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Stripe is a payment gateway and merchant account combined. This means that you don't need to open a separate account with your bank, as well as Stripe, to receive online payments. Instead Stripe offer everything you need to accept credit/debit card payments from your customers and for that money to go straight into your bank account.

Stripe charges 1.4% + 20p on each transaction you process. So a transaction of £100.00 will cost £1.40 + 20p, £1.60 in total processing fees.

All the different payment gateways available will make a charge for each transaction you process, but have slightly different charging structures. On a comparison with other payment gateways, Stripe offer a competitive rate.

Stripe will offer a discount on this standard rate if you are processing a large value of transactions.

Compared to other payment gateways like SagePay or WorldPay, Stripe is relatively new (although it was formed in 2011) - so it's infrastructure has been built for the modern digital economy and they are very often one of the first of the major payment gateways to offer new available features like ApplePay or 3DS 2.0.

One of the other benefits of using Stripe as your payment gateway is that you'll have the ability to use our subscription system to process recurring payments.

Opening a Stripe account

If you don't already have a Stripe account, you'll need to open one.

Your Stripe account can usually be created within just a few minutes and you will be able to start processing transactions after you've confirmed your identity.

To open a Stripe account, click here.

Stripe doesn't charge a monthly or minimum fee.

ShopWired integration

ShopWired has a ready made integration with Stripe which means that to link your online store to accept payments through Stripe, you just need to enter two 'API keys' (given to you by Stripe) into your ShopWired account.

Because the integration keeps your customers on your website when entering their credit/debit card details you'll need to ensure you have activated an SSL certificate on your account before processing live customer tranasctions (in order to protect cardholder data).

This can be done within your ShopWired account by following the instructions here.