Stripe支付，国外支付Stripe、跨境支付

xiaoxiao2022-07-03 116

好记星不如烂笔头，这里记录平时工作中用到的东西，不喜可以留言。

美国跨境支付stripe

测试说明，你需要办理至少一张国际信用卡，比如visa、master、AE(American Express credit 卡)都可以，国内的银联卡不支持的。 eg: 已经隐藏卡号，部分内容，请不要测试。可以自己在国内办理。或者使用测试环境进行测试；说明，这些卡，国内信用卡都可以办理，之前如果有信用卡，开通这些行用卡非常过，基本上可以直接申请。国内各大银行都可以申请双币或者多币卡 4984 5130 xxxx xxxX 0X/23 XXX 3771 146143 xxxxX 0X/22 36XX 4895xxxx4960614X 1X/21 65X 3793 xxxx50 2100X 1X/24 31X1

stripe支付模式和国内的支付宝、微信完全不一样，支付金额全部是后台自己控制。一个订单实付支付重复也需要自己进行判断，stripe不做重复性的判断。 stripe的手续费：stripe支付，一般最低要求4

H K, 每 笔 基 本 上 都 会 扣 除 2.5

HK的手续费，还是非常贵的。 JAVA后台代码 package com.ourslook.mall.api.pay; package com.ourslook.mall.api.pay; import com.ourslook.mall.util.DateUtils; import com.ourslook.mall.util.RandomUtils; import com.ourslook.mall.util.RrException; import com.ourslook.mall.util.XaUtils; import com.ourslook.mall.util.annotation.IgnoreAuthToken; import com.ourslook.mall.util.distributedlock.DistributedLockUtil; import com.ourslook.mall.util.distributedlock.IDistributedLock; import com.ourslook.mall.util.pay.stripe.StripePayUtil; import com.ourslook.mall.util.result.XaResult; import com.ourslook.mall.util.validator.AbstractAssert; import com.stripe.Stripe; import com.stripe.exception.InvalidRequestException; import com.stripe.exception.StripeException; import com.stripe.model.BalanceTransaction; import com.stripe.model.Charge; import com.stripe.model.Customer; import com.stripe.model.Refund; import io.swagger.annotations.Api; import io.swagger.annotations.ApiOperation; import io.swagger.annotations.ApiParam; import org.slf4j.Logger; import org.slf4j.LoggerFactory; import org.springframework.beans.factory.annotation.Autowired; import org.springframework.data.redis.core.StringRedisTemplate; import org.springframework.stereotype.Controller; import org.springframework.web.bind.annotation.*; import springfox.documentation.annotations.ApiIgnore; import javax.servlet.http.HttpServletRequest; import java.util.HashMap; import java.util.Map; import java.util.concurrent.TimeUnit; /** * @author dazr * @version V1.0 * <p> * 美国跨境支付stripe 支付相关接口 * @date 2019年6月10日下午1:00:00 * <p> * 卡支付：https://stripe.com/docs/sources/cards * api首页：https://stripe.com/docs/api * <p> * mvn jar 搜索：com.stripe stripe-java 即可 * <p> * [没有体验过stripe同学，可以使用modao体验](https://free.modao.cc/me/settings) * <p> * https://demo.mall.com.cn/ * https://www.qcurepay.co/ * https://chainmate.io/ * <p> * 自定义stripe checkout 比如自定义语言 Customizing Checkout https://stripe.com/docs/payments/checkout/customization#null * 自定义 elements 语言locate zh https://stripe.com/docs/stripe-js/reference#stripe-elements * <p> * 关于：小程序使用stripe的说明，小程序没有dom元素。就无法直接生成stripe支付使用src原id: 见小程序stripe https://segmentfault.com/q/1010000015548618 */ @Api(value = "pay_stripe", description = "美国跨境支付strpe", position = 10) @Controller @CrossOrigin @RequestMapping("/api/stripe") public class ApiPayStripeController { private Logger logger = LoggerFactory.getLogger(getClass()); @Autowired private StringRedisTemplate redisTemplate; /** * 步骤一：客户端初始化代码创建Source对象 * 文档路径 https://stripe.com/docs/sources/cards#create-source * 代码片段 https://stripe.com/docs/stripe-js/elements/quickstart * <p> * <p> * 步骤二 Charge the Source 【为Source支付】 * 2.1：Attaching the Source to a Customer 根据客户端source获取客户的详细信息Customer * 文档路径/代码片段：https://stripe.com/docs/sources/cards#charge-request * 2.2：Making a charge request to finalize the payment 提出收费要求以完成付款 * 文档路径/代码片段：https://stripe.com/docs/sources/cards#making-a-charge-request-to-finalize-the-payment * <p> * <p> * <p> * 步骤三 Step 3: Confirm that the charge has succeeded 可以通过自定义回调webhook事件确定是否支付成功 * https://stripe.com/docs/sources/cards#charge-confirmation * EVENT：charge.succeeded * EVENT：charge.failed * <p> * <p> * http://127.0.0.1:8988/mall/api/stripe/creditCardCharges?stripeSourceId=src_1FtqeOJ8lGCmQwVAVvwlcIlx&email=ab601026460@163.com&orderNo=QC111111 * <p> * 说明，stripe的手续费很高，2元+3%左右的一个手续费，并且退款了，这个手续费也收着的； */ @SuppressWarnings("all") @ApiOperation(value = "信用卡支付", notes = "Charge the Source【为Source支付】，具体分为两步【1：根据客户端创建的source获取顾客信息 Customer 2：支付成功】；针对：Visa、Mastercard和American Express 支付") @ResponseBody @IgnoreAuthToken @RequestMapping(value = "creditCardCharges", method = RequestMethod.GET) public XaResult<Charge> creditCardPay( @ApiParam(value = "客户端输入了信用卡账号之后创建的source对象/token对象,详见文档【Step 1: Create a Source object】,字段名:stripeSourceId；这里是sourceId或者token都可以; token：tok_KPte7942xySKBKyrBu11yEpf", defaultValue = "src_18eYalAHEMiOZZp1l9ZTjSU0") @RequestParam(value = "stripeSourceId", required = true) String stripeSourceId, @ApiParam(value = "email,字段名:email,请填写自己的email", defaultValue = "ab601026460@163.com") @RequestParam(value = "email", required = false) String email, @ApiParam(value = "订单号,字段名:orderNo", defaultValue = "QC1234567890") @RequestParam(value = "orderNo", required = false) String orderNo, HttpServletRequest request ) throws RrException { orderNo = !XaUtils.isValid(orderNo) ? RandomUtils.getRandomOrderNo() + "__" + System.currentTimeMillis() : orderNo; AbstractAssert.isOk(XaUtils.isValid(orderNo), "订单号不能为空, orderNo = " + orderNo); XaResult<Charge> xr = new XaResult(); // 防止出现重复支付，这里使用分布式锁 // 分布式锁lock-1: 获取锁，超时15S; 锁过期使用2分钟; 锁解决高并发问题 IDistributedLock distributedLock = DistributedLockUtil.getDistributedLock("order:" + orderNo, 2 * 60 * 1000, 15 * 1000); if (!distributedLock.acquire()) { //超时，没有获取到分布式锁，这里直接拒绝 xr.error("正在支付，请稍等..(lock获取失败)"); return xr; } String redisKey = DistributedLockUtil.assembleKey("order:" + orderNo + ":data"); boolean isPaySucess = false; try { // 分布式锁lock-2: 前置条件判断 // 如果已经获取到锁，这里必须进行前置条件判断。解决重复执行 // （eg: 支付、下单、抽奖、等业务逻辑）【可能用户重复点击，但是执行很快，导致多次执行】 // 这里需要重数据库重新取值，才可以。 if (XaUtils.isNotEmpty(redisTemplate.opsForValue().get(redisKey))) { xr.error("已经支付，请勿重复支付.."); return xr; } // 如果，没有支付过，这里设置一个标志 redisTemplate.opsForValue().set(redisKey, DateUtils.getCurrentDateAsFileName(), 15, TimeUnit.DAYS); // Set your secret key: remember to change this to your live secret key in production // See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.apiKey = StripePayUtil.API_KEY; //======StripeStep1: 根据客户端source获取到customer对象 Map<String, Object> customerParams = new HashMap<String, Object>(); customerParams.put("email", XaUtils.getNutNullStr(email, "我是默认的邮箱dazer@dazer.com"));//选填：email customerParams.put("name", "李易峰（顾客姓名）");//选填： name 如，顾客的姓名 customerParams.put("description", "我是商品描述");//选填： description 如，商品的名称 customerParams.put("source", stripeSourceId);//soureZZZId: 类似 src_18eYalAHEMiOZZp1l9ZTjSU0 ，必须是客户端输入信用卡账号之后客户端获取的原对象的id //下面三个参数都是可选参数这里可以添加可选自定义参数，如自定义：order_no //描述，可以选；参数名字，可以自己随便起 Map<String, String> metadata = new