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v3 - Stripe Integration

Stripe payment gateway: online card payments, saved cards, 3D Secure, in-person payment (Terminal), refunds and connected accounts. Step-by-step setup, every field explained, daily use, transactions and frequently asked questions.

Index

What is this integration?

The Stripe integration connects Golfmanager with the Stripe payment gateway. It is one of the most complete payment integrations: it allows online card payments, saving the customer's card for future payments, 3D Secure verification, in-person payment with a card reader (Stripe Terminal) and refunds. It also supports connected accounts (Stripe Connect).

A payment gateway is the service that connects your business with the banks to charge cards securely. 3D Secure is the additional verification step (for example, a confirmation in the bank's app) that adds security to the payment.

What problem does it solve?

  • Charges across all channels with a single gateway: online, in-person POS and with a saved card.

  • Speeds up the regular customer: they can pay with their saved card without typing it again.

  • More security: the card form is handled by Stripe (with 3D Secure); the data does not pass through Golfmanager.

  • Refunds from Golfmanager, without entering the Stripe dashboard.

Payment modalities it offers

Modality

What it is for

Online payment

The customer pays by card when booking or buying online (also Apple Pay / Google Pay if their device allows it)

Saved card

Charge with a card the customer previously saved

In-person payment (Stripe Terminal)

Charge at the POS with a Stripe card reader

Refund

Refund (full or partial) a sale charged with Stripe

Which systems does it connect and in which direction does the data flow?

It connects the Golfmanager checkout and POS with Stripe, in real time:

  • In the online payment, the customer enters the card in the secure Stripe environment and, if applicable, completes the 3D Secure.

  • In the in-person payment, Golfmanager sends the charge to the card reader and receives the result.

  • If approved, the sale is marked as paid. To refund, Golfmanager asks Stripe for the refund.

🔒 Security: the card data is handled in Stripe (PCI). If you save the customer's card, Golfmanager stores a secure reference (encrypted token), never the full number.

Prerequisites (before activating the integration)

  1. Have a Stripe account.

  2. Have the Stripe module installed, together with the billing module.

  3. The Stripe keys (public and secret), test and production.

  4. For in-person payment, a card reader compatible with Stripe Terminal.

  5. Billing permissions to configure.

How to set it up (step by step)

Step 1 — Online payment

  1. Log in to Golfmanager with a user that has billing permission.

  2. Go to Settings > Stripe.

  3. Enter the public and secret keys, for test and production.

  4. Indicate the currency (EUR by default) and leave the production mode disabled to start with tests.

  5. (Optional) Enable 3D Secure and review the "Avoid redirects" option.

  6. Save the changes.

Step 2 — In-person payment (Stripe Terminal)

  1. Go to the Stripe in-person settings.

  2. Enter the secret keys (test and production), the currency and the production mode.

  3. Connect your card reader from Stripe Terminal.

  4. Save the changes.

Step 3 — Connected account (optional, Stripe Connect)

  1. If your case uses Stripe Connect, enable "It is a connected account" and indicate the platform commission.

  2. Complete the onboarding process that Stripe provides.

⚠️ Recommendation: start with production mode disabled and make a test payment (Stripe offers test cards, for example 4242 4242 4242 4242); enable it only when everything works. The secret keys are stored encrypted.

Explanation of each field

Below is a description of each field in the integration: where it is, what it means, its impact on the system, and a usage example (what happens when it is used and how the system behaves).

A) Keys and environment (Stripe online)

1. Public and secret keys (test and production)

  • Description: your Stripe account credentials. The public one is used in the card form; the secret one (encrypted) in the secure calls to Stripe. There is a test set and a production set.

  • Impact on the system: essential. Without them you cannot charge.

  • Usage example: you copy the keys from the Stripe dashboard (the test ones start with pk_test/sk_test; the live ones with pk_live/sk_live).

    • What happens when it is used: Golfmanager uses the keys of the active environment to process each payment.

    • System behavior: if they are missing or incorrect, Stripe does not appear or the payment fails ("No Stripe configuration").

2. Production mode

  • Description: indicates whether it charges for real (production) or in tests (test).

  • Impact on the system: it determines which keys are used (production or test).

  • Usage example: you leave it disabled while testing and enable it when going live.

    • What happens when it is used: enabled, the charges are real; disabled, they are test.

    • System behavior: if it is set wrong, you could charge for real in a test or not charge in live.

3. Currency

  • Description: the currency of the charges.

  • Impact on the system: usually EUR by default.

  • Usage example: you leave it at EUR unless you charge in another currency.

    • What happens when it is used: the amounts are processed in that currency.

    • System behavior: it must match your Stripe account's currency.

B) Online payment options

  • 3D Secure: enables the bank's additional verification (SCA). Impact: more security; the customer may have to confirm the payment. Behavior: if it is enabled, Stripe requests the verification when appropriate.

  • Avoid redirects: tries to complete the payment within the screen itself, without jumping to another page. Impact: a smoother payment experience. Behavior: it is enabled by default.

C) Connected account (Stripe Connect)

  • It is a connected account: enables the Stripe Connect model (platform + connected account). Impact: it changes how charges and settlements work. Behavior: it only applies if your case uses this model.

