---
title: "Stripe Payments"
---

### Introduction

Mercur uses <a href="https://stripe.com">Stripe</a> as the default payment and payout provider. The integration enables secure payment processing, automatic payouts to sellers, and commission handling for marketplace transactions.

### Setup

To use Stripe with Mercur, you'll need to:

1. Create a Stripe account at <a href="https://stripe.com">stripe.com</a>
2. Enable Stripe Connect in your Stripe Dashboard
3. Obtain your API keys from the Stripe Dashboard
4. Add the following environment variables to your `.env` file:

```
STRIPE_SECRET_KEY=your_secret_key_here
STRIPE_WEBHOOK_SECRET=your_webhook_secret_here
```

### Stripe Connect Configuration

**Enable Stripe Connect**:

- Go to your Stripe Dashboard
- Navigate to Settings > Connect settings
- Enable Connect and configure your account settings
- Set up your Connect branding and terms of service

### Seller Onboarding

Sellers need to complete the Stripe Connect onboarding process to receive payouts:

1. **Create Payout Account**:

   - Sellers create a payout account through the vendor panel
   - System generates a Stripe Connect onboarding link
   - Sellers complete the onboarding process

2. **Onboarding Flow**:
   ```mermaid
   graph TD
       A[Seller Creates Account] --> B[Stripe Onboarding]
       B --> C[Provide Business Details]
       C --> D[Add Bank Account]
       D --> E[Complete Verification]
       E --> F[Account Active]
   ```

### Commission Setup

Configure commission rates in the admin panel. Marketplace commission is deducted from payout amount.

1. **Commission Types**:

   - Percentage-based: Set a percentage of the order total
   - Flat rate: Set a fixed amount per order

2. **Commission Rules**:
   - Set different rates for different product types
   - Configure rates per seller
   - Set category-specific rates
   - Define global default rates

### Testing

**Test Cards**:

```
Success: 4242 4242 4242 4242
Decline: 4000 0000 0000 0002
```

### Additional Resources

- [Stripe Documentation](https://stripe.com/docs)
- [Stripe Connect Guide](https://stripe.com/docs/connect)
- [Stripe API Reference](https://stripe.com/docs/api)