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Stripe Payments

This article explains how to connect your own Stripe account to Credyt for testing and production payments, configure checkout branding, and (optionally) set up tax rules.

Overview​

Credit partners with Stripe to process customer payments for wallet top-ups and automated balance refills. Using Stripe via Credyt allows your platform to manage payments securely, provide receipts, and ensure that wallet balances are updated accurately without additional development effort.

During early testing, all payments are handled through Credyt’s shared test Stripe account, so you can start integrating without needing to set up your own account.

As you approach go-live, we recommend connecting your own test Stripe account. This ensures that your integration behaves exactly as it will in production, allowing you to test branding, tax calculations, and refunds in a realistic environment.

  • Stripe is used to process all top-ups and auto-refills for your customers’ wallets.
  • Initial sandbox testing runs through Credyt’s shared test account, so no setup is required to start integration.
  • Connecting your own test Stripe account allows you to validate your integration before going live.
  • Both test and live Stripe environments are supported, and you can connect to each separately to maintain isolation between testing and production.

Connect Your Own Stripe Account​

When you’re ready to move closer to production, connecting your own Stripe account allows you to test payments and branding under conditions that closely match your live environment. While initial sandbox testing uses Credyt’s shared test account, using your own account ensures your integration behaves exactly as it will in production.

  • Connecting your own Stripe account lets you test refunds, branding, and tax workflows in a realistic environment.

Connecting your Stripe account is straightforward: Credyt generates an onboarding link from your Platform Dashboard. You click the link and complete Stripe’s connection flow. In test mode, no KYC or real bank account details are required; fast-click through the test onboarding flow to complete the set-up.

Once connected, your Stripe account will handle all top-ups and auto-refills initiated through Credyt. This gives you full visibility into payment activity, including transaction metadata, while Credyt automatically synchronises wallet balances without additional engineering effort.

  • Click the onboarding link in your Platform Dashboard to connect your Stripe account.
  • In test mode, no KYC or payout setup is required, so you can quickly validate payments, branding, and tax configurations.
  • You’ll see all payments and related metadata (customer IDs, topup references, and amounts) directly in your Stripe Dashboard.
  • After a successful connection, your Stripe account will appear as “connected” in your Platform Dashboard.

Note:

You can safely skip this step for early sandbox testing, but connecting your own account before production is strongly recommended.

Handling Refunds and Disputes​

All refund and dispute operations are managed directly in Stripe.

When a customer requests a refund, you need to initiate it from your Stripe Dashboard. Keep in mind that refunded amounts are not automatically updated in the Credyt wallet balance. To ensure accuracy, your platform must also send Credyt an Adjustment request to deduct the amount refunded from the wallet.

Issue a refund​

  1. Log in to your Stripe Dashboard.
  2. Use the global search bar to locate the customer or payment. You can search using:
    • Email address
    • Credyt customer ID
    • External (platform) customer ID, if implemented
  3. Open the payment you want to refund.
  4. Use the Actions menu to issue either a full or partial refund.

After the refund is processed in Stripe, your platform must submit an Adjustment request to Credyt to deduct the refunded amount from the customer’s wallet.

Disputes​

Disputes (chargebacks) are also managed in Stripe. Credyt does not automatically reverse or resolve disputed payments. Your platform should monitor disputes directly in Stripe and follow their resolution workflow. Once the dispute outcome is known, you can adjust the corresponding wallet balance in Credyt if funds need to be credited or debited.

Learn more about handling disputes in Stripe

Configure and Test Tax (Optional)​

If your products require tax calculation, Stripe Tax can help you automatically determine and collect the right amount of tax for each top-up or payment. This configuration happens entirely in your connected Stripe account, and most of the required business information (such as company name, address, and registration details) is already available from the onboarding process.

