stripe-setup（Stripe 设置）

Stripe Setup

Wire Stripe payments into any agent-built application. Covers the full stack: checkout → webhook → subscription management → customer portal.

What You Get

• One-time and recurring (subscription) checkout flows
• Webhook handler for all critical billing events
• Customer portal (manage billing, cancel, update card)
• Test-mode → live-mode migration checklist
• Ready-to-run scripts for Flask and FastAPI

Prerequisites

1. Stripe account — stripe.com (free, takes 5 min)
2. API keys — Dashboard → Developers → API Keys
3. Python SDK: pip install stripe python-dotenv

Environment Variables

STRIPE_SECRET_KEY=sk_test_...        # Secret key (never expose client-side)
STRIPE_PUBLISHABLE_KEY=pk_test_...   # Safe for frontend
STRIPE_WEBHOOK_SECRET=whsec_...      # From webhook endpoint setup (Step 3)
STRIPE_PRICE_ID=price_...            # Your subscription price ID

Add these to .env and load with python-dotenv.

Step 1 — Create a Product + Price

In the Stripe Dashboard:

1. Go to Products → Add product
2. Name it (e.g., "MyApp Pro")
3. Set pricing: choose Recurring (monthly/annual) or One time
4. Copy the Price ID → save as STRIPE_PRICE_ID

Or via API:

import stripe, os
stripe.api_key = os.getenv("STRIPE_SECRET_KEY")

product = stripe.Product.create(name="MyApp Pro")
price = stripe.Price.create(
    product=product.id,
    unit_amount=1000,         # $10.00 in cents — replace with your price
    currency="usd",
    recurring={"interval": "month"},
)
print(price.id)  # → save as STRIPE_PRICE_ID

Step 2 — Checkout Session (Subscription)

import stripe, os
stripe.api_key = os.getenv("STRIPE_SECRET_KEY")

def create_checkout_session(customer_email: str, success_url: str, cancel_url: str) -> str:
    """Create a Stripe Checkout session. Returns the redirect URL."""
    session = stripe.checkout.Session.create(
        payment_method_types=["card"],
        mode="subscription",
        line_items=[{"price": os.getenv("STRIPE_PRICE_ID"), "quantity": 1}],
        customer_email=customer_email,
        success_url=success_url + "?session_id={CHECKOUT_SESSION_ID}",
        cancel_url=cancel_url,
        allow_promotion_codes=True,
    )
    return session.url

Flask route

from flask import Flask, redirect, request
app = Flask(__name__)

@app.route("/subscribe")
def subscribe():
    url = create_checkout_session(
        customer_email=request.args.get("email", ""),
        success_url="https://yourapp.com/success",
        cancel_url="https://yourapp.com/pricing",
    )
    return redirect(url)

One-time payment variant

session = stripe.checkout.Session.create(
    mode="payment",              # ← change from "subscription"
    line_items=[{"price": PRICE_ID, "quantity": 1}],
    ...
)

Step 3 — Webhook Handler

Webhooks tell your app when payments succeed, fail, or subscriptions change. This is required — don't skip it.

Register the endpoint

1. Dashboard → Developers → Webhooks → Add endpoint
2. URL: https://yourapp.com/webhook/stripe
3. Events to listen for:

- checkout.session.completed - customer.subscription.created - customer.subscription.updated - customer.subscription.deleted - invoice.payment_failed

1. Copy the Signing secret → save as STRIPE_WEBHOOK_SECRET

Flask webhook handler

import stripe
from flask import Flask, request, jsonify

app = Flask(__name__)
stripe.api_key = os.getenv("STRIPE_SECRET_KEY")
WEBHOOK_SECRET = os.getenv("STRIPE_WEBHOOK_SECRET")

@app.route("/webhook/stripe", methods=["POST"])
def stripe_webhook():
    payload = request.data
    sig_header = request.headers.get("Stripe-Signature")

    try:
        event = stripe.Webhook.construct_event(payload, sig_header, WEBHOOK_SECRET)
    except stripe.error.SignatureVerificationError:
        return jsonify({"error": "Invalid signature"}), 400

    event_type = event["type"]
    data = event["data"]["object"]

    if event_type == "checkout.session.completed":
        handle_checkout_complete(data)
    elif event_type == "customer.subscription.deleted":
        handle_subscription_cancelled(data)
    elif event_type == "invoice.payment_failed":
        handle_payment_failed(data)