HashMap<>(); metadata.put("order_no", "88888888888"); metadata.put("email", "liyifeng@163.com"); metadata.put("tag", "活动付款"); customerParams.put("metadata", metadata); Customer customer = null; try { // Customer 对象api https://stripe.com/docs/api/customers/object customer = Customer.create(customerParams); } catch (StripeException e) { e.printStackTrace(); if (e instanceof InvalidRequestException && e.getLocalizedMessage().contains("The source you provided has already been attached to a customer")) { throw new RrException("你已经支付过一次了，请不要重复点击;", e); } throw new RrException("stripe获取对象失败,详看日志:" + e.getMessage(), e); } //======StripeStep2: 根据customer对象进行支付 Map<String, Object> chargeParams = new HashMap<String, Object>(); // 港币：Amount must be at least 400 cents 美分 4港币；港币目前至少是400 // 人民币：Amount must convert to at least 400 cents. ¥0.01 converts to approximately $0.01.; 人民币：355分 // 美元：最少 58 美分 US$ // 美元：最少 400 港分 HK$ // 最终都是依港币进行结算的 chargeParams.put("amount", 1001);//必须是整数 chargeParams.put("currency", "HKD");//USD 美元、CNY 人民币、HKD 港币 chargeParams.put("customer", customer.getId());//类似: cus_AFGbOSiITuJVDs chargeParams.put("source", stripeSourceId);//类似：src_18eYalAHEMiOZZp1l9ZTjSU0 chargeParams.put("metadata", metadata);//描述，可以选 // Charge 对象api https://stripe.com/docs/api/charges/object Charge charge = null; try { charge = Charge.create(chargeParams); } catch (StripeException e) { e.printStackTrace(); if (StripePayUtil.CODE_AMOUNT_TOO_SMALL.equalsIgnoreCase(e.getCode())) { throw new RrException("stripe支付金额太小，至少400美分，注意实时汇率；详：" + e.getMessage(), e); } else { throw new RrException("stripe调用Charge失败,详看日志:" + e.getMessage(), e); } } if (logger.isInfoEnabled()) { logger.info("charge对象获取成功，但不一定表示支付成功，虽然大部分情况是支付成功的..."); } xr.setObject(charge); // 这里需要把 chargeid [支付id 方便退款] 和 balanceTransactionId[交易id方便查账单、手续费等] 保存起来，方便退款。eg: ch_1FtlhDJ8lGCmQwVAyZ5Jjx1Z //https://stripe.com/docs/api/charges/object#charge_object-status if ("succeeded".equalsIgnoreCase(charge.getStatus())) { //succeeded 支付成功 //======StripeStep3 获取交易的手续费 //这里获取本笔的校验信息 https://stripe.com/docs/api/balance_transactions/object String balanceTransactionId = charge.getBalanceTransaction(); BalanceTransaction balanceTransaction = null; try { balanceTransaction = BalanceTransaction.retrieve(balanceTransactionId); } catch (StripeException e) { e.printStackTrace(); } if (balanceTransaction != null) { //交易总金额，单位美分 Long amount = balanceTransaction.getAmount(); //交易收取的手续费，单位美分 Long fee = balanceTransaction.getFee(); // 货币单位 String currency = balanceTransaction.getCurrency().toUpperCase(); logger.info("订单:{}，交易总金额amount:{}{}, 其中手续费fee:{}{}", orderNo, amount, currency, fee, currency); } try { //这里处理业务 // xxxService.xxxx // xr.setMsg("succeeded 支付成功"); isPaySucess = true; } catch (Exception e) { e.printStackTrace(); //======StripeStep4 //万一业务处理失败，抛出异常。这里需要进行退款，否则业务就出现问题了 if (charge != null && XaUtils.isNotEmpty(charge.getId())) { // 万一，付款成功之后，执行失败了，这里进行退款 Map<String, Object> params = new HashMap<>(); params.put("charge", charge.getId());//eg: ch_IGZpZZVn6H47dNUC2VOU //params.put("amount", 1000);//要退还部分费用，请提供一个amount参数，以整数美分（或收费货币的最小货币单位） Refund refund = null; try { refund = Refund.create(params); } catch (StripeException ee) { e.printStackTrace(); } } throw new RrException("支付失败，请联系管理员！"); } } else if ("pending".equalsIgnoreCase(charge.getStatus())) { //pending 