To enable and test tax handling:

  • Enable Stripe Tax from your connected Stripe Dashboard — setup is straightforward since most required data points are pre-filled from onboarding.
  • Make sure your business address and product codes are correct, as these determine the applicable tax regions and rates.
  • Trigger a test top-up session with tax enabled to verify that Stripe correctly calculates and displays tax amounts in both Checkout and the Tax module in your Stripe Dashboard.
  • Optionally, explore value-added services available through Stripe’s partner ecosystem, such as automated filing and tax reporting — these may require additional setup or subscription.

At this stage, tax configuration and testing are handled directly in Stripe; no API changes are needed in Credyt.

For detailed setup guidance, see Stripe’s Tax documentation.

Going Live with Stripe​

Once you’re ready to move from testing to production, you’ll need to connect your live Stripe account. This ensures that top-ups and automated balance refills in your production environment are fully operational and compliant.

To go live:

  • Start from your production Credyt account. Initiate the Stripe onboarding directly from your production Credyt Platform Dashboard, just as you did in test mode. During this step, you can either create a new Stripe account or link an existing one to Credyt. If you choose to link an existing Stripe account, your existing credentials and business profile information will remain intact (and can be edited during onboarding if needed). Payment activities and settings associated with Credyt will, however, remain segregated - managed under the Credyt connected account within your Stripe Dashboard, separate from your original Stripe setup.
  • Complete Stripe’s onboarding and KYC process. Stripe will guide you through its standard verification steps. Credyt pre-fills certain data points for convenience (such as business name, support email, and website), but you can edit these details in Stripe’s onboarding form if needed. If you connect an existing Stripe account that’s already verified, the KYC process is typically faster, as Stripe will reuse much of your existing information.
  • Wait for Stripe’s review and approval. After submitting all requested details, Stripe will review your account. In some cases, they may require additional verification (for example, a full SSN in the U.S. or proof of identity). This review can take a few days, and the account won’t be able to accept payments until it’s approved. We recommend starting this process at least two weeks before your anticipated launch date to avoid delays.
  • Confirm the connection. Once Stripe has approved the account and enabled payments, the Stripe section in your Credyt Platform Dashboard will display the status Connected — indicating that you’re ready to process live payments.

Troubleshooting​

Even with a smooth setup, you may occasionally run into issues during onboarding or payments. Below are the most common cases and how to resolve them.

If your Stripe onboarding link no longer works (for example, if too much time has passed or you closed the tab before completing it):

  • Return to your Credyt Platform Dashboard and generate a new onboarding link.
  • Use the new link to pick up the process where you left off.

Stripe account shows as “Pending” in Credyt​

This means Stripe is still reviewing your details or awaiting verification documents.

  • Log in to your Stripe Dashboard and check for any required actions or document uploads.
  • Once you complete these steps, your status in Credyt will automatically update to Connected once Stripe approves the account.

Payments fail during testing or production​

If a test or live payment fails:

  • Confirm that your Stripe account is fully connected in Credyt (status: Connected).
  • Check the Stripe Dashboard → Payments tab for error codes or messages. Stripe provides detailed failure reasons such as insufficient funds, card declines, or incomplete setup.
  • Ensure that webhooks are enabled in your connected account - Credyt uses them to update wallet balances after successful payments.

Refunds not reflected in Credyt balance​

Credyt does not automatically update wallet balances when a refund is processed in Stripe.

  • To adjust the wallet, your platform must send an Adjustment request to Credyt’s API after issuing the refund in Stripe.
  • This ensures the balance in Credyt accurately reflects the refunded amount.

Tax or branding changes not visible in Checkout​

If tax amounts or branding updates aren’t appearing as expected:

  • Confirm you’re editing settings in the same Stripe account connected to your current Credyt environment (test vs production).
  • For tax issues, verify that Stripe Tax is enabled and correctly configured (see Stripe Tax documentation). The most common issues revolve around the configuration of product tax codes and applicable jurisdictions (states or countries).
  • Branding changes under Settings → Business → Branding apply immediately in real time, but you may need to refresh or reopen your Checkout session to see updates.