Stripe Payment Integration
Quick Summary
ResponseIQ processes all payments through Stripe, a PCI Level 1 certified payment processor used by millions of businesses worldwide. Your payment card information is handled entirely by Stripe and never touches ResponseIQ's servers. This article explains how the integration works and how to manage your billing.
PCI Compliance and Card Data Handling
Payment Card Industry Data Security Standard (PCI DSS) compliance is the gold standard for handling payment card data. Stripe maintains PCI Level 1 compliance — the highest level of certification available. By using Stripe, ResponseIQ benefits from this compliance without ever handling your card data directly.
When you enter your payment information during checkout or plan upgrades, your card details are sent directly from your browser to Stripe's servers using their secure JavaScript library (Stripe Elements). ResponseIQ's servers never receive, process, or store your full card number, expiration date, or CVV. What ResponseIQ stores is a Stripe customer ID and subscription ID — opaque tokens that allow us to reference your subscription without exposing any payment details.
Note
You can verify that your card data is being handled by Stripe by inspecting the checkout form — the card input fields are rendered inside a secure Stripe iframe, which is isolated from the rest of the page.
How Stripe Handles Your Card Data
Stripe uses multiple layers of security to protect your payment information. All card data is encrypted at rest using AES-256 encryption. Data in transit is protected by TLS. Stripe's infrastructure undergoes regular third-party security audits and penetration testing.
- Card numbers are tokenized immediately upon receipt — the actual card number is replaced with a secure token.
- Stripe's systems are distributed across multiple data centers with redundancy and failover capabilities.
- Fraud detection algorithms analyze transactions in real time to flag suspicious activity.
- Stripe complies with data protection regulations including GDPR and PCI DSS.
- Stripe provides automatic card updating — if your bank issues a new card number (due to expiration or replacement), Stripe can automatically update it in many cases, preventing service interruption.
Managing Your Billing Through the Customer Portal
ResponseIQ provides access to Stripe's Customer Portal, where you can manage all aspects of your billing directly. The portal is hosted by Stripe and provides a secure, familiar interface for subscription management.
- Go to Settings and then Billing in your ResponseIQ dashboard.
- Click 'Manage Billing' to open the Stripe Customer Portal.
- From the portal, you can update your payment method, view past invoices, download receipts, and change your subscription plan.
- All changes take effect according to your billing cycle — upgrades are prorated, and downgrades take effect at the end of the current period.
- When you are done, close the portal tab to return to your ResponseIQ dashboard.
| Action | Where to Do It | When It Takes Effect |
|---|---|---|
| Update payment method | Stripe Customer Portal | Immediately — next charge uses the new method |
| Upgrade plan | ResponseIQ Settings or Stripe Portal | Immediately — prorated charge for the remainder of the billing cycle |
| Downgrade plan | ResponseIQ Settings or Stripe Portal | End of current billing period — you keep current plan features until then |
| Cancel subscription | Stripe Customer Portal | End of current billing period — access continues until the period ends |
| View invoices | Stripe Customer Portal | Available immediately — download PDF invoices for any past payment |
Pro Tip
If you need a receipt for a specific payment, use the Stripe Customer Portal to download a PDF invoice. These invoices include all the details typically required for business expense reporting and tax purposes.
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