    return jsonify({"status": "ok"}), 200


# Idempotency: Stripe retries failed webhook deliveries. Without this, one payment
# can trigger duplicate fulfillment. Store processed event IDs to prevent double-firing.
#
# Simple implementation (use Redis or DB in production):
PROCESSED_EVENTS = set()
def is_duplicate_event(event_id: str) -> bool:
    if event_id in PROCESSED_EVENTS:
        return True
    PROCESSED_EVENTS.add(event_id)
    return False
#
# Then in stripe_webhook(), after construct_event():
# if is_duplicate_event(event["id"]):
#     return jsonify({"status": "duplicate"}), 200


def handle_checkout_complete(session):
    customer_email = session.get("customer_email")
    subscription_id = session.get("subscription")
    # REQUIRED: activate user in your DB here. Do not skip this step.
    # The payment is complete — if you do not provision access now, the user
    # paid but got nothing. This is not optional.
    # Example: db.users.update(email=customer_email, fields={active: True, stripe_sub_id: subscription_id})
    print(f"New subscriber: {customer_email}, sub: {subscription_id}")


def handle_subscription_cancelled(subscription):
    customer_id = subscription.get("customer")
    # REQUIRED: revoke user access in your DB here. Do not skip this step.
    # Example: db.users.update(customer_id=customer_id, fields={active: False})
    print(f"Subscription cancelled: customer {customer_id}")


def handle_payment_failed(invoice):
    customer_id = invoice.get("customer")
    # REQUIRED: notify user and pause or revoke access depending on your grace period policy.
    # Example: send_dunning_email(customer_id) and set user status to past_due
    print(f"Payment failed: customer {customer_id}")

Testing webhooks locally

# Install Stripe CLI (Linux/VPS)
curl -s https://packages.stripe.dev/api/security/keypair/stripe-cli-gpg/public | gpg --dearmor | sudo tee /usr/share/keyrings/stripe.gpg
echo "deb [signed-by=/usr/share/keyrings/stripe.gpg] https://packages.stripe.dev/stripe-cli-debian-local stable main" | sudo tee /etc/apt/sources.list.d/stripe.list
sudo apt update && sudo apt install stripe

# Login
stripe login

# Forward to your local server
stripe listen --forward-to localhost:5000/webhook/stripe

Step 4 — Customer Portal (Self-Service Billing)

Let users manage their own subscription (cancel, update card, view invoices).

def create_portal_session(stripe_customer_id: str, return_url: str) -> str:
    """Create a Stripe billing portal session."""
    session = stripe.billing_portal.Session.create(
        customer=stripe_customer_id,
        return_url=return_url,
    )
    return session.url

@app.route("/billing")
@login_required
def billing_portal():
    customer_id = current_user.stripe_customer_id
    url = create_portal_session(customer_id, return_url="https://yourapp.com/dashboard")
    return redirect(url)

Enable the portal: Dashboard → Settings → Billing → Customer portal → Toggle on.

Step 5 — Verify a Subscription is Active

def get_subscription_access(stripe_customer_id: str) -> dict:
    subs = stripe.Subscription.list(customer=stripe_customer_id, limit=1)
    if not subs.data:
        return {"access": False, "reason": "no_subscription"}
    status = subs.data[0].status
    access_map = {
        "active":    {"access": True,  "reason": "active"},
        "trialing":  {"access": True,  "reason": "in_trial"},
        "past_due":  {"access": True,  "reason": "past_due_grace"},
        "incomplete": {"access": False, "reason": "incomplete_payment"},
        "canceled":  {"access": False, "reason": "canceled"},
        "unpaid":    {"access": False, "reason": "unpaid"},
    }
    return access_map.get(status, {"access": False, "reason": f"unknown_status:{status}"})

Use this to gate features behind a paid plan check.

Step 6 — Go Live Checklist

Before switching from test keys (sk_test_...) to live keys (sk_live_...):

• [ ] All webhook events handled (especially payment_failed)
• [ ] Webhook signature verification is enabled (not bypassed)
• [ ] Success/cancel URLs are production URLs (not localhost)
• [ ] Test a full checkout → subscription → cancellation flow in test mode
• [ ] Re-register webhook endpoint with live URL in Stripe Dashboard
• [ ] Update .env: replace sk_test_ → sk_live_, pk_test_ → pk_live_
• [ ] New STRIPE_WEBHOOK_SECRET from the live endpoint (different from test)
• [ ] Stripe account fully activated (bank account + identity verified)
• [ ] Success page validates session_id via Stripe API — do not trust the URL parameter alone. Example: stripe.checkout.Session.retrieve(session_id) and confirm payment_status == paid

⚠️ Live keys and test keys have different webhook secrets. Update both.

Common Errors

References

• Stripe Python SDK docs
• Checkout Session API
• Webhook events reference
• Stripe CLI
• Customer Portal