Stripe and Stripe Connect

Stripe is the easiest way to take card payments on your marketplace. Yclas uses it in two ways:

• Stripe takes payments to you: featured listings, bring to top, pay to post, membership plans and eWallet top-ups.
• Stripe Connect takes payments to your sellers when buyers use Buy Now, and can keep a commission for you on every sale.

You need a Stripe account for both. Sellers using Stripe Connect get their own Stripe account through a short sign-up that Yclas starts for them.

Stripe needs your site to run on HTTPS. Hosted sites on a yclas.com address already do; if you use your own domain, make sure SSL is on (see Connect your own domain).

Connect Stripe

1. In your Stripe dashboard, go to Developers › API keys and copy the Publishable key and the Secret key.
2. In your admin panel, go to Add-ons and click Stripe.
3. Paste the keys into Secret key and Publishable key.
4. Untick Legacy checkout (see below), so members get the modern card form.
5. Click Save.
6. Set up the webhook. It takes two minutes and makes sure every payment is confirmed.

From now on members can pay by card for everything they pay you. Stripe shows as Connected on the Integrations page.

Use your test keys first (pk_test_… and sk_test_…) and pay with Stripe’s test card 4242 4242 4242 4242. When everything works, replace them with your live keys.

The card form at checkout

With Legacy checkout off, members click Pay with Card on the checkout page and a card form opens right there, under the button. They never leave your site:

• The form uses your site’s fonts and colours, and the button says Pay with the amount.
• If the member’s bank wants a security check (3D Secure), it appears inside the form.
• Signed-in members have their name and email filled in already.
• On phones and tablets, members who have Apple Pay or Google Pay set up can pay with it. On a computer they see the card fields only.
• If a card is declined, Stripe’s message appears in the form so the member can try another card.

After paying, members land on a Payment complete page that explains what they bought.

Apple Pay and Google Pay need your site’s address to be registered with your Stripe account. Yclas does this for you the first time the card form opens on your site, so there’s nothing to set up.

Card only, or more payment methods

By default the form offers the card, plus Apple Pay and Google Pay on phones. That keeps checkout simple and every payment is instant.

To offer more, tick Also offer other payment methods from my Stripe account. Members then also see the methods you’ve switched on in your Stripe dashboard under Settings › Payment methods, such as Link, bank payments or pay later. Some of these take days to clear: a featured listing or other extra starts once the money arrives.

Card form style

Card form style decides which form opens when members click Pay with Card:

Option	What members see
Match my site (recommended)	The card form in your site’s fonts and colours, with your own Pay button.
Stripe checkout	Stripe’s own checkout form, also shown inside your checkout page, with your site name and colour.

If the form in your site’s look can’t load, for example because Stripe is slow, the page switches to Stripe’s own form by itself, so members can still pay. With Let Stripe add the tax (Stripe Tax) on, Stripe’s own form is always used.

Card form or Legacy checkout

Legacy checkout is the old Stripe card pop-up. New sites start with it switched on; untick it to use the card form above.

	Card form (Legacy checkout off)	Legacy checkout (on)
How members pay	In a card form on your checkout page.	In a Stripe pop-up.
Card security checks (3D Secure)	Handled by Stripe.	Only with Require 3D Secure (beta).
Apple Pay and Google Pay	Yes, on phones and tablets.	No.
Extra payment methods	Your Stripe account’s methods, and iDEAL.	Alipay.
Automatic renewal of membership plans	Yes: the card is kept and charged when the plan ends. With Retry failed renewals on, a declined card is tried again; see Retry declined cards.	Yes.
Webhooks	Supported (recommended).	Not used.

Unless you have a reason to keep the pop-up, switch Legacy checkout off: the card form handles the bank security checks that many European cards need.

