How customers pay at checkout

The ways to pay that a customer sees at checkout depend on what you've switched on. Each one only shows when it is ready.

• Pay by card: once your Stripe account is Active.
• Express checkout (Apple Pay, Google Pay, Link): once your Stripe account is Active, if the customer's device or browser has one of them set up.
• Pay later — Klarna, Clearpay: once you've turned on Buy Now, Pay Later and Stripe has approved it. See Buy Now, Pay Later with Klarna and Clearpay.
• Cash on delivery: unless you've turned it off.

If a store has no way to pay switched on, the checkout tells customers "This shop isn't taking payments online yet. Please contact the shop to order."

Paying by card

1. 1The customer fills in their details and delivery, chooses Pay by card ("Secure card payment, powered by Stripe") and places the order.
2. 2They're taken to Stripe's secure payment page to enter their card. Depending on their device and your Stripe settings, Stripe may offer wallets such as Apple Pay or Google Pay on that page too.
3. 3If their bank wants to check it's really them (3-D Secure, part of Strong Customer Authentication), Stripe handles that step with the bank.
4. 4They come back to your store and see "Payment received — thank you. Your order is confirmed." They get a confirmation email once the payment is confirmed.

Comrc confirms every payment with Stripe itself before it marks an order paid. Coming back to your store is never taken as proof of payment.

Express checkout

On the shop checkout, customers whose device has Apple Pay, Google Pay or Link see an Express checkout section at the top. The wallet fills in their name, contact details and address, and the delivery charge is worked out from that address. If the total changes while they are paying, Comrc stops before taking any money and asks them to check the total and try again.

If a device has no wallet set up, the section doesn't appear at all, and the customer uses the form below it as usual.

If the customer doesn't finish paying

If a customer leaves Stripe's page without paying, they're brought back to checkout with "Your payment wasn't completed, so nothing has been charged". Their basket and details are kept, so they can try again or choose another way to pay. What you see in the console is explained in Unpaid and failed payments.

Payments that take a moment

Some payments, such as Klarna and Clearpay, are confirmed a little after the customer leaves Stripe's page. The customer sees "We're confirming your payment" and gets an email once it's done.