Base de Conhecimento

For businesses on the Large Plan, Shoppi offers the flexibility to use your own Stripe keys, giving you full control over your payment processing. By connecting Stripe directly to your Shoppi store, you can manage payments independently, save on commission fees, and take full responsibility for all transactions. This article explains how to set up your Stripe keys and outlines the cost benefits of using your own Stripe account.

Step 1: Why Use Your Own Stripe Keys on the Large Plan?

When you're subscribed to the Large Plan, you gain several advantages by using your own Stripe keys:

1. Lower Commission Fees:

   • For lower Shoppi plans, additional commission fees apply (e.g., +0.5% + 1¢ per transaction) on top of Stripe's standard rates. However, on the Large Plan, you only pay Stripe's transaction fees when using your own Stripe keys for direct payments. This can result in significant savings, especially if you're processing a high volume of transactions.

   • To check Stripe's standard pricing, visit Stripe Pricing. Typically, Stripe charges 2.9% + 30¢ per successful charge for most card transactions, but fees may vary based on the type of transaction or region.

2. Full Control Over Payments:

   • With your Stripe keys, you’re fully responsible for handling payments, managing refunds, and processing customer disputes. This gives you greater flexibility and autonomy in managing transactions directly through your Stripe dashboard.

3. Marketplace Commission:

   • For payments made through the Shoppi Marketplace, standard commission fees still apply. However, for payments made directly to your business outside the marketplace (e.g., via your website), you will only be responsible for Stripe's fees.

Step 2: How to Add Your Stripe Keys on the Large Plan

If you’re on the Large Plan, here’s how you can add your own Stripe keys and take full control of your payments:

1. Log In to Your Shoppi Dashboard:

   • Start by logging into your Shoppi Dashboard using your credentials.

2. Navigate to Settings > Stripe:

   • In the left-hand menu, go to Settings and select Stripe. This is where you can input your Stripe API keys.

3. Add Your Stripe API Keys:

   • You will need two API keys from your Stripe account:
     1. Publishable Key: Used to identify your Stripe account.
     2. Secret Key: Used to securely manage payments and sensitive transactions.
   • You can retrieve these keys by logging into your Stripe dashboard, navigating to Developers > API Keys, and copying both the Publishable Key and Secret Key.

4. Enter the API Keys in Shoppi:

   • Paste both your Publishable and Secret Keys into the corresponding fields in your Shoppi account and save the changes.

   • Once completed, your store will be connected to your Stripe account, and all payments will be processed directly through Stripe.

Step 3: Understanding the Commission Structure on the Large Plan

1. Direct Payments:

   • For direct payments made to your Stripe account (e.g., through your website or custom payment links), you will only pay Stripe's standard fees. No additional commissions are charged by Shoppi for direct payments when you're on the Large Plan.

2. Shoppi Marketplace Sales:

   • Payments processed within the Shoppi Marketplace will still incur the standard Shoppi commission fees. These commissions apply to marketplace-related sales and are separate from Stripe's transaction fees.

   • However, using your own Stripe keys ensures that payments made outside of the marketplace (e.g., your own store) are subject only to Stripe’s fees, giving you greater control over your profits.

Step 4: Benefits of Using Your Own Stripe Keys on the Large Plan

1. Lower Transaction Costs:

   • By bypassing the additional commission fees that apply to lower plans (+0.5% + 1¢ per transaction), you can reduce your overall transaction costs and retain more of your revenue. You only pay Stripe’s fees for direct payments processed through your Stripe account.

2. Full Payment Control:

   • You are in complete control of your payment operations. This means you can handle refunds, disputes, and payment management directly in your Stripe dashboard without going through Shoppi.

3. Access to Advanced Stripe Features:

   • With full access to Stripe's dashboard, you can use advanced features such as subscription management, recurring billing, detailed analytics, and customer payment data to optimize your business.

4. Customization and Flexibility:

   • Using your own Stripe keys allows for greater flexibility in how you manage payments, create customized workflows, and implement tailored payment solutions for your customers.

Step 5: Managing Payments and Transactions

1. Stripe Dashboard:

   • Once connected, you’ll be able to manage all of your payments directly through the Stripe Dashboard. This includes viewing transactions, handling refunds, managing customer disputes, and accessing comprehensive analytics on payment performance.

2. Monitor Fees and Payouts:

   • You can easily track transaction fees and payouts through Stripe’s intuitive interface. Stripe's pricing is transparent, and you can view all charges directly in your dashboard.

3. Full Responsibility:

   • While using your own Stripe keys gives you more control, it also means you are fully responsible for all payment-related activities, including handling security, refunds, disputes, and any other financial matters.

Step 6: Important Considerations

1. Full Plan Requirement:

   • The ability to use your own Stripe keys is an exclusive feature of the Large Plan. If you're on a lower plan and wish to take advantage of this feature, consider upgrading to the Large Plan through your Shoppi dashboard under Settings > Subscription Plans.

2. Responsibility for Payments:

   • When you use your Stripe keys, you assume full responsibility for managing your payment operations. This includes security measures, fraud protection, and ensuring compliance with payment processing regulations.

3. Shoppi Marketplace Commission:

   • For sales made directly through the Shoppi Marketplace, Shoppi’s standard commission structure will still apply. However, for payments made outside the marketplace, you will only be responsible for Stripe’s transaction fees.

Conclusion

Using your own Stripe keys on the Large Plan offers significant benefits in terms of lower transaction fees and greater control over payment management. By integrating Stripe directly, you can save on Shoppi commissions for direct payments and fully manage your payment processes. This setup is ideal for businesses that process high transaction volumes and want more autonomy over their financial operations.

To get started, log in to your Shoppi Dashboard, navigate to Settings > Stripe, and enter your Stripe API keys to take control of your payments today!