Stripe settings

These appear when Legacy checkout is off:

Setting	What it does
Use webhooks	Stripe tells your site about each completed payment, so an order is marked as paid even if the member closes the browser before the payment finishes. Strongly recommended.
Webhook signing secret	The signing secret of your webhook, from the Stripe dashboard. It starts with whsec_.
Accept iDEAL payments	Adds iDEAL, popular in the Netherlands, to Stripe’s own checkout form. Your payment currency must be EUR. With the Match my site form, offer iDEAL by ticking Also offer other payment methods and switching iDEAL on in Stripe.
Let Stripe add the tax (Stripe Tax)	Stripe works out sales tax or VAT for each buyer. Set up Stripe Tax in your Stripe dashboard first, or Stripe refuses the payments. While it’s on, your site doesn’t add its own VAT, and plans aren’t renewed automatically: members get an email with a link to pay.
Card form style	Match my site (recommended) or Stripe checkout. See above.
Also offer other payment methods from my Stripe account	Off: card, plus Apple Pay and Google Pay on phones. On: also the other methods switched on in your Stripe account.

These appear when Legacy checkout is on:

Setting	What it does
Ask for the billing address	Asks for the billing address in the card pop-up.
Accept Alipay payments	Adds Alipay to the pop-up.
Require 3D Secure (beta)	Runs the card’s 3D Secure check before charging.

Set up the webhook

1. Tick Use webhooks. The page shows your endpoint address, which looks like https://your-site.com/stripecheckout/webhook/1.
2. In the Stripe dashboard, go to Developers › Webhooks and add an endpoint with that address.
3. Choose the events checkout.session.completed and payment_intent.succeeded, and save.
4. Copy the endpoint’s Signing secret into Webhook signing secret and click Save.

Already had a webhook before the card form arrived? Edit the endpoint in Stripe and add the payment_intent.succeeded event. The card form’s payments are confirmed through it.

With webhooks on, the order turns to Paid as soon as Stripe’s notification arrives, usually within seconds. Yclas only confirms an order when the amount Stripe received covers the order.

Sell for your members with Stripe Connect

With Stripe Connect, buyers pay sellers by card through your site. Stripe pays the seller and sends your commission to your Stripe account at the same time.

Example: your commission is 5%. A seller lists a bike for 200. A buyer pays 200 by card; the seller receives 190 and you receive 10 (Stripe’s own fees come out of your share).

Stripe also charges you, the site owner, for Connect itself, for example per active seller account and per payout. See Stripe’s Connect pricing before you start.

Switch it on

1. Connect Stripe with your own keys, as above.
2. In the Stripe dashboard, open Connect and finish setting up your platform (business details and branding). Stripe asks for this before your sellers can sign up.
3. In your admin panel, go to Add-ons › Stripe, scroll to Stripe Connect and tick Enable Stripe Connect.
4. Enter your commission in Application fee (%), for example 5. Leave it at 0 to take no commission.
5. Click Save.
6. Make sure the Price field is on in the posting form (Listings › Settings › Form fields).

Once Stripe Connect is on, Add-ons › Stripe links to the Commission on sales page. It walks you through the setup with a checklist (your keys, activating Connect, your logo on Stripe’s pages, webhooks and your commission), suggests answers to Stripe’s questions about your marketplace, and sets up the webhooks on your Stripe account for you. It also shows what you’ve earned in commission. You can also open it from Make money, with Manage on the Take a commission on sales card.

On that page you can also:

• take the commission on the items only, without the shipping, and, on the Marketplace plan, add a Buyer’s service fee and set different rates for some categories or sellers: see Commission and service fees;
• on the Marketplace plan, switch on the shopping cart, so buyers pay several sellers in one payment, with product options, shipping profiles and coupons on sales.

What sellers do

Each seller sets up payouts once:

1. The seller goes to Edit profile in their account. On Nova it’s the Get paid for your sales page under Edit profile. A box tells them your commission.
2. They choose their country (Stripe can’t change it later) and click Set up payouts with Stripe.
3. They complete Stripe’s short sign-up (identity and bank details, about 5 minutes).
4. Back on your site, the box shows Ready and an Open Stripe dashboard button for their payouts. If Stripe needs more details, it shows Continue with Stripe instead.

