Stripe

The Stripe payment method enables payments using Shared Payment Tokens (SPTs)—tokens that allow a client to share a customer's payment method with your Stripe account, with configurable expiration and usage limits. SPTs provide you basic visibility into the payment method (such as card brand and last four digits), while keeping the customer's actual payment details separate.

Both the client and server need a Stripe account. The client creates an SPT using the Stripe API or Stripe.js, and the server consumes it to create a Stripe PaymentIntent.

To learn more, read the Stripe documentation on accepting MPP.

How it works

1. Server responds with 402 and a Challenge containing the amount, currency, and Stripe method details (Business Network profile, allowed payment method types).
2. Client collects a payment method (via Stripe Elements or a stored method), then creates an SPT through the Stripe API with usage limits matching the Challenge.
3. Client sends a Credential containing the SPT.
4. Server creates a Stripe PaymentIntent using the SPT and confirms it.
5. Server returns the resource with a Receipt referencing the PaymentIntent.

Intents