Features
Integrations
Stripe

Stripe Integration

Stripe is the primary payment provider for Spectra — storefront checkout, gift cards, kiosk in-person, and refunds.

Setup

  1. Sign up at stripe.com (opens in a new tab)
  2. In admin → Settings → Payment:
    • Enter your publishable key (pk_live_... or pk_test_...)
    • Enter your secret key (sk_live_... or sk_test_...)
    • Toggle Sandbox mode for testing
  3. Configure webhooks in Stripe dashboard:
    • Endpoint: https://your-domain.com/commerce-api/v1/webhooks/stripe
    • Subscribe to: payment_intent.succeeded, payment_intent.payment_failed, charge.refunded, charge.dispute.created
    • Copy the webhook signing secret → paste into admin settings

What Stripe handles

  • Checkout payments — card / Apple Pay / Google Pay
  • Kiosk Terminal — in-person chip + contactless
  • Gift card purchases — separate PaymentIntent for gift card amount
  • Refunds — triggered by return processing or manual refund
  • Subscriptions — not currently used (Stripe Billing)

Stripe Connect

For multi-tenant setups, each tenant has their own Connect account. Payments route through the tenant's account with platform fees optional.

Testing

Use sk_test_... keys with Stripe's test card numbers (opens in a new tab):

  • 4242 4242 4242 4242 — success
  • 4000 0000 0000 0002 — declined
  • Use any future expiry, any CVC

API keys prefixed spk_test_ route through Stripe test mode automatically.

PCI compliance

Card data never touches your servers:

  • Storefront uses Stripe.js / Stripe Elements
  • Kiosk uses Stripe Terminal reader
  • API receives only the PaymentIntent ID, not card details

This keeps Spectra deployments PCI DSS SAQ-A.

Related features

Advanced ReportsPayPal