--- title: Accept a payment slug: accept-a-payment published_at: 2020-10-08 16:00:33 +0000 updated_at: 2023-01-30 22:51:40 +0000 summary: description: In this refreshed episode, CJ covers how to take a one-time payment in an SCA ready way with Stripe.js and Ruby. ### Resources Official guide: https://stripe.com/docs/payments/accept-a-payment Demo repo: https://github.com/stripe-samples/developer-office-hours/tree/master/2020-10-08-accept-a-payment ### Presenter CJ Avilla - Developer advocate at Stripe - https://twitter.com/cjav_dev ### Table of contents 00:05 - Intro 01:49 - Demo overview 02:12 - Install Stripe sample 03:23 - Create payment intent on the server 06:58 - Collect card details on the client 12:00 - Confirm payment intent on client 14:50 - Test payment flow 15:55 - Reasons for \"No such payment intent: pi_\" 19:29 - Add support for email receipts ### Support If you have a question, please feel free to reach out to our support team on Discord at https://stripe.com/go/developer-chat. ### Updates Sign up to stay updated with developer news: https://go.stripe.global/dev-digest ### Feedback If you have any feedback about this or other episodes, let us know: https://forms.gle/VjNqzRhotM2snYo88. #Stripe #SCA #Stripe #Payments tags: [stripe, payments, accept a one time payment, secure customer authentication, how to accept an SCA friendly payment, SCA Payments and Stripe, Stripe API for 3D Secure Payments, 3D Secure, Secure Customer Authentication, Stripe Secure Customer Authentication, Stripe 3D Secure, Stripe 3DS, Stripe 3DSecure, 3DSecure, @cjav_dev] views: 7787 author: CJ Avilla url: https://www.cjav.dev/videos/accept-a-payment youtube_url: https://www.youtube.com/watch?v=2PJTcShgBps youtube_id: 2PJTcShgBps embed_url: https://www.youtube.com/embed/2PJTcShgBps thumbnail_url: https://i.ytimg.com/vi/2PJTcShgBps/hqdefault.jpg type: video --- # Accept a payment *Published: October 08, 2020* *Views: 7787* ## Watch [Watch on YouTube](https://www.youtube.com/watch?v=2PJTcShgBps) [![Accept a payment](https://i.ytimg.com/vi/2PJTcShgBps/hqdefault.jpg)](https://www.youtube.com/watch?v=2PJTcShgBps) ## Description In this refreshed episode, CJ covers how to take a one-time payment in an SCA ready way with Stripe.js and Ruby. ### Resources Official guide: https://stripe.com/docs/payments/accept-a-payment Demo repo: https://github.com/stripe-samples/developer-office-hours/tree/master/2020-10-08-accept-a-payment ### Presenter CJ Avilla - Developer advocate at Stripe - https://twitter.com/cjav_dev ### Table of contents 00:05 - Intro 01:49 - Demo overview 02:12 - Install Stripe sample 03:23 - Create payment intent on the server 06:58 - Collect card details on the client 12:00 - Confirm payment intent on client 14:50 - Test payment flow 15:55 - Reasons for "No such payment intent: pi_" 19:29 - Add support for email receipts ### Support If you have a question, please feel free to reach out to our support team on Discord at https://stripe.com/go/developer-chat. ### Updates Sign up to stay updated with developer news: https://go.stripe.global/dev-digest ### Feedback If you have any feedback about this or other episodes, let us know: https://forms.gle/VjNqzRhotM2snYo88. #Stripe #SCA #Stripe #Payments ## Transcript [Music] do you remember september 14 2019 if you work in the payment space you might recall this was the day when the new secure customer authentication or sca regulation went into effect in the european economic area around that time we published our first set of stripe developer office hours videos with the aim of helping developers migrate their integrations to become compliant since then the engineers at strife have been hard at work releasing new payment methods and some of the apis for handling sca have changed if you're curious about sca regulations generally we'll share a link to the customer authentication and 3d secure overview in the the card above here we wanted to share an updated episode with you covering the current recommendation so we'll we'll start with the most basic guide for accepting credit card payments using stripe elements with just standard html and vanilla javascript on the client and ruby on the server welcome back again to stripe developer office hours i'm cj avila a developer advocate at stripe so here's an example of what we're going to build today we have a very simple card element input using stripe elements we're going to enter a test card number and then click pay for our our sample we'll see that we have submitted the form created a payment intent this is the payment intent is being created on the server and returning its client secret to the client then we're going to confirm the payment intent on the front end and we'll get back the the json for the fully confirmed payment intent we see that it did succeed in collecting this fourteen hundred cents so this is what we're gonna build today and uh yeah we'll jump into it so the first thing i'm gonna do is delete all the code that we just saw and we'll start from scratch we'll start by bootstrapping our application with the developer office hours stripe sample if you want to see how we've built this from scratch you can feel free to head over to the foundations episode for sinatra we're using the stripe cli today with stripe samples and once you've installed and linked to the stripe cli you can run this stripe samples create developer office hours command in your terminal and you'll be prompted with which server you'd like to use we're going to use ruby today okay so the first thing we want to do is jump into our developer office hours this new stripe sample that was downloaded you'll notice that we have a client and a server directory in the server directory we're going to first install some dependencies with bundle install next we can fire up the server by saying ruby server and this will run our boilerplate at localhost 4242 so we can go back to the browser to localhost 4242 and we are given this sort of blank boilerplate page this looks great and this is what we expect the first step for collecting