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Stripe Payments & SaaS Billing Systems · Lección

Integración de métodos de pago internacionales

Explore e integre diversos métodos de pago internacionales más allá de las tarjetas de crédito, como SEPA, iDEAL y AliPay.

Lección 2 de 412 pasos

Integración de métodos de pago internacionales es una lección gratuita de Stripe Payments & SaaS Billing Systems en CoddyKit. Esta es la lección 2 de 4. Puedes leer la lección completa abajo gratuitamente — luego la practicas en el navegador con un editor de código integrado y un tutor de IA 24/7. Forma parte de la ruta de aprendizaje de Stripe Payments & SaaS Billing Systems, y tu progreso se sincroniza en la web y la app de CoddyKit. El curso de Stripe Payments & SaaS Billing Systems incluye 4 lecciones en total.

Partes de esta lección aún no han sido traducidas y se muestran en inglés.

Go Global with Payments

Expanding your business internationally means reaching customers with diverse payment preferences. While credit cards are common, many regions rely heavily on alternative payment methods (APMs).

This lesson explores how to integrate popular international payment methods like SEPA, iDEAL, and AliPay using Stripe, helping you cater to a global audience.

Understanding Alternative Payments

Alternative Payment Methods (APMs) are non-card payment options. These include bank transfers, digital wallets, local payment schemes, and more.

  • Local Preference: Many customers prefer APMs familiar to their region.
  • Higher Conversion: Offering preferred methods can increase sales.
  • Lower Fees: Some APMs have lower transaction fees than cards.
  • Fraud Reduction: Certain APMs, like bank transfers, can have lower fraud rates.

SEPA Direct Debit Explained

SEPA Direct Debit is a popular payment method across the Single Euro Payments Area (Europe). It allows you to collect funds directly from a customer's bank account.

  • Recurring Payments: Ideal for subscriptions and recurring billing.
  • Bank-to-Bank: Funds are transferred directly between bank accounts.
  • Authorization: Requires a customer's authorization (mandate) to debit their account.

It's asynchronous, meaning the payment isn't confirmed instantly.

SEPA Direct Debit Integration

To integrate SEPA Direct Debit, you typically create a Payment Intent on your server, specifying sepa_debit as a payment method type. You'll need the customer's IBAN (International Bank Account Number).

Try running this example of creating a Payment Intent for SEPA:

import com.stripe.Stripe;
import com.stripe.model.PaymentIntent;
import com.stripe.param.PaymentIntentCreateParams;

public class Main {
  public static void main(String[] args) {
    Stripe.apiKey = "sk_test_YOUR_SECRET_KEY"; // Replace with your actual key

    try {
      PaymentIntentCreateParams params =
        PaymentIntentCreateParams.builder()
          .setAmount(1099L) // Amount in cents (e.g., €10.99)
          .setCurrency("eur")
          .addPaymentMethodType("sepa_debit")
          .setPaymentMethodData(
            PaymentIntentCreateParams.PaymentMethodData.builder()
              .setType(
                PaymentIntentCreateParams.PaymentMethodData.Type.SEPA_DEBIT
              )
              .setSepaDebit(
                PaymentIntentCreateParams.PaymentMethodData.SepaDebit.builder()
                  .setIban("DE89370400440532013000") // Example IBAN
                  .build()
              )
              .setBillingDetails(
                PaymentIntentCreateParams.PaymentMethodData.BillingDetails.builder()
                  .setEmail("jenny.rosen@example.com")
                  .setName("Jenny Rosen")
                  .build()
              )
              .build()
          )
          .setConfirm(true) // Confirm the PaymentIntent immediately
          .build();

      PaymentIntent paymentIntent = PaymentIntent.create(params);
      System.out.println("SEPA PaymentIntent created: " + paymentIntent.getId());
      System.out.println("Status: " + paymentIntent.getStatus());
    } catch (Exception e) {
      System.err.println("Error: " + e.getMessage());
    }
  }
}

Understanding iDEAL Payments

iDEAL is the most popular online payment method in the Netherlands, enabling customers to pay directly from their bank account.

  • Instant Authorization: Payments are authorized in real-time.
  • Bank Redirect: Customers are redirected to their bank's online environment.
  • No Chargebacks: iDEAL payments are guaranteed and cannot be reversed by the customer.

It's a single-use, push-based payment method.

iDEAL Integration Example

To accept iDEAL, you create a Payment Intent with ideal as a payment method type. Stripe handles the redirection to the customer's bank.

Here's how you might create an iDEAL Payment Intent on your server:

import com.stripe.Stripe;
import com.stripe.model.PaymentIntent;
import com.stripe.param.PaymentIntentCreateParams;

public class Main {
  public static void main(String[] args) {
    Stripe.apiKey = "sk_test_YOUR_SECRET_KEY"; // Replace with your actual key

    try {
      PaymentIntentCreateParams params =
        PaymentIntentCreateParams.builder()
          .setAmount(1500L) // Amount in cents (e.g., €15.00)
          .setCurrency("eur")
          .addPaymentMethodType("ideal")
          .setReturnUrl("https://example.com/return") // URL to redirect after payment
          .setPaymentMethodData(
            PaymentIntentCreateParams.PaymentMethodData.builder()
              .setType(
                PaymentIntentCreateParams.PaymentMethodData.Type.IDEAL
              )
              .setIdeal(
                PaymentIntentCreateParams.PaymentMethodData.Ideal.builder()
                  .setBank("ing") // Optional: Pre-select bank, e.g., 'ing', 'rabobank'
                  .build()
              )
              .setBillingDetails(
                PaymentIntentCreateParams.PaymentMethodData.BillingDetails.builder()
                  .setName("Jane Doe")
                  .build()
              )
              .build()
          )
          .build();

