Customers Can't Pay on My Website
Customers are trying to buy something on your website and the payment isn't going through. Maybe they see an error, the page spins forever, or the payment button does nothing when clicked. Every minute this is broken, you're losing real money.
Payment problems are especially frustrating because there are so many possible causes — your payment provider (Stripe, PayPal, Square), your website code, your hosting, or even the customer's bank could all be the problem. And unlike other bugs, you often won't know about this one until customers complain or you notice sales have dropped to zero.
The good news is that most payment issues have straightforward fixes once you identify which part of the chain is broken.
Error Messages You Might See
Common Causes
- Using test API keys in production — Your app is still using Stripe or PayPal test/sandbox keys instead of live keys, so real payments silently fail
- API keys expired or revoked — Your payment provider credentials stopped working and need to be updated
- SSL certificate missing — Payment providers require HTTPS. If your SSL expired, payments will be blocked
- Payment form not loading — The payment widget (Stripe Elements, PayPal button) fails to load due to a JavaScript error
- Currency or region mismatch — Your Stripe account is set to one currency but your website is trying to charge in another
- 3D Secure failing — European customers need extra bank verification (3DS) and your app doesn't handle it
How to Fix It
- Test a payment yourself — Try to make a purchase on your own site to see exactly what error appears
- Check your payment provider dashboard — Log into Stripe, PayPal, or your payment provider to see if there are failed charges or error logs
- Verify you're using live API keys — Make sure your production site uses live/production keys, not test/sandbox keys
- Check the browser console for errors — Press F12 and look for red error messages when the payment fails
- Verify SSL is active — Make sure your URL shows the padlock icon (HTTPS). Payment forms won't work on HTTP
- Contact your payment provider's support — They can see exactly why payments are being declined on their end
Real developers can help you.
Pratik
SWE with 15+ years of experience building and maintaining web apps and extensive BE infrastructure
Jared Hasson
Full time lead founding dev at a cyber security saas startup, with 10 yoe and a bachelor's in CS. Building & debugging software products is what I've spent my time on for forever
rayush33
JavaScript (React.js, React Native, Node.js) Developer with demonstrated industry experience of 4+ years, actively looking for opportunities to hone my skills as well as help small-scale business owners with solutions to technical problems
David Olverson
Solo dev shipping production apps with AI-assisted development. I specialize in rescuing broken Lovable/Bolt/Cursor builds and taking them to production. 10+ apps shipped including SaaS CRMs, gaming platforms, real estate tools, and Discord bots. Stack: Next.js 16, TypeScript, Tailwind CSS, FastAPI, PostgreSQL, Prisma. I use Claude Code with 50+ custom skills for rapid delivery. Average turnaround: 2-4 weeks from broken prototype to production.
Krishna Sai Kuncha
Experienced Professional Full stack Developer with 8+ years of experience across react, python, js, ts, golang and react-native. Developed inhouse websearch tooling for AI before websearch was solved : )
zipking
I am a technologist and product builder dedicated to creating high-impact solutions at the intersection of AI and specialized markets. Currently, I am focused on PropScan (EstateGuard), an AI-driven SaaS platform tailored for the Japanese real estate industry, and exploring the potential of Archify.
As an INFJ-T, I approach development with a "systems-thinking" mindset—balancing technical precision with a deep understanding of user needs. I particularly enjoy the challenge of architecting Vertical AI SaaS and optimizing Small Language Models (SLMs) to solve specific, real-world business problems. Whether I'm in a CTO-level leadership role or hands-on with the code, I thrive on building tools that turn complex data into actionable value.
Matt Butler
Software Engineer @ AWS
Nam Tran
10 years as fullstack developer
Yovel Cohen
I got a lot of experience in building Long-horizon AI Agents in production, Backend apps that scale to millions of users and frontend knowledge as well.
ISHANTDEEP SINGH
Senior Software Engineer with 7+ years of experience in React, JavaScript, TypeScript, Next.js, and Node.js. I’ve also worked as a tech lead for startups, owning end-to-end technical execution including architecture, development, scaling, and delivery. I bring a strong mix of hands-on coding, product thinking, and technical leadership, and I’m comfortable building products from scratch as well as improving and scaling existing systems.
Describe what's wrong in plain English. No technical knowledge needed.
Get HelpFrequently Asked Questions
How do I know if I'm using test keys vs live keys?
Stripe test keys start with 'sk_test_' and live keys start with 'sk_live_'. Check your website's settings or environment variables. If you see 'test' in the key, that's your problem — payments will appear to work but no real money is charged.
A customer says they were charged but I don't see the order. What happened?
The payment went through on Stripe's side but your website failed to record the order. Check your Stripe dashboard for the charge. This usually means there's an error in the code that runs after the payment succeeds.