Stripe

Stripe

This page is about the menu  (SETTINGS) > PAYMENTS > PAYMENT GATEWAYS > STRIPE

1 Setup

To use this payment option you will need an account with Stripe.

To connect your Stripe Account click on the "Connect to Stripe" button, you will be prompted to log into Stripe and accept the connection for Stripe Payment Processing.

If you do not already have a Stripe account, click on the "Connect to Stripe" button and follow the on screen instructions to create one.

Stripe supports strong customer authentication and complies with the PSD2 regulations. You have security settings in your Stripe account. Please refer there for further information on 3D secure, PSD2 and other security matters.

To use Stripe to collect Channel payments ONLY and not show on your Beds24 Booking page, then use Enable = 'Internal Only'

2 Functionality

2.1 Send credit card details to Stripe

If you set "Save all cards to Stripe" = Yes all credit cards including cards supplied by all channels will be sent directly to Stripe and not stored at Beds24.

Credit card details can also be sent manually to Stripe using the send to Stripe button.

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The card will be saved as a new customer in Stripe with the booking number as a reference. Once the new customer is created in Stripe the card can be charged.

Multiple cards can be sent for each Stripe customer and a specific one selected when charging.

Stripe will only accept valid cards. If Stripe reject the card, it's details will still be visible at Beds24.

Info Codes in the "Info" tab of the booking show you which action was performed.

Code	Use
CARDTOSTRIPE	card details were sent to Stripe
STRIPEPAYMENT	payment imported from Stripe
STRIPEFAIL	card could not be sent to Stripe
CARDEXPIRES	added when the card expires before check-in
STRIPEAUTHORIZE	payment has been authorised by Stripe
CARDFAILSTRIPE	card has failed at Stripe, see the note for reason

2.2 Collect deposit for direct bookings at time of the booking

Use this instruction to set up deposit collection from your booking page.

Payments for bookings with deposit collection on the Beds24 booking page will be automatically collected and/or captured.

The card is stored at Stripe and can be charged manually or automatically again at a later date.

2.3 Send payment request

Use this instruction to create payment requests.

Payments for bookings with payment request will be automatically collected and/or captured.

The card is stored at Stripe and can be charged manually or automatically again at a later date.

2.4 Collect authorization manually

To authorize the card for later capture set "Capture" = No

The maximum holding period depends on the the card type and the country the card is from:

• Visa 31 days (Japan 7 days)
• Mastercard 30 days
• Discover 30 days
• American Express 7 days

The extended authorization period beyond 7 days may only be available if your Stripe account business type is for a "hotel" or "lodging", other business types may be limited to 7 days.

For more information please contact Stripe support.

2.5 Collect payment manually

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You can choose if the card is

• immediately charged and funds transferred to your Stripe account (Capture=Yes)
• no funds transferred now but the amount is available for later capture up to an expiry date (Capture=No) .

If the customer has multiple cards stored at Stripe you will be able to select the card you want to charge.

2.6 Manage payments manually

You can see the status of all payments stored at Stripe for the booking and have options as appropriate to capture an amount or the full payment, refund an amount or the full payment and release an authorization.

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2.7 Collect payment automatically

Setting up pending payments to auto charge a card at a specific date is explained here.

2.8 Auto Charge Virtual Cards from OTAs

Some channels send virtual cards which are often only valid for a certain period. Virtual cards can be charged automatically when they become valid. This is how you activate this option:

• Go to SETTINGS->CHANNEL MANAGER and set "Channel Collect Invoice" = Charges and Pending Payments
• Go to the channel settings (for example SETTINGS->CHANNEL MANAGER->BOOKING.COM) and set "Virtual Cards" = Yes

2.8.1 Error when charging Booking.com and Expedia Virtual Cards

When charging Booking.com and Expedia Virtual Cards with Stripe you may receive this this error: An error occurred while processing this card

Possible reasons:

• Merchant Code: The merchant code reflects your type of business (hotel, restaurant, grocery shop etc.). You can only charge a virtual card for a booking if you merchant code category (MCC) is relating to accommodation – 7011. Contact Stripe support and ask them to let your MCC code to reflect 7011.

• Missing CVC: Booking.com and Expedia do not always send a CVC for virtual cards. Ask the channel to provide a CVC for the virtual card and manually reenter it. For Expedia virtual cards you can try to add the generic CVC codes:
  • Visa/Mastercard: 469
  • American Express: 2469

• Incorrect amount: Double-check you charge the exact amount sent by the channel from the booking.

