Stripe FAQs: Ultimate Guide for Ecommerce Stores

Tricks & Tips
September 11, 2023

Stripe is a must-have online payment method for e-commerce stores. This blog has collected common questions about getting stared, Stripe Payments, Stripe Payouts and Stripe Radar. Whether you're looking to create a Stripe account, handle refunds, or have inquiries about fees and security, this guide provides comprehensive coverage. 

Introduction to Stripe

What is Stripe?

Stripe is a simple and powerful online payment solution that has no setup fees, no monthly fees, and no hidden costs. Millions of businesses, ranging from startups to Fortune 500 companies, rely on Stripe's software tools to securely accept payments and expand globally. Stripe is available to businesses in 36 countries. With Stripe, you can accept all major debit and credit cards from customers in over 190 countries and 135+ currencies. Learn more at 

Is Stripe secure? 

Stripe is highly secure and prioritises the protection of customer data. As a PCI Level 1 Service Provider, it adheres to the highest security standards in the industry. Stripe employs encryption protocols, invests in fraud prevention measures, and undergoes regular security audits to ensure the safety of payment data. By using Stripe, you can leverage their secure infrastructure, reducing your own PCI compliance obligations. Rest assured that Stripe is committed to maintaining a secure environment for processing online payments.

Why should I use Stripe instead of other gateways?

Stripe is a complete solution that combines the functionality of a merchant account and a gateway in one, which means you only need Stripe to accept payments and deposit funds into a bank account. You cannot use existing merchant accounts or gateways with Stripe, as it functions as both already.

Getting Started

How do I sign up for Stripe?

Please follow the instructions found on Stripe support page.

What information and documents do I need to sign up for Stripe?

To sign up for a Stripe account, you will need to provide an email address and password. To activate your account, Stripe requires details about your business, including your business website, as well as information about you. Common follow-up requirements may include submitting photo identification documents and verifying your address. For a complete list of requirements, please refer to Stripe's "Required verification information" section.

Why was my account rejected?

Stripe operates under certain restrictions and guidelines outlined in their Services Agreement. If your account was rejected, it is likely due to factors that are outlined in the agreement or fall under the category of businesses that are not allowed to use Stripe's services. To get a more accurate understanding of why your account was rejected, it is recommended to review the Services Agreement Australia or reach out to Stripe's support for further assistance.

Stripe Payments

What payment methods are supported?

There are seven major payment method families and specific considerations provided by Stripe based on your business model: ecommerce and marketplaces, on-demand services, SaaS and subscription businesses, or professional services. 

Stripe supports payment methods covering from Cards, Wallets, Bank debits, “Buy now, pay later” ect. To learn about payment types, read Stripe’s Guide to Payment Methods.

Stripe pricing in Australia?

Stripe charges processing fee for each successful charge. For Australia, you will be charged 1.75% + A$0.30 for domestic credit cards and 3.5% + A$0.30 for international cards. There will be 2% charge if currency conversion is required. 

To learn more about pricing of other payment methods, see Stripe’s pricing guide.

What countries and currencies are supported?

With Stripe, you can accept payments from over 195 countries and over 135 currencies. You can find a list of which countries are supported by your platform's integration with Stripe here.

How do I issue a refund?

Stripe offers you the ability to refund a customer charge, be it in full or a partial amount of the original charge. Learn how to issue a refund from your Stripe Dashboard, trace a refund, refund processing time and other information at Stripe’s refunds support page.

Stripe Payouts

How long does it take to get paid?

The payout speed varies per country and is typically expressed as T+X days. Stripe now offers accelerated payout speeds for users. After meeting certain criteria based on risk and history with Stripe, the payout speed in Australia are with 2 business days.

To learn more about Stripe Payouts, see this page.

Why is my payout delayed?

If a payout hasn’t arrived according to its expected delivery date, there can be several reasons as to why. Please check both your dashboard or email to see if there’s requested additional information from you to complete this process.

Some common verification requirements include:

To learn more about payout delays, see Delayed or missing payouts .

What is daily, automatic, and manual payouts?

Stripe offers a number of different payout schedule options. You can choose to automatically have funds paid out daily, weekly, or monthly. You can also set a custom payout schedule by setting your payout schedule to Manual and building a custom schedule in your Stripe integration backend.

If you turn off automatic payouts in the Dashboard, you must manually send funds to your bank account. You can do this either in the Payouts section of the Dashboard or by creating payouts using the API.

Automatic and manual payout settings does not mean your payouts will arrive the next day. Your payouts will arrive according to your payout schedule.

Stripe Radar

What is Stripe Radar?

Stripe Radar is a fraud protection tool by Stripe that defends your business against fraudulent activity. It offers real-time detection and requires no extra development time. 

Stripe Radar help you manage fraud by viewing risk evaluation results and handling disputes, analyse Radar metrics to understand fraud patterns, customise protection by adjusting risk scores, creating trusted customer lists, and modifying rules and conduct manual reviews for suspicious payments. Learn more about how Radar helps you prevent fraud here.

When to use Radar?

Radar evaluates risk and runs rules for three different types of Stripe API objects: Charges, PaymentIntents and SetupIntents. Stripe designed the Radar rules to take four different actions: request 3DS authentication; allow the creation of the object; block the creation of the object; review the creation of a Charge. You can enable Radar for SetupIntents in your Radar settings.

Setting up Stripe in SHOPLINE

To set up Stripe in your store:

Step 1: From your SHOPLINE admin, go to Settings > Payments.

Step 2: Under Third-party service provider, select Stripe, then click Select.


Step 3: You will be redirected to Stripe to set up page to login to your Stripe account. Follow the instructions on the Stripe site to complete the setup. After that, you will be taken back to your SHOPLINE admin.


Once finished, your Stripe account will be connected to your SHOPLINE store. Customers will see the Credit or debit card field and will be able to pay with their card to you. For more information, please refer to the comprehensive guide on how to set it up.

Warpping up

Stripe is a great tool for businesses to accept payments securely and efficiently. Enable Stripe in your SHOPLINE store and see your online business thrive!

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