payment is to create the payment intent object on the server so let's go make a route that will simply make an api request to stripe to create a payment intent and return its client secret so from the server i'm going to stop the server and open server.rb and here you'll notice that we have a get route that returns the index.html page and we have a a post route which handles webhook handlers for us this is just part of the standard boilerplate for stripe developer office hours so i'm going to start by adding a new post route create payment intent which will simply make an api call to stripe to create the payment intent so we're going to say payment intent is equal to stripe payment intent.create and today we're going to use the most simple possible arguments so this is the minimum required to create a payment intent we want to pass amount we'll say 1400 cents this is going to be an integer in the smallest denomination and the currency is usd keeping it really simple today and then we need to respond with some json this object will contain just the client secret for our payment intent okay so what's happening here um when our sinatra web server receives a post request to create payment intent to slash create payment intent we're going to make an api request to stripe which will create a new payment intent object with the amount set as 1400 and the currency set as usd this is the minimum required to create a new instance of a payment intent this happens on the server and we pass the client secret to the front end which is used to confirm the client to confirm the payment intent on the client let's confirm that this is this endpoint is working as expected using curl so let's restart our server and then use curl dash x post to uh localhost 4242 create payment intent and this is the data that we get back from that endpoint so we just get some json back that has the client secret property and this string value this is the client secret for an instance of a payment intent note that this is not your secret api key it's not your publishable api key every single payment intent has a unique client secret you'll notice that the string sort of starts with pi underscore and this long id that is the id of the payment intent and then the secret is some secret that is again it's unique to the payment intent and is purely for confirming the payment intent on the front end okay so we've just created a new instance of a payment intent one thing to note is that in this api call where we're creating the payment intent there's about two dozen different parameters that you can pass when creating the payment intent to configure different behavior for instance if you wanted to separate auth and capture where you can kind of like put a hold on the card and then capture it up to seven days later or if you want to add a description of the payment or attach some metadata or associate this payment with a customer you would pass those arguments here when creating the instance of the payment intent so i want to just point that out that we are really just using the minimum arguments for today's demo the next step is to modify our front-end code to add controls for collecting and submitting card details let's head over and do that now so we're going to jump up to the client and in this index.html it's very simple boilerplate you can read over it pretty quickly we have just a header tag right now we're just going to change that to collect payment we're going to add a form which is going to be payment form and initially it's going to be very simple we're just going to have a single label for the card and then we'll use a div with the id of card element and this will contain our stripe element which we're going to render into that that card element and then we'll have a button which is uh just going to say pay and then we'll change this to 14 and finally i wanted to add just a div down here for debugging and in practice you wouldn't really have this debug message the first thing we need to do is install stripe.js and this is something you want to do on every single page so i say stripe.js at the top and note that you definitely want to install this and make sure that you're using the the version that is hosted at js.stripe.com okay today we're going to use an inline script tag just to keep things easy and visible so that we can keep track of the javascript that we're writing so we'll initialize a new instance of stripe with our publishable key we want to grab reference to the form that we just created and it's called payment form so we're going to grab that um that form by id we want to add a a submit handler and we'll do that in just a moment before we get too far i wanted to add like sort of just a debugging helper for us and this will be just for like printing some output onto the screen so that we can see it as we're working through our demo today so initially i want to say we're going to like register registering the form submit handler okay just so we can kind of like see an order of operations so when the form is submitted we want to first create payment intent which is on the server and then we want to confirm that payment intent which isn't on the client note that you could optionally confirm on the server also but today we're going to use the client side confirmation which is the most common form and this allows the browser to prompt the user to enter any extra additional authentication that might be required by the users bank here we have a choice to make do we a want to make the request to the server the ajax request to the server to create the payment intent when the page loads or b do we want to make the request to the server to create the payment intent when the form is submitted sort of just in time now the trade-off is that when you make this api or when you make this ajax request that will result in an api call to stripe that's going to add a little bit of latency to the form being submitted if you are creating the payment intent when the form is submitted so if you know exactly the amount that you