3 Refund of Payments in Stripe

Payments can be fully or partially refunded from within the booking which will also update the invoice. If you refund from within the Stripe account you will also need to enter them manually into the booking if you wish to keep the booking invoice updated.

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4 Stripe Test Mode

The easiest way to test is in live mode and either do not capture the charges or make small test payments and refund them from within Stripe when finished testing.

Stripe also has a test mode but not all functionality is enabled in this mode.

To connect to Stripe in testing mode, you can use your Stripe test publishable key and test secret key.

Pending payments will not work with the Stripe ApiKey connection method (i.e. test mode).

You must be disconnected from Stripe to begin.

Open the Stripe menu at SETTINGS > PAYMENTS -> PAYMENT GATEWAYS -> STRIPE

Add the following to the end of the URL &showkeys

So the URL in the browser looks something like this:

https://beds24.com/control2.php?pagetype=propertydepositstripe&showkeys

Press the Enter key.

You will now have access to two additional settings where your Test Keys can be saved.

When you are finished testing, delete the two test keys and connect in live mode with the "Connect to Stripe" button.

Do not use API keys to connect in live mode, Stripe considers this insecure and will limit functionality.

5 Scenarios

5.1 Direct Bookings - Collect Deposit at time of booking, then Balance XX days before arrival

A number of considerations are required when setting up Pending Payments on your Bookings.

• Refundable/Non Refundable bookings, could the booking details change, if modifications are allowed, then the values in Charges & Payments tab could change, therefore consider setting the Auto Action to trigger just prior to the payment being collected, otherwise the Pending Payment could be set for an invalid amount, as it is not recalculated when changes are made to the booking.

• If you have Refundable bookings, then consider adding the Pending Payment at the time when the payment is due to be collected/after the cancellation period, minimizing the number of refunds you may have to make.

5.1.1 Step 1 : Set Payment Collection Details

Acitvate Deposit Collection Go to (SETTINGS) PAYMENTS > PAYMENT COLLECTION

• Select the "Non Payment Booking Status".
  • Request: When the guest clicks "Confirm Booking" the room gets reserved for the guest and will not be available for other guests to book. When they make a successful payment the status of the booking will automatically change to confirmed. If the payment is aborted or not successful the status of the room will still be blocked with the request status. You will then either need to change the status manually to cancelled or use an auto action to automatically change the status of Request bookings to Cancelled after a preset time. Auto Actions can be set up in (SETTINGS) > GUEST MANAGEMENT > AUTO ACTIONS.
  • Cancelled: When the guest clicks "Confirm Booking" the room will not be reserved until the payment has completed. Other guests can still book the room until a successful payment has been made leaving a small risk of double bookings.

• Set the required amount. It can be a fixed amount, a percentage of the total or the value of the first nights accommodation.
• The currency used by will be the currency you have set in the (SETTINGS) PROPERTIES > DESCRIPTION currency to receive payments setting.

Add payment instructions or information for your guests

To add general information to the header section of the payment screen click on "Deposit Payment Header" and enter the information there.

5.1.2 Step 2 : Setup the Booking page Booking Rules

Adjust your booking rule

Each of Deposit Collection 1 and Deposit Collection 2 can collect different deposit amounts.

Individual rules can be set for Normal, Near term and Exceptional period bookings. Individual rules can also be set directly within rates or offers.

This allows you for example to take a different deposit in high and low season or for normal and last minute bookings.

• Go to (SETTINGS) > PROPERTIES > BOOKING RULES
• Set "Booking Type" to either the Deposit Collection 1 or Deposit Collection 2.

The booking rules for rates will override rules for rooms and booking rules for offers will override property booking rules.

