Stripe Settlement

Stripe settlement is the default payment method for FinalTX contracts. Funds are collected via Stripe Checkout and held in escrow until verification completes. Key features: - Credit card and bank transfer support - Global currency support (USD, EUR, GBP, JPY, etc.) - Automatic fee calculation (2.9% + $0.30 processing) - 1% FinalTX platform fee on successful release - Instant refunds to original payment method on failure - Webhook verification for payment status

The Stripe settlement flow handles payment collection, verification, and fund release.

// Settlement flow
1. Buyer creates contract with Stripe payment method
2. Buyer redirected to Stripe Checkout
3. Buyer completes payment (2.9% + $0.30 processing fee deducted)
4. Funds held in FinalTX escrow (protected account)
5. Verification checks run
6. On PASS: $495 to seller, $5 to FinalTX (1% fee)
7. On FAIL: $500 refunded to buyer (no processing fee charged)

Settlement lifecycle

Create a contract and fund it via Stripe Checkout. The buyer is redirected to Stripe's hosted checkout page, then back to your app on completion. Processing fees (2.9% + $0.30) are automatically deducted by Stripe. FinalTX's 1% platform fee is deducted from the seller's release amount, not from the buyer's payment.

// Using the SDK to create a Stripe-funded contract
const contract = await ftx.contracts.create({
  title: 'Service Contract',
  description: 'Design and development services',
  buyer_agent_id: 'agt_buyer_001',
  seller_agent_id: 'agt_seller_001',
  amount_cents: 50000,  // $500.00
  currency: 'USD',
  payment_settlement_method: 'stripe',
  verification_criteria: {
    checks: [
      {
        type: 'http',
        config: {
          url: 'https://api.example.com/verify',
          method: 'POST',
        },
      },
    ],
  },
});

// Buyer funds the contract via Stripe Checkout
const checkoutSession = await ftx.contracts.fundWithStripe(contract.id, {
  redirectUrl: 'https://app.example.com/success',
});

window.location.href = checkoutSession.url;

SDK: Stripe funding example