      PaymentIntent paymentIntent = PaymentIntent.create(params);
      System.out.println("iDEAL PaymentIntent created: " + paymentIntent.getId());
      System.out.println("Client Secret: " + paymentIntent.getClientSecret());
      System.out.println("Next Action URL: " +
        paymentIntent.getNextAction().getRedirectToUrl().getUrl());
    } catch (Exception e) {
      System.err.println("Error: " + e.getMessage());
    }
  }
}

AliPay & WeChat Pay in Asia

AliPay and WeChat Pay are dominant digital wallet payment methods in China and widely used across Asia.

  • Mobile-First: Primarily used via QR codes on mobile devices.
  • Instant Payments: Transactions are confirmed in real-time.
  • Wide Adoption: Essential for targeting customers in China and other Asian markets.

These methods are also push-based, requiring customer authentication through their mobile app.

AliPay Integration Example

Integrating AliPay involves creating a Payment Intent with alipay as a payment method type. The customer will typically scan a QR code to authorize the payment.

Here's how to create an AliPay Payment Intent:

import com.stripe.Stripe;
import com.stripe.model.PaymentIntent;
import com.stripe.param.PaymentIntentCreateParams;

public class Main {
  public static void main(String[] args) {
    Stripe.apiKey = "sk_test_YOUR_SECRET_KEY"; // Replace with your actual key

    try {
      PaymentIntentCreateParams params =
        PaymentIntentCreateParams.builder()
          .setAmount(2000L) // Amount in cents (e.g., $20.00)
          .setCurrency("usd") // AliPay can support various currencies
          .addPaymentMethodType("alipay")
          .setReturnUrl("https://example.com/return") // URL to redirect after payment
          .build();

      PaymentIntent paymentIntent = PaymentIntent.create(params);
      System.out.println("AliPay PaymentIntent created: " + paymentIntent.getId());
      System.out.println("Client Secret: " + paymentIntent.getClientSecret());
      System.out.println("Next Action Type: " +
        paymentIntent.getNextAction().getType());
      // In a real app, you'd show the QR code or redirect URL to the user
    } catch (Exception e) {
      System.err.println("Error: " + e.getMessage());
    }
  }
}

General APM Integration Flow

While each APM has specifics, the general integration flow with Stripe often follows these steps:

  1. Server-side: Create a PaymentIntent specifying the desired APM (e.g., sepa_debit, ideal, alipay).
  2. Client-side: Use Stripe.js to confirm the PaymentIntent, often involving user redirection or displaying a QR code.
  3. Customer Action: The customer authenticates or completes the payment on their bank or wallet app.
  4. Server-side: Handle webhooks for asynchronous status updates (e.g., payment_intent.succeeded, payment_intent.payment_failed).

APM Best Practices

Integrating APMs effectively requires attention to a few best practices:

  • Handle Asynchronicity: Many APMs are not instant. Rely on webhooks for final payment status.
  • Clear User Experience: Guide users through redirects and authentication steps clearly.
  • Error Handling: Implement robust error handling for payment failures and cancellations.
  • Localization: Display payment options and messages in the customer's local language.

Always test extensively in Stripe's test mode.

Check Your Knowledge

Which of the following statements about Alternative Payment Methods (APMs) and their integration with Stripe are TRUE?

Responde en la lección interactiva

Recap: Global Payments

You've learned about the importance of integrating international payment methods to serve a global customer base. We covered:

  • What APMs are and why they are crucial.
  • Specifics of SEPA Direct Debit, iDEAL, and AliPay/WeChat Pay.
  • How to integrate these methods using Stripe's Payment Intents API with runnable code examples.
  • General integration flows and best practices for handling APMs.

By offering these diverse options, you can significantly improve conversion rates and customer satisfaction worldwide!

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Sí — el texto completo de «Integración de métodos de pago internacionales» es gratis para leer aquí en la web. Para practicarla de forma interactiva (editor de código integrado y tutor de IA 24/7) y desbloquear el resto del curso de Stripe Payments & SaaS Billing Systems, actualiza a CoddyKit PRO. El curso de Stripe Payments & SaaS Billing Systems incluye 4 lecciones en total.

¿Qué aprenderé en «Integración de métodos de pago internacionales»?

Explore e integre diversos métodos de pago internacionales más allá de las tarjetas de crédito, como SEPA, iDEAL y AliPay. Practicas Stripe Payments & SaaS Billing Systems con código real que ejecutas directamente en el navegador, y un tutor de IA 24/7 responde tus preguntas mientras trabajas en la lección.

¿Necesito experiencia previa para empezar Stripe Payments & SaaS Billing Systems?

No se requiere experiencia previa. Stripe Payments & SaaS Billing Systems en CoddyKit está estructurado para principiantes hasta estudiantes avanzados, así que puedes empezar aquí o desde el inicio y avanzar a tu ritmo. Esta es la lección 2 de 4.

¿Cuánto tiempo toma la lección «Integración de métodos de pago internacionales»?

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Todas las lecciones de este curso

  1. Compatibilidad con múltiples monedas y precios
  2. Integración de métodos de pago internacionales
  3. Cumplimiento normativo global y regulaciones locales
  4. Conversión de divisas, riesgo cambiario y liquidación
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