  • Platform commission: the percentage deducted from each charge in the connected-account model. Impact: it is applied to each transaction. Behavior: it only takes effect with connected accounts.

D) Stripe in-person (Terminal)

  • Secret keys (test and production), currency and production mode: equivalent to the online payment ones, but for charging with a card reader. Impact: essential for in-person payment. Behavior: they are stored encrypted; the production mode decides whether the reader charges for real.

  • Card reader: the Stripe Terminal device that is connected. Impact: it is where the customer presents the card. Behavior: it must be registered and available to be able to charge.

E) Saved card and transactions

  • Saved card (on the customer record): brand, last digits, expiry, whether it supports 3D Secure, whether it is the default and whether it is validated. Impact: it allows charging without typing the card again. Behavior: Golfmanager stores an encrypted token, not the number; there can only be one default card per customer.

  • Stripe transaction: each payment or refund, with its type (payment/refund), result (success or error), amount, refunded amount and Stripe identifier. Impact: it is the record and traceability of each charge. Behavior: it is read-only; it is consulted to diagnose.

How to use it day to day

Online payment and saved card

  1. The customer chooses Stripe when paying and enters their card in the secure Stripe environment.

  2. If allowed, they can save the card for future payments (they must be logged in); they complete the 3D Secure if their bank requests it.

  3. On approval, the sale is marked as paid.

In-person payment at the POS

At the POS, select "Stripe in-person"; the charge is sent to the card reader and the customer presents the card.

Refunds

To refund a Stripe payment, cancel the payment from Golfmanager: the system asks Stripe for the refund (full or partial) and records it.

Transactions and saved cards

  • Stripe transactions: the record of all payments and refunds, with their result. It is the first screen to review when a charge has not been completed.

  • Stripe cards: the saved cards. On each customer record there is a "Cards" tab with their cards.

Connected accounts (Stripe Connect)

Stripe supports connected accounts (Stripe Connect): a model in which Golfmanager acts as the platform and the club registers as a connected account through a guided onboarding process. In this model a platform commission can be applied on the charges.

If your case does not use this model, you simply configure your own Stripe keys and charge directly.

Limitations to keep in mind

  • You need a Stripe account and its keys.

  • In-person payment requires a card reader from Stripe Terminal.

  • Saving cards depends on the configuration, on the customer being logged in and on them accepting it.

  • The test and production keys are different: remember to enable production mode to charge for real.

  • It depends on Stripe: if the service is unavailable, payments cannot be processed at that moment.

Frequently asked questions

Stripe does not appear when paying.

Usually a key is missing or the method is not active. "No Stripe configuration" appears. Review the keys of the active environment (test or production) in Settings > Stripe.

The payment is rejected.

The card may be declined or the 3D Secure was not completed ("Failed authentication" / "Payment failed"). Review the detail in Transactions; the customer can retry or try another card.

The in-person payment does not complete.

The card reader does not respond or the Stripe in-person key is missing. Check that the reader is connected and available and that the keys are correct.

It charges for real in a test (or does not charge in live).

The production mode is set wrong. Enable it to charge for real and disable it for testing; remember that the test and production keys are different.

It says "the saved card is no longer available on Stripe".

That card was deleted in Stripe. The customer must save the card again or pay with another one.

It tells me "already paid" when retrying a charge.

That charge had already been completed. It is not charged again; review the sale and its payment in Transactions.

Does the customer have to be logged in to save the card?

Yes. To save a card the customer must have logged in ("You must log in to save cards").

How do I make a refund?

Cancel the payment from Golfmanager: the system asks Stripe for the refund and records it. It supports full or partial refunds.

When refunding it tells me I must void the original payment first.

The refund is made on the original payment. Follow the indicated void/credit flow and the refund will be sent to Stripe.

Where do I review the charges and refunds?

On the Stripe Transactions screen: each operation is recorded with its result and, if there was an error, the detail.

Is it secure? Where is the card data stored?

The card's security (PCI) is handled by Stripe; the data does not pass through Golfmanager. If the card is saved, Golfmanager stores only an encrypted reference (token), never the full number.

What is 3D Secure and when does it appear?

It is an extra verification by the bank (for example, confirming in its app). If it is enabled, Stripe requests it when the bank or regulation requires it. In tests, there are test cards that simulate 3D Secure.

What payment methods does it support?

Cards (Visa, Mastercard, American Express…) and, if the customer's device allows it, Apple Pay / Google Pay. The in-person payment is with a card reader. (The iDEAL method is handled in its own integration.)

In which currency is it charged?

In euros by default, unless you configure another currency (it must match your Stripe account).

What is the platform commission?

It is a percentage deducted from each charge only in the connected-accounts model (Stripe Connect). If you do not use Connect, it does not apply.

Can a subscription be charged automatically?

Yes. With the saved card, recurring charges can be made automatically without the customer being present.

How do I test before charging for real?

With production mode disabled and Stripe's test cards (for example, 4242 4242 4242 4242). Enable production only when everything works.

Recommended best practices

  • Test first in test mode with Stripe's test cards before operating for real.

  • Enable 3D Secure to reinforce the security of the payments.

  • Enable "save cards" if you want to offer quick payments to regular customers.

  • On a failed payment, review Transactions first: the error detail usually indicates the cause.

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