Integrating Stripe for online card 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.
Stripe is the payment provider ChurchSuite uses for all card payments. Regardless of the cardholder's local currency, card payments are always processed into ChurchSuite in your ChurchSuite account's local currency. No card details are held within ChurchSuite.
A transactions fee is deducted by Stripe from each card payment, with the 'net of fees' amount deposited in your designated bank account. Stripe pay out to your bank account in batches, called "Stripe Transfers", at a frequency set in your Stripe account settings. The Stripe Transfers report will help you reconcile the transfers on your bank statement, showing you a breakdown of gross payments, transaction fees, net payments and the total transfer amount received.
UK customers: 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. The transaction fee deducted consists of two parts - a 1.2% + 20p transaction fee (or 2.9% + 20p for non European card) to Stripe and a 1% transaction fee to ChurchSuite. For more information click here.
Standard Stripe accounts - organisations not registered as non-profit - are subject to a 2.4% + 20p transaction fee for European card payments (comprising 1.4% + 20p to Stripe and 1% to ChurchSuite).
Non-profit discount for North American customers: Eligible US & Canadian non-profit organisations are able to access a special charity rate of 2.9% + 30c (+1% for International cards). 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 from ChurchSuite explaining how to claim these charity rates.
Non-profit eligibility - To enquire about your eligibility as a non-profit, email firstname.lastname@example.org. For further information about transaction fees in other regions, refer to Stripe's website - remember to add the ChurchSuite fees referred to above.
Fees correct as of 1st May 2020.
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 open a new Stripe account (or click Sign in if you already have an account). If opening an account, complete all the fields as requested. Be sure to click to Authorize access to this account at the bottom of the form 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 bank account (e.g. from event ticket sale proceeds, donations or booking charges), Stripe require a direct debit to be completed for your 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 will then correctly designate your account as a "non-profit". 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.
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 certain Giving module Funds or for booking charge payments for certain booking "Type" (e.g. external bookings, weddings).
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 to add an additional account that exist within your main Stripe account. You also have the option to Switch user and Sign in to another Stripe account to add an account from there, or open a new Stripe account entirely. In each case, and being careful to select to Authorise ChurchSuite to access this account you are redirected back to the Stripe integration in ChurchSuite. The additional account is added to the Accounts list. The original Stripe account first added to the integration is the Default account that will be used for online donations to All funds, online booking charge payments for All Types and all event tickets...
...however you can easily change the Default Stripe account. Simple select Set as default from the Action menu for one of your other accounts. The new default account will now be used for all future card donations for All funds, all future card payments for booking charges for All types and all future card payments for event ticket.
It's further possible to Edit a non-default account and assign Funds and Types to that account so that future card payments are deposited as Stripe Transfer 'payouts' to a different account to your default account. On the Edit pop-up simply select which Funds and Types are to be assigned to the Stripe account and click Save. You can also change the Stripe account Name. All future card payments for those funds/types will now be paid out as Stripe Transfers to the bank account associated with that Stripe account.
Note: When reassigning funds/types to a different Stripe account or changing the default account, any existing recurring donation subscriptions (and any card payment currently processing) will continue to be paid out to the original Stripe bank account that they were first set up on. A change of fund/type assignment or default Stripe account will only affect future card payments and new recurring donation subscription. 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, payments of charges for "External booking" type charges have been assigned to the "Current" account. All other card payments for event tickets, booking charges for other types and donations for all funds will be paid out to the Default account.
Note that 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