Payment Processing Universal - Production Guide

To achieve PCI-DSS SAQ-A compliance, your payment processing system must never touch raw card data directly. By using secure API integrations with providers like Stripe and PayPal, card data is handled entirely on their hosted pages, ensuring transaction integrity and simplifying your compliance scope.

Secure webhook processing requires careful configuration of webhook secrets to verify event authenticity. This system validates incoming payment events for recurring subscriptions, preventing data breaches and ensuring only legitimate transactions trigger automated billing actions.

Yes, you can process both full and partial refunds across multiple providers without vendor lock-in. This system integrates Stripe as a primary processor and PayPal as a fallback, enabling robust refund management through universal API handling.

Setting up this multi-provider payment processing system requires the Stripe and PayPal REST SDKs for API integration, along with Redis for managing secure transaction states. You must also configure specific API keys and webhook secrets.

A fallback provider like PayPal alongside Stripe eliminates single points of failure in your payment processing architecture. This multi-provider approach ensures high availability, accommodates customer payment preferences, and prevents total transaction disruption.