want to charge when the page is loaded and none of the customer's input is going to modify the amount that is collected then you might want to create the payment intent on page load that way the payment intent and the client secret are ready to go alternatively if any of the input that you're collecting on the page is going to be used to configure the payment intent and to configure what people are paying for then you'll want to do it when the form is submitted so today what we're going to do is we'll create that payment intent when the form is submitted and then we'll call confirm on the front end to finalize and confirm that payment intent so here we're going to just use fetch to make the post request to create payment intent which is making that call to our server and right now we're not sending any data but we optionally could right and so down here i want to say maybe we're going to debug that we are creating payment intent okay and then when we get the response we'll say debug like created payment intent and we can print out its uh client secret data.client secret just so that we can see in on our page that that is happening all right so the next thing we want to do is that now the form is submitted we want to use stripe.js and here is where we're going to actually confirm the payment intent now in the first demo the stripe.js library exposed a method called handle card payment and the shape of the formal arguments was a little different this was a deprecated api method it's it has been deprecated so if you're looking at that old video that's about a year old uh that method has been deprecated and its replacement is called confirm card payment so we're going to use stripe dot confirm card payment and the first argument to this is the client secret and the second argument is a big options block there is a third argument if you wanted to pass a little bit more request options but here we're just going to pass the standard second argument which is a payment method and that includes a property called card and card is going to refer to the card element or the card number element so there's a couple different ways you can use stripe.js elements you can either create a one like a single input card element or you can create separate elements for collecting the card number the cvc and the expiry so today we're going to use just the the simplest form which is just a card element so we're going to use elements here we're going to use stripe elements so we're initializing an instance of stripe elements we're creating a card element and then we're mounting that card element to the div up here so the id card dash element matches the uh the css selector here that we are mounting with id card element so that's going to create a card input element for stripe js and then we're going to pass that card element as the argument in the payment method under the card property here so we're going to say card element and that will allow us to pass the card element okay so confirm card payment is going to return a promise that will resolve here with some result and in that result we may or may not have an error so we're going to say you know if result.error let's debug and say like uh payment intent confirmation failed and then we will say debug result.error.message otherwise we want to say debug payment intent confirmed and we will just print out the json for the entire payment intent that we get back okay so this is looking pretty good and i think we might actually be ready to test this so let's go fire up the browser again and refresh the page oops we didn't restart the server okay so we'll fire up the browser refresh the page and we've got our input elements everything looks good and i want to open up the chrome developer tools just so we can debug a little bit so i'm going to right click and say inspect and then go to the sources tab and we're looking at the index page here and i just wanted to kind of like walk through this and have this open just in case we need to debug i'm going to enter the test card and we just need an expiry in the future and then any values for cbc and postal code and we'll click pay 14 we said we see that it is registering the submit handler it created the payment intent the payment intent came back the client secret came back and we see that the payment intent was confirmed this is excellent and we see the status is indeed succeeded so this is we've taken a test payment that's kind of like the start to finish with the the simplest most basic path for accepting a card payment i wanted to cover a couple really common questions that we see about um working with payment intents the very first one is that we often see questions about the error no such payment intent so let's try to reproduce that error real quick and one of the reasons might be that you have a bad pairing between your publishable key and your secret key so i'm going to enter a another publishable key from a different account and run through the demo and what we'll see is that if we refresh the page if we refresh the page and run through this you'll notice that when we try to confirm the payment intent we get this error no such payment intent so one of the possible reasons for the no such payment intent with the id of the payment intent is that you have a publishable key that is for one stripe account or for maybe for live mode and a secret key that is for a different stripe account or maybe for a different mode so maybe your publishable is live mode and your secret key is test mode or your publishable key is for one account and your secret key is for a different account or even even further another reason for this might be that you are creating the payment intent for a connected account so stripe connects a um a product that allows you to take payments on behalf of other vendors you can think shopify or lyft so if you are creating the payment intent for a single stripe account one of your connected accounts and then you attempt to confirm it either with a different account or without the connect id on the