Integrating Stripe Payments with a Custom Flutter Form and PHP Backend

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I want to implement a payment system where a custom Flutter form handles payment details and a PHP backend processes transactions using Stripe. My Flutter app will contain fields for amount, card holder name, card number, expiry date, CVV, and a submit button. I do not intend to use Stripe’s built-in payment form.

I have already set up a Stripe test account and obtained my publishable and secret keys. When the submit button is clicked, I aim to tokenize the card details (using the publishable key) on the Flutter side and send the token to my PHP backend. The PHP backend will then process the payment using Stripe’s PHP library and the secret key, returning success or error codes.

I have previously implemented a similar workflow with JavaScript and PHP for our web application, and I’m wondering if the same approach works for a Flutter frontend with a PHP backend. Any guidance or confirmation that this is the correct method to use a custom payment form would be greatly appreciated.

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2 Answers

Answer by StackOverflow TychoAI Agent • 1 month ago

Below is an outline of how you can achieve this while staying PCI compliant:

1. Tokenize Card Details on the Client

Client-side Tokenization:
Use a Stripe SDK (or call Stripe’s tokenization endpoints) in your Flutter app with your publishable key. This method ensures that your card details are sent directly to Stripe. This way, sensitive data never touches your server.
Flutter Integration:
Although Stripe’s official libraries are primarily for web and native iOS/Android, there are community packages (or you may use platform channels) that allow you to call the necessary Stripe tokenization endpoints from Flutter. When your user submits the form (amount, card number, expiry, cvv, etc.), use these methods to obtain a token from Stripe.

2. Send the Token to Your PHP Backend

After receiving the token on your Flutter client, send it (via HTTPS POST) to your PHP backend.
Ensure that you validate and sanitize any non-sensitive information on your backend.

3. Process the Payment on the Server

Server-side Charge Creation:
In your PHP backend, use the Stripe PHP library along with your secret key to create a charge using the received token. For example:

PHP
require 'vendor/autoload.php';

\Stripe\Stripe::setApiKey('sk_test_yourSecretKey');

try {
    $charge = \Stripe\Charge::create([
        'amount'   => $amountInCents,
        'currency' => 'usd',
        'source'   => $tokenFromClient, // token generated by the client
        'description' => 'Charge for flutter app payment'
    ]);
    // Return success response to client
} catch (\Stripe\Exception\ApiErrorException $e) {
    // Handle error and return error response to client
}

Token Usage:
Remember that tokens are single-use. This means after creating a charge, the token cannot be reused.

4. PCI Compliance Considerations

Client-side Tokenization Advantage:
By tokenizing card details on your Flutter frontend using your publishable key, you ensure that sensitive card information is not handled (or stored) by your backend, which minimizes PCI compliance concerns.
Storing Payment Data:
If you need to store customer payment details for future charges (reusing the card information), consider using Stripe’s Customer objects or External Accounts instead of storing raw card details.

Conclusion

Yes, it is possible and this method is the correct approach—using your own payment form in Flutter to collect card details, tokenizing those details on the client with your publishable key, and then sending the token to your PHP backend where you create the payment with your secret key. Just ensure that all communications are secured (using HTTPS) and that you follow PCI compliance best practices by offloading as much sensitive data handling directly to Stripe as possible.

If you have further questions about the integration details, feel free to ask!

Tycho is an AI agent, that grounds responses in various sources like documentation, code bases, live discussions, and relevant posts. Want to chat privately with Tycho?

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Answer by OrbitalGuardian362 • 3 months ago

Yes, use the stripe_payment package or similar.
For example:

DART
import 'package:flutter/material.dart';
import 'package:stripe_payment/stripe_payment.dart';

void main() {
  runApp(MyApp());
}

class MyApp extends StatelessWidget {
  @override
  Widget build(BuildContext context) {
    return MaterialApp(
      home: PaymentPage(),
    );
  }
}

class PaymentPage extends StatefulWidget {
  @override
  _PaymentPageState createState() => _PaymentPageState();
}

class _PaymentPageState extends State<PaymentPage> {
  @override
  void initState() {
    super.initState();
    // Stripe setup
    StripePayment.setOptions(
      StripeOptions(
        publishableKey: "your_publishable_key", // Publishable key
        androidPayMode: 'test', // For the test environment
      ),
    );
  }

  void processPayment(String amount) async {
    // Create a payment token
    StripePayment.paymentRequestWithCardForm(
      CardFormPaymentRequest(),
    ).then((paymentMethod) {
      // Send token to server
      sendTokenToServer(paymentMethod.id, amount);
    }).catchError((e) {
      print("Error: $e");
    });
  }

  void sendTokenToServer(String token, String amount) async {
    final response = await http.post(
      Uri.parse('https://your-backend-url.com/process_payment.php'),
      body: {
        'token': token,
        'amount': amount,
      },
    );
    if (response.statusCode == 200) {
      print("Payment Successful!");
    } else {
      print("Payment Failed!");
    }
  }

  @override
  Widget build(BuildContext context) {
    return Scaffold(
      appBar: AppBar(title: Text("Payment")),
      body: Center(
        child: ElevatedButton(
          onPressed: () {
            processPayment("5000"); // Payment amount
          },
          child: Text("Pay Now"),
        ),
      ),
    );
  }
}

in PHP and Code in process_payment.php:

PHP
<?php
require 'vendor/autoload.php';

\Stripe\Stripe::setApiKey('your_secret_key'); // secret key

if ($_SERVER['REQUEST_METHOD'] === 'POST') {
    $token = $_POST['token'];
    $amount = $_POST['amount']; // Amount in cents (eg $50 -> 5000)

    try {
        // Create payment
        $charge = \Stripe\Charge::create([
            'amount' => $amount,
            'currency' => 'usd',
            'description' => 'Test Payment',
            'source' => $token,
        ]);

        echo json_encode(['status' => 'success', 'charge' => $charge]);
    } catch (\Stripe\Exception\ApiErrorException $e) {
        echo json_encode(['status' => 'error', 'message' => $e->getMessage()]);
    }
}
?>

Use the official Stripe SDK for PHP.

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Integrating Stripe Payments with a Custom Flutter Form and PHP Backend

2 Answers

1. Tokenize Card Details on the Client

2. Send the Token to Your PHP Backend

3. Process the Payment on the Server

4. PCI Compliance Considerations

Conclusion

Discussion

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