5.1.3 Step 3 : Setup Payment Rules (Optional)

Cancelled Bookings - Delete Pending Payments OR Set Pending Payment to Manual

Go to (SETTINGS) > PAYMENTS > PAYMENT RULES

Click 'Add Payment Rule'

Payment Rule :

• Name = Enter your title - Not Cancelled (for example)
• Action = Auto

Payment Trigger :

• Booking Status = All not cancelled
• Any Booking Info Code = (Optional)
• All Booking Info Codes = (Optional)
• Exclude Booking Info Code = optional (can exclude Virtual Credit cards, find the Booking info code in the booking)

Payment Action :

• Capture = Yes - immediately charged (Capture=Yes)
• Add info code on success = add a Booking Info item to the booking on success (Optional)
• Add info code on failure = add a Booking Info item to the booking on failure (Optional)

Payment Limit :

• Limit payment value - select an option to prevent accidental overcharging

Payment Action :

• Capture - YES, use this option to collect the payment

Prevent Auto Payment :

• Prevent payment if booking status = Cancelled
• Prevent payment after check-out (days) = 7
• Prevent payment action = Manual/Delete

Capture Refundable Security Deposit - Payment Action - Capture = NO

Go to (SETTINGS) > PAYMENTS > PAYMENT RULES

Click 'Add Payment Rule'

Payment Rule :

• Name = Enter your title - Security Deposit (for example)
• Action = Auto

Payment Trigger :

• Booking Status = All Not Cancelled (select from the drop down list)
• Any Booking Info Code = optional
• All Booking Info Codes = optional
• Exclude Booking Info Code = optional (can exclude Virtual Credit cards, find the Booking info code in the booking)

Payment Limit :

• Limit payment value - select an option to prevent accidental overcharging

Payment Action :

• Capture = NO,
• Add info code on success = add a Booking Info item to the booking on success (Optional)
• Add info code on failure = add a Booking Info item to the booking on failure (Optional)

Prevent Auto Payment :

• Prevent payment if booking status = Cancelled
• Prevent payment after check-out (days) = 7
• Prevent payment action = Manual/Delete

5.1.4 Step 4 : Setup Auto Actions

Setup Auto Actions to meet your business workflow

If you have setup your booking page to collect a deposit at the time of booking, then you can setup an Auto Action to collect the balance XX days before arrival.

https://wiki.beds24.com/index.php/Auto_Actions#Collect_outstanding_booking_balance_3_days_prior_to_arrival.28_Credit_card_details_were_collected_at_time_of_booking.29

5.1.5 Step 5 : Activate Stripe

Activate Stripe.

• Go to ( (SETTINGS) PAYMENTS > PAYMENT GATEWAYS > STRIPE and enter the required account information to connect your payment system to your STRIPE account. Use the 'CONNECT to Stripe' button to use Pending payments.

To override the default title which the guest sees enter your custom text in the "Title" field.

• In "Instruction" you can enter a custom information to display under the payment button.

5.2 Capture Refundable Security Deposit on Check-in date

Step 1 : Setup Payment Rules

• Capture Refundable Security Deposit
  • Payment Action - Capture = NO

6 Change of Stripe Account

If you have had to change your Stripe account and have Bookings with Credit Cards already stored/authorised, you will need to clear the initial authorisation so you can send a new card to Stripe.

ONLY USE THIS IF YOU HAVE CHANGED YOUR STRIPE ACCOUNT

In Beds24 - Go to ACCOUNT MANAGEMENT > MANAGE ACCOUNT > MANAGE PROPERTY > MANAGE ROOM > BOOKINGS.

Tick the appropriate bookings, this will remove the authorisation from the initial account and allow new cards to be sent to the new Stripe Account.

Please ensure you select only the bookings you need to have the credit card details cleared, it is NOT possible to restore if you erase by mistake.

7 Troubleshooting and Issues

 Pending payment did not trigger 
Pending payments will not work with the Stripe ApiKey connection method (i.e. test mode).

 Stripe payment form does not show"
It has been reported that Browser IE 11 does not show the Stripe payment form when the booking page (and Stripe form) is in an iFrame unless the following Meta tag is included on the parent page.
<meta http-equiv="x-ua-compatible" content="IE=edge">

Accept Cards without CVC
Log into your Stripe account and go to "Radar". You should be able to process charges without the CVC once you turn off that requirement in Radar.

Change of Stripe Account - Unable to collect payments
   ONLY USE THIS IF YOU HAVE CHANGED YOUR STRIPE ACCOUNT DUE TO STRIPE ACCOUNT BEING BLOCKED
In Beds24 - Go to ACCOUNT MANAGEMENT > MANAGE ACCOUNT > MANAGE PROPERTY > MANAGE ROOM > BOOKINGS. 
Tick the appropriate bookings, this will remove the authorisation from the initial account and allow new cards to be sent to the new Stripe Account.
   Please ensure you select only the bookings you need to have the credit card details cleared, it is NOT possible to restore if you erase by mistake.