client those are the most common reasons that you might see this no such payment intent so if you are creating the payment intent with a connected account on the server you want to make sure that your in instance of stripe.js is initialized with that connected accounts id on the server or on the client also now generally speaking if you're creating payment intents every single time the page is loaded there might be a lot of payment intents in the system that are not confirmed right because it's uh every single time someone loads the payment page they're not necessarily going to pay and that's okay that's totally okay to just keep creating payment intents without them being fully confirmed and succeeded you don't need to worry about cleaning those up or dealing with ex you know payment intents that have been around for a long time they don't really expire generally speaking for one-time payment intents so those are a couple of things to keep in mind again if you wanted to separate this card element into separate input uh controls where you can style each of them separately you could have the card number element or the card yeah the card number stripe element the card expiry stripe element and the card cvc stripe element those will are all separate element types that we support the postal code is not a there's no stripe element that is required for the postal code you just generally will create a normal input text box for that to collect that and then when you're confirming the payment intent on the client side rather than passing the whole card element you just pass the card number element all right let's modify this demo just a little bit to accept the email address of the customer and then send that customer a receipt when their payment is successful so we want to add just an input here at the very top which will collect an email address and when we click pay we'll pass that email address down to our server so that when the payment intent is created it will set the receipt email on the new payment intent okay so we'll jump back over to our server and stop the server now we want to open up our client-side html here and add a new input for an email address email input and its value just in test mode we'll set this to jenny rosen at example.com we're not in test but while we're building we'll set the value so that we have we don't have to type in the email every time okay let's grab reference to the email input that we just created and then when we create the payment intent the body of the request here is this json and we can pass down the email as email input.value this will be available on the server side in the request data that is being sent to us in the post request when we create the payment intent let's go to the server to modify our create payment intent endpoint so that it sets the email address in our create call okay so when we create the payment intent here we want to pass in email receipt as the request body data so actually let's say data is json.parse request.body.read and then here we can say data email okay so this should set the email receipt value right because we're going to be receiving a post request that has a a json payload and in that json the email property will have the email address that the user input on the front end all right let's restart our server and go back over here refresh the page we should now see an email input and we do it's a little bit it looks a little funky but that should be okay um so now if we enter in some test details and click pay uh right we didn't switch back on the client we did not fix our fix our publishable key so we're getting that error that we reproduced there okay so now if we enter in some test details we're creating a payment intent and we get back the payment intent and it succeeded and you'll see that this receipt email is here now the receipt for this payment will be sent as an email directly to this customer all right so that's how we collect some information from our form and pass it down to the server so that we can use that to configure the payment intent that that we are submitting to stripe and creating that payment intent confirming it again on the client side so hopefully this was useful again this is really just the most basic form for collecting an sca ready payment one thing that i forgot to do is go through and show you what it might look like with an sca test card so this this test number here will trigger secure customer authentication it will require authentication so now if we click pay when we get to the point where we're confirming the payment intent because this card requires 3d secure we are we see a modal that is popped open now in production this will be the um the bank's page for collecting authentication this might expect that the the user or the customer enters that one-time code they received as a text message it might be a page that allows them to authenticate some other by some other means maybe it's uh they have to log into their bank and click that they do confirm to pay this 14 but in test mode with stripe this is the page that you see and you can click complete authentication to uh see the the finalized and succeeded payment intent thanks again so much for joining us you should now be fully equipped to take your first one-time payment using a payment intent in an sca-ready way as always we're available to chat if you want to reach out at support.stripe.com we also have engineers in the irc channel on freenode in the stripe channel on irc if you wanted to chat live and work through some of your technical issues we're in there most hours globally most business hours globally so happy to chat further there also more than happy to connect on twitter we'd love to hear what you're building so if you have any questions feel free to drop them in the comments too we're trying to respond as best as possible all right be well and until next time see ya --- [Back to all videos](https://www.cjav.dev/videos) --- ## Hey Agent, thanks for visiting! 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