to its server, that is what the stripe.card.createtoken token does then it submits the token to your server
You should note that in the example the credit card fields don't have a "name" attribute so they don't get sent to your server
Guest15902
yes, i understand. the issue is 2 fold. 1. i'm not getting the response/status from the method stripeRequestHandler that is called in the stripe.card.createtoken
whitefinch
Hey, I recently purchased an SSL cert through Comodo (Rapid SSL) and on Stripe's FAQ, it mentions something about "should work well on mobile browsers, where many other certificate providers fall short" -- does the RapidSSL suck? I have had a handful of customers say they pay us, but I never see the transaction in stripe...
Guest15902
2. is the token sent from stripe what is being stored from the form post?
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whitefinch
Anyone ever use an SSL cert NOT from namecheap / digicert with stripe?
markin
whitefinch: that doesn't sound like an ssl issue. An ssl issue would prevent your site from loading
Guest15902: the token is sent in the form post, have you seen the full example? Its linked at the bottom of the post
Guest15902
ok, thanks. that makes sense.
whitefinch
markin: Yeah, that's what I thought. I've tried it time and time again without issue but there are a handful of clients that always seem to have difficulty using it...
markin: what if someone tried to use an android tablet and the ssl cert didn't "support" that device...? would the payment go through?
markin
whitefinch: the user would get a nasty warning that the browser couldn't verify your ssl certificate
whitefinch
yeah, never heard them say anything about warnings...ugh. Idk why it doesn't work with them...
markin
Do you see a token being generated in Stripe? Does your server log the token being received? That would help narrow down where the issue is happening
whitefinch
I use the WPStripe plugin for wordpress...
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mayhem181
Hello, is there anyone available to provide some assistance?
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If I use PHP to implement the "checkout" method, would I have to install PHP on my web server?
markin
mayhem181: you would need some sort of server side code