A Comprehensive Guide to Set up Stripe for WooCommerce

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Reliable payment options are a MUST in the world of online shopping. Thankfully, WooCommerce has a ton of choices to meet your requirements. 


If you’ve chosen Stripe as your go-to, perhaps because of its easy-to-use interface and affordable transaction costs, this article is here to break down the step-by-step procedure for integrating Stripe and WooCommerce. 


But, to begin, let’s look at a few reasons to choose Stripe for payments in the first place. 


Why Integrate Stripe for WooCommerce




With Stripe you can rest assured you and your customers’ data are safe and secure. This is because Stripe is audited by the most stringent compliance regulators and certified as a PCI Level 1 Service Provider.


Furthermore, all your sensitive data and communications stay encrypted as Stripe requires SSL or TLS for all of its services.




For verification purposes, stripe collects information like government ID, bank details, and customer information such as name, age (if you sell age-restricted items), bank details, and transaction histories. 


Stripe collects and uses this information to detect fraud and to send it to business owners when a customer authorizes it for advertising etc. 




Lastly, stripe remains one of the most favored payment gateways because of its simple flat pricing structure. While the exact figures occasionally fluctuate, here are some key points to take: 


  • There are no set-up fees or regular charges. Instead, stripe operates a pay-as-you-go engagement model.


  • As of February 29, 2024, this pay-as-you-go transaction fee is 2.9% + 30 cents for card transactions and 2.7% + 5 cents for in-person payment methods in the US. An additional 1% is charged for international cards and another additional 1% for conversion charges. Note: costs also vary depending on the country, payment method, and bank.


Payment cycles 


As usual, payment cycles vary depending on the country and the risk level in your location i.e. high-risk locations can have 14 payout cycles. However, generally speaking, the first payout for every new stripe account takes 7 days after successful payment. 


Whereas, subsequent payments are dispersed within 7 – 14 days depending on your industry.


Creating a Stripe Account


Creating a Stripe Account


Establishing a Stripe account is required for a smooth integration of Stripe into your WooCommerce website. Here are the steps:


1.Go back to your newly created Stripe account and begin the crucial process of enabling payments. Although it is possible to skip this step, we strongly advise doing so to guarantee smooth payment acceptance. 


2.Provide the necessary information, such as your registered business address, business type, and structure, to strengthen the foundation of your company. 


3.Provide essential details like your employer ID, registered business address, and legal business name to help others understand the intricacies of your company.


4.Assure effective communication inside your company by assigning a point of contact and, if necessary, providing the details of other business owners.


5.Select the best fulfilment options since this ensures client happiness and guarantees a seamless transition from purchase to product or service delivery.


6.Create a statement descriptor for your customers that instantly identifies your brand and is consistent to leave a lasting impression.


7.You can merge with your favourite bank or manually enter your bank credentials.


8.Use two-step verification, as it provides extra security. Do so either via SMS or an authenticator app.


9.Turn on sales tax computations to simplify your tax preparation. However, it is optional.


10.Complete the remaining fields as necessary to complete the transaction, then click “Submit.”


How to Obtain Stripe API Keys


After setting up your stripe account, take the following steps:


1. Once you log into your stripe account, check that you’re in “Test mode,” which provides an ideal environment to test and improve your integration.


Test mode


2. Next, go to the “Developers” tab in the Stripe dashboard, which you can find next to the “Test mode” setting.




3. Then, select “API keys” from the navigation menu.  This is where you’ll find the “Publishable key” – under the “Standard Keys”. It is necessary for smooth integration. 


API keys


4. To complete the process, press the “Reveal test key” button to reveal the “Secret key.” Now that you have this key, you have the last component needed for a reliable Stripe integration.


Requirements to add Stripe to WooCommerce


Choosing the Ideal Plugin  


There are several WooCommerce Stripe connection plugins, each with distinct advantages. Your decision will depend on the range of features they provide, as each one is tailored to satisfy unique business requirements. 


You may consider the WooCommerce Stripe Payment Gateway, which is widely known for integrating seamlessly with subscription plugins and is a great option for companies that sell apparel or accessories. 


Assurance of SSL Security


It is essential to confirm that an SSL certificate is present before integrating. Getting an SSL certificate is not just advised: it strengthens the security of your online transactions by encrypting communications. 


Given the seriousness of cyber threats, this is an essential addition to your website.


Verify Your Current Version


WooCommerce versions 2.2 and up are required. Only WooCommerce versions 2.2 and higher are eligible for refunds through Stripe, so make sure your website is up to date. An updated website also offers further advantages of improved security and fewer bugs.


How to add Stripe to WooCommerce


How to add Stripe to WooCommerce


The WooCommerce Stripe Payment Gateway is a flexible plugin that is perfect for e-commerce retailers looking for simple payment options.Here’s how to integrate the plug-in:


Enabling the Plugin


  1. Go to the WordPress dashboard’s “Plugins” section.
  2. Go to “Add New” and type in “WooCommerce Stripe Payment Gateway.”
  3. To start the integration process, install and activate the plugin.


Connecting to Your Stripe Account


  1. Navigate to your WooCommerce dashboard’s “Payments” tab.
  2. Turn on the option for Stripe (Credit Card).
  3. To easily log into your Stripe account, simply follow the instructions.


Enable WordPress Test Mode 


  1. Find the WooCommerce logo on the left-hand side of your WordPress dashboard.
  2. Press and hold the logo to select “Settings.”
  3. Go to “Payments” and choose “Stripe (credit card).”
  4. Within the Stripe settings, select the “Settings” tab.
  5. Find “Edit Account Keys” under the general section and click on it.
  6. To start test mode, select the “Test” tab in the pop-up box.


