How to set up and use the Stripe Payment Gateway

Payment Gateway overview

Stripe is a Payment Gateway available in RMS to provide PCI-compliant (Payment Card Industry compliant) credit card storage and payment processing.

Payment Gateways are eCommerce applications provided by merchant services that authorise and process credit card payments securely and in compliance with PCI standards. Connecting a Payment Gateway account with RMS provides:

• Secure credit card storage
• Payment processing and refunds
• Direct processing from within RMS

This article explains how to set up the Stripe Payment Gateway in RMS to securely process guest payments. This is useful when you need to accept online payments during booking, check-in, or check-out.

The cardholder's name and email address entered during online payment are securely recorded in the Stripe portal.

Payment Types

Stripe includes the following eCommerce payment types:

• Credit Card
• Alipay
• WeChat

Payments processed via Stripe can be sent to the Interactive Guest Portal for guests to complete payment during digital check-in or check-out.

Supported Functions

The table below outlines which payment functions are available in Stripe across EFTPOS and eCommerce transaction types.

Transaction Type Definitions

EFTPOS (Electronic Funds Transfer at Point of Sale):
Electronic payments processed with the card present using a connected device
at the time of sale.

eCommerce:
All card transactions processed electronically via the Internet.
This includes payments processed in RMS with a credit card token or card details,
as well as payments processed via the RMS Booking Engine and Guest Portal.

Blind Refunds:
Blind refunds permit users to refund any nominated value through the
payment gateway to any available credit card token.
The ability to perform a blind refund must be enabled in the payment gateway
account prior to being enabled in RMS.

Stripe setup

To process guest credit card payments securely, you must request access to raw card data APIs from Stripe Support. Follow these steps:

1. Log in to the Stripe portal.
2. Submit a support request to Stripe to enable access to raw card data APIs.
3. When submitting the request, name RMS as the third-party provider you work with.
4. Provide Stripe with your RMS account details for verification.

RMS maintains full PCI (Payment Card Industry) compliance. Our certifications can be found at https://trust.rmscloud.com.

RMS setup

Once you have received your Stripe credentials, configure the Payment Gateway in RMS using the following steps:

In the side menu of RMS, go to Setup > Property Options > Property Information.

1. Select Edit on an existing Property. 
   
    
2. Navigate to the Payment Gateway tab.
3. Select the Ecommerce toggle.
4. Select Stripe as the Payment Gateway.
5. Enter the Stripe Publishable Key (provided by Stripe in your account settings).
6. Enter the Stripe Secret Key (provided by Stripe in your account settings).
7. Select the Pre Authorisation Calculation.
   Select the checkbox 'Warn on check-in if no Pre Authorisation exists' (Optional).
8. Select Save/Exit. 
   

Troubleshooting

If you encounter issues with Stripe payment processing, consider the following:

Payments are declined

Check the following:

• Verify that your Stripe Publishable and Secret Keys are correct. Keys must be copied exactly from your Stripe account settings.
• Ensure that Ecommerce is enabled in the Payment Gateway settings.
• Confirm that raw card data API access has been approved by Stripe Support.
• Check with your payment processor or bank for transaction decline reasons.

Pre-authorisation is not working

• Verify that a Pre-Authorisation Calculation method has been selected in the Payment Gateway tab.
• Confirm that the cardholder's credit card is valid and has sufficient funds.
• Check that the guest's profile includes a valid payment token.