Integrating Stripe for online payments
In this article
Stripe is an online credit and debit card payment service that ChurchSuite uses to handle card payments for "pay" event tickets, online card donations and online booking charge payments. It’s a really useful feature that’s quick and easy to set up.
UK churches: Stripe is the payment provider ChurchSuite uses for all card payments. For eligible non-profit organisations, one-off and recurring card payments accepted through ChurchSuite via Stripe are subject to a 2.2% + 20p (no cap) transaction fee for European cards and 3.9% +20p for non-European cards. This transaction fee consists of two parts - a 1.2% + 20p transaction fee to Stripe and a 1% transaction fee to ChurchSuite. For more information click here.
Standard Stripe accounts - for organisations not registered as non-profit - are subject to a 2.4% + 20p transaction fee.
Regardless of the cardholder's local currency, card payments are processed into your ChurchSuite account's local currency.
Transactions fees are deducted by Stripe from the gross payment, with the 'net of fees' amount deposited in your church's designated bank account. Stripe pay out card payments to your bank account in batches, at a frequency set in your Stripe account settings. ChurchSuite's Stripe Transfers report will help you reconcile those batch transfers and give you information about the gross payments, transaction fees, net payments and total received.
Non-profit discount for North American churches: US & Canadian churches that are eligible non-profit organisations are able to access a special charity rate of 2.9% + 30c (+1% for International cards). In this case, the transaction fee consists of two parts - a 2.2% + 30c transaction fee to Stripe and a 0.7% transaction fee to ChurchSuite. These fees are among the lowest of any card handler in the world! When you complete your Stripe integration you'll receive an email explaining how to claim these charity rates.
To enquire about your eligibility as a non-profit, email email@example.com. For further information about transaction fees in other regions, refer to the Stripe website - remember to add the ChurchSuite processing fees mentioned above.
Fees correct as of 19th March 2019.
Card payments are paid directly in to your designated church bank account by Stripe (no card details are held within ChurchSuite) - typically Stripe transfer monies to your bank account in batches every few days, and within approximately 2-7 days of the event sign-up. You can also change the transfer frequency within your Stripe account settings. See the related support article on Stripe Transfers to help you reconcile your net transfers received in your bank account back to the gross ticket sales for your events.
Completing the Stripe Integration
Click on the Administrator menu in the top right-hand corner of ChurchSuite - you will need to be an Administrator to see this menu option. Click into the Integrations section and click on the Stripe integration in the list.
Follow the on-screen instructions to complete the Integration. Note that you'll need some basic information about your organisation in order to create an account with Stripe. Click Continue to open the Stripe account opening form.
The Stripe account application form opens. On this page you can either open a new Stripe account or click Sign in if you already have an account.
At the bottom of the page click to Authorize access to this account, so that the ChurchSuite Integration is able to access your Stripe account.
Need multiple signatures?
While the Stripe integration is essentially for funds being deposited into your church bank account (e.g. from event ticket sale proceeds, donations or booking charges), Stripe require a direct debit to be completed for your church bank account in order to meet any refunds being processed by you (e.g. event ticket refunds). Since most church/charity/non-profit bank accounts require multiple signatories on the account, here's how to set up your Stripe account so that you receive a multiple signature direct debit mandate...
When you first open a new account with Stripe, select your Country and Your product sections.
Continuing down the page, specify your Type of business - select Nonprofit organization. Ignoring the slightly misleading 'company' terminology on Stripe's form, complete the form fully. For Company number, enter your charity number, adding leading zeros to ensure the number is 8 digits.
Continue down the form and complete the Your details section for the designated individual in your organisation who will be Stripe's account contact - typically this would be a treasurer, chair of trustees, finance contact, warden etc...
Use the Additional owners section to add each of your other authorised signatories...
And finally answer the remaining questions and enter your organisation's bank details.
Please be aware that the consent wording at the bottom of the form will still read as follows (Stripe's form is less than helpful for UK charities!!!)...
...Stripe assure us that they will correctly designate your account as a "non-profit" and you can still proceed and complete the Stripe integration. At this stage the account-opening process is simply inviting you to make a direct debit request. Complete the set up process by clicking to Authorize access to this account (which will complete the linking between your Stripe account and ChurchSuite and activate your Stripe account).
Stripe will now work with you directly by providing you with a Direct Debit Form that has space for multiple signatories. To request a direct debit form, simply write to Stripe at support.stripe.com/email. They'll email you a direct debit mandate that includes their/your DD reference, which can then be completed, signed and returned back to Stripe as per their instructions. They also recommend sending a copy of the mandate to your bank.
For further information, see Stripe's support page on multi-signatory mandates.
Having created a new Stripe account and authorised the ChurchSuite integration to use the account, you are then returned back to the ChurchSuite Stripe Integration page.
Review and set any optional Checkout Options, including whether you Require a billing address to be entered by your customers when submitting their card details - the checkout process will be slower for each transaction, but requiring a billing address will minimise any security warnings from card companies.
You can safely navigate away from the Stripe integration page - all settings are saved.
Adding additional bank accounts
You can integrate additional bank accounts if you wish - perhaps if you have different bank accounts for donations to different Giving module Funds.
Working within the Stripe integration, click Add account to create your additional Stripe account. Stripe have also confirmed that it's possible to add multiple bank accounts to a single Stripe account - click here for further information.
When prompted, follow the on-screen instructions to log in to or select your additional Stripe. Having authorised ChurchSuite to access your Stripe account you are redirected back to the Stripe integration in ChurchSuite. The additional account is added to the Accounts table. The original Stripe account is the Default account that will be used for all donations, event tickets and booking charges...
...however you can easily change the Default Stripe account to a different account - select Set as default. The new default account will now be used for all donations, event tickets and booking charges.
It's further possible to Edit a non-default account and assign Funds to that account so that donations to those funds are deposited as Stripe transfers in a different account to your default account. On the Edit Account pop-up simply select which Funds are to be assigned to the Stripe account and click Save. All future donations will now be deposited as Stripe transfers in that account.
Note: When reassigning a fund to a different stripe account or changing the default account, any pre-existing pledge card subscriptions for donations will continue to be directed to the original Stripe bank account that they were first set up on. A change of fund assignment or default stripe account will only affect future recurring payments. If you wish existing recurring card donation subscriptions to be directed to a different account you will need to ask the giver to cancel their existing pledge and set up a new one.
In the example below, donations for All Funds have been assigned to the kingshope.church Stripe account. All other card payments for event tickets and booking charges are assigned to and will be deposited in the Default account.
Helpful Changes logs keep you informed about historic changes to your Stripe integration.
Stripe transaction limits
The only limit to the maximum amount you can receive by a card payment is a technical limit. The amount value supports up to eight digits (e.g., a value of 99999999 for a USD charge of $999,999.99). See https://stripe.com/docs/currencies