支付结果要继续进行等待 xr.setMsg("pending 支付结果要继续进行等待"); } else { //failed 支付失败 xr.setMsg("failed 支付失败"); } } finally { // 分布式锁lock-3-1: 释放锁 if (distributedLock != null) { distributedLock.release(); } // 分布式锁lock-3-1: 如果执行失败，这里要删除key if (!isPaySucess) { redisTemplate.delete(redisKey); } } return xr; } /** * 退款 * 代码片段/文档：https://stripe.com/docs/refunds#refunds-charges * <p> * http://127.0.0.1:8001/qcure/api/stripe/refunds?chargeId=ch_1FRUuTEEsRhJ9o6lfcg1mmnq */ @ApiIgnore @SuppressWarnings("all") @ApiOperation(value = "refunds退款", notes = "refunds退款") @ResponseBody @IgnoreAuthToken @RequestMapping(value = "refunds", method = RequestMethod.GET) public XaResult<Refund> refunds( @ApiParam(value = "charge对象id,字段名:chargeId,信用卡支付成功获取到的charge对象", defaultValue = "ch_1Elrq4EEsRhJ9o6ldDCqaS36") @RequestParam(value = "chargeId", required = false) String chargeId, HttpServletRequest request ) throws Exception { // Set your secret key: remember to change this to your live secret key in production // See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.apiKey = StripePayUtil.API_KEY; XaResult<Refund> xr = new XaResult<>(); Map<String, Object> params = new HashMap<>(); params.put("charge", chargeId);//eg: ch_IGZpZZVn6H47dNUC2VOU //params.put("amount", 1000);//要退还部分费用，请提供一个amount参数，以整数美分（或收费货币的最小货币单位） Refund refund = null; try { refund = Refund.create(params); xr.setObject(refund); if ("succeeded".equalsIgnoreCase(refund.getStatus())) { xr.setMsg("退款成功"); } else { xr.setMsg("退款失败"); } } catch (StripeException e) { if (StripePayUtil.CODE_CHARGE_ALREADY_REFUNDED.equalsIgnoreCase(e.getCode())) { xr.setMsg("退款成功, 您已经退款过了，请不要重复退款！"); } else { throw new RrException("退款申请失败：" + e.getMessage(), e); } e.printStackTrace(); } return xr; } } /** * @author xy */ public class StripePayUtil { /** * apikey查看地方 * https://dashboard.stripe.com/apikeys * 正式环境 * * pk_live_4L75w76q0pJ9f9aCcuy0JuNw003XdosVg1 正式 * pk_test_TYooMQauvdEDq54NiTphI7jx 正式 * * SK:sk_live_dj7tGb1BvwyJqN0TdfbMmpmk00EYXbo6jV 密钥；后台使用【sk_live_】 * PK: pk_live_qFarErZ5k3Cc5WHmbT5AdEY000n6CKuADA 可以发布密钥；前端使用：【pk_live_】 */ public static final String API_KEY = "sk_live_dj7tGb1BvwyJqN0TdfbMmpmk00EYXbbo6jV"; /**测试环境*/ /* public static final String API_KEY = "sk_test_1M3fvX5yaujIJJgTHaN0dnSJ00fKueenTu1";*/ // public static final String API_KEY = "sk_test_4eC39HqLyjWDarjtT1zdp7dcn"; /**支付金额太少，至少400美分*/ public static final String CODE_AMOUNT_TOO_SMALL = "amount_too_small"; /** 请勿重复退款 */ public static final String CODE_CHARGE_ALREADY_REFUNDED = "charge_already_refunded"; /** * 步骤一：客户端初始化代码创建Source对象 * 文档路径 https://stripe.com/docs/sources/cards#create-source * 代码片段 https://stripe.com/docs/stripe-js/elements/quickstart * <p> * <p> * 步骤二 Charge the Source 【为Source支付】 * 2.1：Attaching the Source to a Customer 根据客户端source获取客户的详细信息Customer * 文档路径/代码片段：https://stripe.com/docs/sources/cards#charge-request * 2.2：Making a charge request to finalize the payment 提出收费要求以完成付款 * 文档路径/代码片段：https://stripe.com/docs/sources/cards#making-a-charge-request-to-finalize-the-payment * <p> * <p> * <p> * 步骤三 Step 3: Confirm that the charge has succeeded 可以通过自定义回调webhook事件确定是否支付成功 * https://stripe.com/docs/sources/cards#charge-confirmation * EVENT：charge.succeeded * EVENT：charge.failed * <p> * <p> * http://127.0.0.1:8001/qcure/api/stripe/creditCardPay */ } stripe信用卡付款html前端代码 <html>     <head> <script src="https://js.stripe.com/v3/"></script>  <style type="text/css"> /** * The CSS shown here will not be introduced in the Quickstart guide, but shows * how you can use CSS to style your Element's container. */ .StripeElement { box-sizing: border-box; height: 40px; padding: 10px 12px; border: 1px solid transparent; border-radius: 4px; background-color: white; box-shadow: 0 1px 3px 0 #e6ebf1; -webkit-transition: box-shadow 150ms ease; transition: box-shadow 150ms ease; } .StripeElement--focus { box-shadow: 0 1px 3px 0 #cfd7df; } .StripeElement--invalid { border-color: #fa755a; } .StripeElement--webkit-autofill { background-color: #fefde5 !important; } </style> <script type="text/javascript" language="JavaScript"> window.onload=function (){ // Create a Stripe client. var stripe = Stripe('pk_live_4L75w76q0pJ9f9aCcuy0JuNw003XdosVg1'); // Create an instance of Elements. // Create an instance of Elements. // 自定义 elements 语言 https://stripe.com/docs/stripe-js/reference#stripe-elements var elements = stripe.elements({locale:'zh'}); // Custom styling can be passed to options when creating an Element. // (Note that this demo uses a wider set of styles than the guide below.) var style = { base: { color: '#32325d', fontFamily: '"Helvetica Neue", Helvetica, sans-serif', fontSmoothing: 'antialiased', fontSize: '16px', '::placeholder': { color: '#aab7c4' } }, invalid: { color: '#fa755a', iconColor: '#fa755a' } }; // Create an instance of the card Element. var card = elements.create('card', {style: style}); // Add an instance of the card Element into the `card-element` <div>. card.mount('#card-element'); // Handle real-time validation errors from the card Element. card.addEventListener('change', function(event) { var displayError = document.getElementById('card-errors'); if (event.error) { displayError.textContent = event.error.message; } else { displayError.textContent = ''; } }); // Handle form submission. var form = document.getElementById('payment-form'); form.addEventListener('submit', function(event) { event.preventDefault(); stripe.createSource(card).then(function(result) { if (result.error) { // Inform the user if there was an error. var errorElement = document.getElementById('card-errors'); errorElement.textContent = result.error.message; } else { // Send the token to your server. stripeTokenHandler(result.source); } }); }); }; // Submit the form with the token ID. function stripeTokenHandler(source) { // Insert the token ID into the form so it gets submitted to the server var form = document.getElementById('payment-form'); var hiddenInput = document.createElement('input'); hiddenInput.setAttribute('type', 'hidden'); hiddenInput.setAttribute('name', 'stripeSourceId'); hiddenInput.setAttribute('value', source.id); form.appendChild(hiddenInput); // Submit the form form.submit(); } </script> </head> <body> <form action="http://127.0.0.1:8001/qcure/api/stripe/creditCardCharges" method="GET" id="payment-form"> <div class="form-row"> <label for="card-element"> Credit or debit card </label> <div id="card-element">  </div>  <div id="card-errors" role="alert"></div> </div> <button>Submit Payment</button> </form> </body> </html>

stripe 信用卡支付demo - csdn下载地址

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