How to implement a payment gateway

Overview

The payment gateway allows your customers to make secure payments directly from the app, enabling them to complete purchases for products or services seamlessly.

STAY supports two payment gateway integrations:

• Stripe, one of the most widely used and trusted payment gateways globally.
• Adyen, a powerful enterprise-grade platform used by leading hospitality brands.

This article explains how to set up each option and what information is required.

Before getting started

Before integrating any payment gateway with STAY, make sure you:

• Have administrator access to your Stripe or Adyen account.
• Have a designated contact who will complete the technical setup in your company or group.

Option 1: Stripe integration

STAY offers a direct integration with Stripe using Stripe Connect. This setup is quick and ideal for most properties.

Step-by-step guide

Step 1: Open the Stripe registration link

1. Click the personalized registration link provided by STAY.
2. Enter your email address and phone number, then click Continue.
3. Enter the 6-digit verification code sent to your phone via SMS.

Step 2: Enter business information

1. Select your country and business type.
   • Choose the country where your business operates.
   • Specify your business type and structure.
2. Fill out your legal name, Tax ID, business address, and website. 

Step 3: Verify business representative

Provide the full name, date of birth, and address of the representative.

Indicate whether they are a business owner (25% or more) or a board member.

Step 4: Add bank account details

Enter the bank account details to receive payouts from Stripe.

Step 5: Review and confirm

Please look over all details carefully and click Confirm to complete registration.

Stripe conditions

• Pricing: See Stripe Connect Standard pricing.
• Payouts: Stripe transfers funds automatically every 7 days.

 

Option 2: Adyen integration

STAY also supports integration with Adyen for enterprise clients. Adyen provides advanced capabilities and supports a wide range of payment methods, including Apple Pay and Google Pay.

Step-by-step guide

Step 1: Create a merchant account

For each hotel, create a dedicated merchant account in Adyen, preferably including “STAY” in the name for easy identification. The account must be in live status.

Step 2: Generate API credentials

1. Go to Developers > API credentials in the Adyen dashboard.
   
   

2. Click Create new credential.

3. Choose Web service user as credential type and click Create credential.
   
   

4. Generate an API Key (it will only be shown once — store it securely).
   
   

5. Set up the relevant payment methods.
   
   

6. Add the following domains as allowed origins:

   https://.stay-app.com
   https://.stay-app.systems
   https://pwa.staging03.stay-app.systems
   
   
   

7. Get the Client Key: In the Authentication section of your API credentials, you’ll find the Client Key. Copy and save it along with the API Key, as both will need to be shared with the STAY team.
   
   

8. Assign the relevant permissions of the account.

   

   

Step 3: Create and configure a webhook

1. Go to Developers > Webhooks > Create new webhook.
   
   
2. Type: Standard
   
   
3. Suggested name: Webhook for STAY
4. Select the corresponding merchant account(s).
   
   
5. In Server Configuration, set this URL: https://cluster.stay-app.com/stay-api/payments/adyen/hook
   
   
6. In Security:
   • Set a username and password (to be shared via a secure channel like onetimesecret . Request it to STAY if not received).
   • Generate a HMAC Key and save it securely. You will need to share it with the STAY team later on.
     
     

Step 4: Get the live endpoint prefix

A live endpoint prefix is a unique identifier assigned by Adyen to your company account in the live (production) environment. It is used to build the API endpoint URLs and ensures that all transactions are routed correctly through Adyen’s infrastructure.

1. Go to Developers > API URLs in your live Adyen account.
   
   
2. Locate the Live Endpoint Prefix under the Prefix section.
3. Keep this information stored securely, as you will need to provide it later in the integration process.

Step 5: Share credentials securely with STAY

Once your Adyen setup is complete, securely send the following credentials to STAY (preferably via onetimesecret):

• API_KEY
• CLIENT_KEY
• HMAC_KEY
• Merchant Account name
• Live Endpoint Prefix (for your hotel’s region)

Step 6: Enable Apple Pay and Google Pay (optional)

Apple Pay

To display the Apple Pay button in the Adyen payment screen (where customers can enter their card details), follow these steps:

1. Ensure Apple Pay is enabled as a payment method in your Adyen account.
2. A valid Apple Pay certificate must be configured. You can choose from:
   • Adyen’s default certificate (official documentation)
   • Your own custom certificate (official documentation)

Google Pay

Google Pay does not require a certificate, but you must follow the steps outlined in Adyen’s official documentation to enable and configure it properly.

Step 7: Customize the appearance of payment links

To offer a consistent and branded customer experience when using Pay by Link, you should configure the design associated with the merchant account used for STAY.

1. Go to Pay by Link > Themes in the Adyen dashboard.
2. Create a new theme or edit an existing one.
3. Customize the following elements:
   • Logo
   • Colors
   • Typography
   • Payment button

Click Save to apply changes.

Step 8: Add a Terms and Conditions URL

To prevent an “undefined” message from appearing on the payment screen, you must set a valid Terms and Conditions URL.

1. In the Adyen dashboard, go to Pay by Link > Settings.
2. In the Terms and Conditions URL field, enter a link pointing to the legal terms page of the hotel or STAY.
3. Click Save.

Next steps

Once you’ve completed the setup with Stripe or Adyen:

• STAY will enable and test the payment functionality.
• Perform test transactions to confirm everything is working correctly.
• Start accepting real payments through the guest app (check out the Payments section of the PRO settings).

Need further assistance?

If you have additional questions or require further assistance:

• Contact us via live chat
• Send a ticket to our Support team
• Visit STAY Academy, our training platform.