From then on, every listing they post with a price shows a Buy Now button. Listings from sellers who haven’t connected show Request safe payment instead: a buyer who clicks it sends the seller an email asking them to connect Stripe.

To make connecting compulsory, tick Require a Stripe account to post. Members are then sent to their profile to set up payouts before they can post.

Commissions are only taken from sellers’ sales. Listings you post as an administrator are sold for you, so the whole amount goes to your own Stripe account.

Sites that connected sellers years ago with Stripe’s old method also see Stripe Connect legacy and Client ID. New sites don’t need them.

Different commissions per membership plan

If you use membership plans, each plan has a Marketplace Fee. A seller on a plan pays that percentage instead of Application fee (%). A plan with a marketplace fee of 0 means no commission for its members.

On the Marketplace plan you can also set rates for some categories, or agree one with a seller, on the Commission on sales page. A seller’s own rate comes first, then their plan’s marketplace fee, then the category’s rate, then your usual percentage. See Different rates by category or seller.

What you see

Each paid sale creates two orders: the buyer’s purchase (Buy product) and your commission (Application Fee, with any buyer’s service fee included), so your earnings show up in Orders. Buyer and seller both get an email with the order details.

Hold the money until the buyer has the item (Stripe escrow)

Stripe escrow keeps the seller’s money in their Stripe balance until the buyer confirms delivery. It’s part of the Marketplace plan. Switch it on with Stripe escrow in Add-ons › Stripe, or Pay sellers after delivery on the Commission on sales page: they’re the same setting. It also holds each seller’s part of a shopping cart payment until that item is received.

1. The buyer pays. Buyers must be signed in to use Buy Now.
2. The seller ships the item and clicks Mark as shipped in My Sales, optionally with the carrier name and tracking code. The buyer gets an email.
3. When it arrives, the buyer clicks Mark as received in My Payments. Stripe then pays the money out to the seller.

Until the item ships, buyer and seller can Cancel order. You then refund the buyer from Orders with Refund order. You can also mark an order as received or cancel it yourself from the order’s menu in Orders.

If the buyer reports a problem, the money stays on hold until you decide the dispute.

Setting	What it does
Fixed application fee	A fixed amount you keep from each sale, on top of the percentage.
Days to ship	Paid orders not marked as shipped after this many days are cancelled, and the payment to the seller is reversed. Leave it empty or at 0 to never cancel.

Turn Stripe escrow on before sellers connect. Yclas sets each seller’s Stripe payouts to manual when their account is created, which is what lets it hold the money; sellers who connected earlier keep automatic payouts.

Troubleshooting

• The order stays unpaid after a member paid. Turn on webhooks, with both events. Without them the order is only confirmed when the member’s browser gets back to your site.
• Members see “Try the standard Stripe checkout”. Something unexpected stopped the card form. The link opens Stripe’s own form so they can still pay. If it keeps happening, check your keys, or set Card form style to Stripe checkout.
• No Apple Pay or Google Pay button. It only shows on phones and tablets with Apple Pay or Google Pay set up, and not with Legacy checkout.
• No Buy Now button. The listing needs a price above zero, the seller must have connected Stripe, and with stock control on, the stock must be above zero.
• Payments fail with a currency error. Check that your payment Currency in Settings › Payments (or the listing’s currency) is one Stripe supports for your account.

Related guides

• Take payments on your marketplace — the overview.
• Checkout, payments and invoices for members — what members see.
• Let members sell with Buy Now — stock, quantities and shipping.
• Commission and service fees — commission rules and the buyer’s service fee.
• Shopping cart — one payment for items from several sellers.
• Paid bookings — card held at booking, charged when the seller accepts.
• Orders and transactions — sales, commissions and refunds.
• PayPal — the other common payment method.