Files
calvana/pledge-now-pay-later/package.json
Omair Saleh 3b46222118 Stripe integration: charity connects their own Stripe account
Model: PNPL never touches the money. Each charity connects their own
Stripe account by pasting their API key in Settings. When a donor
chooses card payment, they're redirected to Stripe Checkout. The money
lands in the charity's Stripe balance.

## Schema
- Organization.stripeSecretKey (new column)
- Organization.stripeWebhookSecret (new column)

## New/rewritten files
- src/lib/stripe.ts — getStripeForOrg(secretKey), per-org client
- src/app/api/stripe/checkout/route.ts — uses org's key, not env var
- src/app/api/stripe/webhook/route.ts — tries all org webhook secrets
- src/app/p/[token]/steps/card-payment-step.tsx — redirect to Stripe
  Checkout (no fake card form — Stripe handles PCI)

## Settings page
- New 'Card payments' section between Bank and Charity
- Instructions: how to get your Stripe API key
- Webhook setup in collapsed <details> (optional, for auto-confirm)
- 'Card payments live' green banner when connected
- Readiness bar shows Stripe status (5 columns now)

## Pledge flow
- PaymentStep shows card option ONLY if org has Stripe configured
- hasStripe flag passed from /api/qr/[token] → PaymentStep
- Secret key never exposed to frontend (only boolean hasStripe)

## How it works
1. Charity pastes sk_live_... in Settings → Save
2. Donor opens pledge link → sees 'Bank Transfer', 'Direct Debit', 'Card'
3. Donor picks card → enters name + email → redirects to Stripe Checkout
4. Stripe processes payment → money in charity's Stripe balance
5. (Optional) Webhook auto-confirms pledge as paid

Payment options:
- Bank Transfer: zero fees (default, always available)
- Direct Debit via GoCardless: 1% + 20p (if org configured)
- Card via Stripe: standard Stripe fees (if org configured)
2026-03-04 22:46:08 +08:00

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JSON

{
"name": "pledge-now-pay-later",
"version": "0.1.0",
"private": true,
"scripts": {
"dev": "next dev",
"build": "next build",
"start": "next start",
"lint": "next lint"
},
"dependencies": {
"@auth/prisma-adapter": "^2.11.1",
"@prisma/adapter-pg": "^7.4.2",
"@prisma/client": "^7.4.2",
"@stripe/stripe-js": "^8.9.0",
"@types/bcryptjs": "^2.4.6",
"@types/qrcode": "^1.5.6",
"bcryptjs": "^3.0.3",
"class-variance-authority": "^0.7.1",
"clsx": "^2.1.1",
"date-fns": "^4.1.0",
"lucide-react": "^0.575.0",
"nanoid": "^5.1.6",
"next": "14.2.35",
"next-auth": "^4.24.13",
"papaparse": "^5.5.3",
"pg": "^8.19.0",
"prisma": "^7.4.2",
"qrcode": "^1.5.4",
"react": "^18",
"react-dom": "^18",
"sharp": "^0.34.5",
"stripe": "^20.4.0",
"tailwind-merge": "^3.5.0",
"zod": "^4.3.6"
},
"devDependencies": {
"@types/node": "^20",
"@types/papaparse": "^5.5.2",
"@types/pg": "^8.18.0",
"@types/react": "^18",
"@types/react-dom": "^18",
"eslint": "^8",
"eslint-config-next": "14.2.35",
"postcss": "^8",
"tailwindcss": "^3.4.1",
"tsx": "^4.21.0",
"typescript": "^5"
}
}