Configuring Test API Keys


  1. Go to the Stripe website and select “Developers” from the menu in the upper-right corner.
  2. Click the Test Mode switch in the upper-right corner of the page to turn it on or off.
  3. Choose the “API Keys” tab from the menu on the left.
  4. Copy the publishable and secret keys provided.
  5. Return to your WordPress admin dashboard and go back to the Stripe settings.
  6. Paste the copied keys into the slots marked for the test publishable key and test secret key.


Configure Test Webhook


  1. Go to your WordPress admin panel and open the Stripe settings page.
  2. Copy the webhook endpoint URL mentioned in the settings.
  3. Go to your Stripe developers dashboard and then to the Webhooks tab.
  4. To start the setup procedure, click the “+ Add Endpoint” button.
  5. Paste the copied endpoint URL into the designated field.


Select Events


Choose the events that best suit your company’s requirements to strengthen your integration. To make sure your integration runs without a hitch, follow these steps:


  1. Start by going over the list of events shown below.
  2. Choose the most recent API version as a top priority for maximum performance.
  3. Once the desired event has been completed, click “Add Endpoint” if it is not shown.
  4. For your integration, Stripe advises incorporating the following events as a baseline:


  • source. chargeable
  • source. canceled
  • charge. succeeded
  • charge. failed
  • charge. captured
  • charge. dispute.created
  • charge. dispute.closed
  • charge. refunded
  • review. opened
  • review. closed
  • payment_intent.succeeded
  • payment_intent.payment_failed
  • payment_intent.amount_capturable_updated
  • payment_intent.requires_action
  • setup_intent.succeeded
  • setup_intent.setup_failed


Payment Plugins for Stripe WooCommerce


A strong substitute for the standard WooCommerce Stripe Payment Gateway is the Payment Plugins for Stripe WooCommerce.


This plugin, which is powered by Stripe, has several capabilities, such as support for WooCommerce Pre-Orders, Blocks, and Subscriptions.


Furthermore, it enables instalment payment plans in some countries, offering more flexibility to both consumers and retailers.


How to Begin Integrating


Start the integration process by doing these easy steps:


Set up and turn on

  1. In the Plugins directory, look for “Payment Plugins for Stripe WooCommerce.”
  2. To begin the plugin configuration, click “Install” and then “Activate”.


Set up test API keys


To access your Stripe account, click Connect to Stripe. This will establish a connection using your test webhook and API keys automatically.


Connect to Stripe


Check the payment gateway:


You may now test your customer’s checkout and payment procedure. 


Include the webhook URL.


  1. From the dashboard of your plugin, copy the webhook URL. 
  2. On the Stripe developers dashboard, navigate to the + Add Endpoint section. 
  3. In the endpoint URL area, paste it.


Choose the occasions


  1. From the list below, check all the events you wish to attend. 
  2. When you’re finished, click Add Endpoint, and choose the most recent API version if it appears. 
  3. Stripe states that the bare basic requirements are:
  • source.chargeable
  • source.cancelled
  • charge.succeeded
  • charge.failed
  • charge.captured
  • charge.dispute.created
  • charge.dispute.closed
  • charge.refunded
  • review.opened
  • review.closed
  • payment_intent.succeeded
  • payment_intent.payment_failed
  • payment_intent.amount_capturable_updated
  • payment_intent.requires_action
  • setup_intent.succeeded
  • setup_intent.setup_failed


Selecting the Ideal Payment Gateway for Your Woocommerce Configuration


A number of important considerations are involved in configuring Stripe with WooCommerce: price, functionality, administration capabilities, and acceptable payment methods. 


To make sure you select the ideal option for your online store, let’s examine these factors in more detail:


Cost considerations


Ensure you look into all payment options for the plugins. It’s important to remember that WooCommerce Stripe Payment Gateway and Payment Plugins for Stripe WooCommerce may charge for subsequent extensions.


Administrative Features


WooCommerce Payments provides easy-to-use transaction management through a simplified dashboard that is immediately integrated into your admin panel. By comparison, the other plugin needs transaction oversight to be done through the Stripe dashboard.


Accepted Payment Options


WooCommerce Stripe Payment Gateway tops the field in terms of accepted payment options since it supports a large number of payment methods, such as major credit cards, Microsoft Pay for desktop users, Diner’s Club, AliPay, and AliPay. This ensures that your customers have freedom.


Functionality and Extensions


For sophisticated functionality like subscriptions, both the WooCommerce Stripe Payment Gateway and the Stripe Payment Plugin for WooCommerce may need extra extensions. It’s critical to think about your unique requirements and whether these additions support your company’s objectives.


Why Use WooCommerce and Stripe?


Why Use WooCommerce and Stripe


Why do WooCommerce and Stripe work so well together? Let’s look at the several benefits:


1.The WooCommerce Stripe plugin allows you to accept credit and debit card payments directly, optimising your clients’ checkout experience.


2.With Apple Pay compatibility, you may reach a larger audience while also providing a convenient payment alternative to Apple device customers.


3.Accepting payments using Alipay, a popular payment option in China, will help you expand your global reach.


4.You also enjoy the benefits of an on-site checkout process, which improves customer experience and lowers cart abandonment rates.


5.There is a straightforward payment system and low transaction costs, ensuring cost-effectiveness for your company.


6.Stripe is a reputable payment method used by thousands of consumers worldwide, providing secure and dependable transactions to put your mind at rest.




Setting up Stripe for WooCommerce doesn’t have to be difficult when you know what you’re doing. Simply follow the steps we outlined today and you’ll be ready to integrate payment plugins with your Stripe account in no time. 

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