Setting Up Payment Gateways (Stripe, PayPal, Crypto)

Payment Gateway Configuration

IPTVbp supports multiple payment methods to maximize your conversion rate. This guide covers setting up Stripe, PayPal, and cryptocurrency payments.

Supported Payment Gateways

Stripe (Recommended)

• ✅ Credit/Debit Cards (Visa, Mastercard, Amex)
• ✅ Digital Wallets (Google Pay, Apple Pay)
• ✅ Bank Transfers (ACH, SEPA)
• ✅ Local Payment Methods (iDEAL, Klarna, etc.)
• ✅ Automatic recurring billing
• ✅ Strong fraud protection

PayPal

• ✅ PayPal Balance
• ✅ Credit/Debit Cards through PayPal
• ✅ Bank Accounts
• ✅ PayPal Credit
• ✅ Recurring subscriptions

Cryptocurrency (NOWPayments)

• ✅ Bitcoin (BTC)
• ✅ Ethereum (ETH)
• ✅ Tether (USDT)
• ✅ 200+ cryptocurrencies
• ✅ Low fees, instant confirmation

Setting Up Stripe

Step 1: Create Stripe Account

1. Go to stripe.com and sign up
2. Complete business verification:
   • Business details
   • Bank account information
   • Tax information
   • Identity verification
3. Activate your account

Step 2: Get API Keys

1. In Stripe Dashboard, go to Developers → API keys
2. You'll see two sets of keys:
   • Test keys: For testing (pk_test_... and sk_test_...)
   • Live keys: For real transactions (pk_live_... and sk_live_...)
3. Copy both Publishable and Secret keys

Step 3: Configure Webhooks

1. Go to Developers → Webhooks
2. Click Add endpoint
3. Enter URL: https://yourstore.com/api/webhooks/stripe
4. Select events to listen for:
   • ✅ payment_intent.succeeded
   • ✅ payment_intent.payment_failed
   • ✅ customer.subscription.created
   • ✅ customer.subscription.updated
   • ✅ customer.subscription.deleted
   • ✅ invoice.payment_succeeded
   • ✅ invoice.payment_failed
5. Copy the Webhook signing secret

Step 4: Add Stripe to IPTVbp

1. In IPTVbp, go to Settings → Payment Gateways
2. Find Stripe section
3. Enter your API keys:
   • Publishable Key: pk_test_... (test) or pk_live_... (live)
   • Secret Key: sk_test_... (test) or sk_live_... (live)
   • Webhook Secret: whsec_...
4. Toggle Test Mode on for testing
5. Click Save

Step 5: Test Stripe Integration

1. Go to your store and add a product to cart
2. Proceed to checkout
3. Use Stripe test cards:
   • Success: 4242 4242 4242 4242
   • Decline: 4000 0000 0000 0002
   • 3D Secure: 4000 0025 0000 3155
4. Expiry: Any future date (e.g., 12/25)
5. CVC: Any 3 digits (e.g., 123)
6. Complete payment and verify subscription is created

Setting Up PayPal

Step 1: Create PayPal Business Account

1. Go to PayPal Business
2. Sign up for business account
3. Complete verification process
4. Link bank account

Step 2: Get API Credentials

1. Log into PayPal Dashboard
2. Go to Account Settings → Account access
3. Under API access, click Update
4. Choose NVP/SOAP API integration
5. Click Manage API credentials
6. Copy:
   • API Username
   • API Password
   • Signature

Step 3: Configure in IPTVbp

1. Go to Settings → Payment Gateways
2. Find PayPal section
3. Enter credentials
4. Set mode: Sandbox (test) or Live (production)
5. Configure webhook URL
6. Save settings

Setting Up Cryptocurrency (NOWPayments)

Step 1: Create NOWPayments Account

1. Go to NOWPayments.io
2. Sign up and verify email
3. Complete KYC verification (for amounts over $500/month)
4. Add crypto wallet addresses for payouts

Step 2: Get API Key

1. In NOWPayments dashboard, go to Settings → API
2. Click Generate new key
3. Copy the API key
4. Set up IPN (Instant Payment Notification):
   • IPN Callback URL: https://yourstore.com/api/webhooks/nowpayments
   • Copy IPN Secret key

Step 3: Configure in IPTVbp

1. Go to Settings → Payment Gateways
2. Find NOWPayments section
3. Enter:
   • API Key
   • IPN Secret
4. Select accepted cryptocurrencies (BTC, ETH, USDT recommended)
5. Set price currency (USD, EUR, etc.)
6. Save settings

Going Live Checklist

Before accepting real payments:

Stripe

• ✅ Complete Stripe account verification
• ✅ Switch from test keys to live keys
• ✅ Update webhook endpoint to production URL
• ✅ Test with real card (small amount)
• ✅ Verify subscription is created
• ✅ Check email notifications work

PayPal

• ✅ Switch from Sandbox to Live mode
• ✅ Update API credentials to live keys
• ✅ Test with real PayPal account
• ✅ Verify IPN webhooks work

NOWPayments

• ✅ Complete KYC if required
• ✅ Add payout wallet addresses
• ✅ Test with small crypto payment
• ✅ Verify payment confirmation works
• ✅ Check auto-conversion settings

Payment Gateway Recommendations

For Maximum Conversion

Enable all three payment methods:

• Stripe: For credit card users (majority of customers)
• PayPal: For customers who prefer PayPal
• Crypto: For privacy-conscious customers

For Privacy-Focused Customers

Prioritize cryptocurrency:

• Lower fees (1-2% vs 3-5% for cards)
• No chargebacks
• Anonymous payments
• Instant settlement

For Recurring Subscriptions

Stripe is best for recurring billing:

• Automatic retries on failed payments
• Smart retry logic
• Dunning management
• Customer portal for card updates

Common Issues & Solutions

Stripe - Payment Declined

Causes:

• Insufficient funds
• Card expired
• Bank blocked transaction
• 3D Secure failed

Solutions:

• Ask customer to contact their bank
• Try different card
• Enable 3D Secure authentication
• Check Stripe fraud rules

PayPal - Payment Pending

Causes:

• eCheck payment (takes 3-5 days)
• PayPal holding funds for verification
• Suspicious transaction flagged

Solutions:

• Wait for payment to clear
• Contact PayPal support
• Ask customer to use instant payment method

Crypto - Payment Not Confirmed

Causes:

• Underpayment (fees too low)
• Network congestion
• Wrong amount sent

Solutions:

• Check blockchain explorer
• Wait for confirmations (varies by currency)
• Contact NOWPayments support
• Refund and request correct payment

Fee Comparison

Payment Method	Processing Fee	Payout Time
Stripe	2.9% + $0.30	2-7 days
PayPal	3.49% + $0.49	1-3 days
Crypto (NOWPayments)	1-2%	Instant

Security Best Practices

• ✅ Never share API secret keys
• ✅ Use environment variables for keys (not hardcoded)
• ✅ Enable webhook signature verification
• ✅ Use HTTPS for all payment pages
• ✅ Regular security audits
• ✅ Monitor for suspicious transactions
• ✅ Enable fraud detection in Stripe
• ✅ Keep payment gateways updated

Next Steps

• Create Your First Product
• Set Up Discount Codes
• Configure Email Notifications
• Handle Refunds & Chargebacks