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There are numerous payment providers available, including Stripe, PayPal, Adyen, Worldpay, Braintree, and many more. While each has its own APIs and quirks, the core concepts are very similar: - You create a payment intent/session on the backend - You collect payment details securely on the frontend - You confirm the payment - You verify the result server-side In this blog, I’ll focus on Stripe because it’s extremely well-documented, it strikes a good balance between features and cost, and it’s been reliable across multiple real-world projects I’ve worked on. That said, the same architecture applies to most providers; you’ll just need to adapt the API calls based on their documentation.   ## Why Stripe (and why not a pre-built SDK)? Depending on your platform and language, you might find ready-made Stripe SDKs or plugins that handle most of the work for you. However, Oracle APEX is a bit different: there’s no official Stripe APEX plugin, you’re typically working with PL/SQL on the backend, and JavaScript is used only where necessary on the frontend. Rather than relying on an SDK, I usually call Stripe’s REST APIs directly from PL/SQL and use Stripe.js on the frontend to handle sensitive payment data. This approach keeps things secure (no card data ever touches your server) while remaining flexible and portable to other backend systems if needed later. ## Stripe Checkout Flow Options Stripe gives you a few different ways to collect payments. Choosing the right one depends on how much control you want over the user experience. ### 1. Stripe Hosted Checkout Page What it is: Stripe hosts the entire checkout page, and you simply redirect the user to it. Pros: - Fastest to implement - Stripe handles UI, validation, and compliance - Very secure Cons: - Limited branding/customisation - Harder to blend into an existing APEX UX Best for: Simple payment flows where branding isn’t critical.   ### 2. Payment Links What it is: Pre-generated payment URLs created in the Stripe dashboard. Pros: - No code required - Great for one-off payments Cons: - Almost no control - Not suitable for dynamic pricing or logged-in users Best for: Manual payments or admin-driven processes. ### 3. Embedded Checkout / Payment Elements (My Default) What it is: You build your own page, embed Stripe’s payment components using Stripe.js, and control the flow end-to-end. Pros: - Full UX control - Seamless integration with APEX pages - Supports complex flows (courses, subscriptions, add-ons, etc.) Cons: - Slightly more setup - Requires JavaScript and backend coordination Best for: Most serious APEX applications. This is the approach I usually default to, and the one I’ll focus on here. [![Adding Payments to Oracle APEX Using Stripe](https://content.dsp.co.uk/hs-fs/hubfs/Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%201.png?width=602&height=480&name=Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%201.png)](https://content.dsp.co.uk/hubfs/Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%201.png)   ## High-Level Flow (APEX + Stripe) At a high level, the flow looks like this: 1. User initiates a payment in APEX 2. APEX backend (PL/SQL) creates a Stripe Checkout Session 3. Stripe returns a Client Secret 4. The Client Secret is passed to the page 5. Stripe.js renders secure payment components 6. User completes payment 7. Stripe confirms payment 8. APEX verifies the result and completes the process This keeps all sensitive data inside Stripe, not your database.   ## Backend: Creating the Checkout Session (PL/SQL) In APEX, I typically create the Stripe Checkout Session from PL/SQL and then return the client_secret to the page, allowing Stripe.js to render the payment components. The backend step has four jobs: 1. Build Stripe line_items[...] from your order/cart tables 2. Add any optional settings (billing address collection, invoice creation, discounts, taxes, etc.) 3. Call Stripe’s POST /v1/checkout/sessions endpoint securely 4. Parse the response and store the safe identifiers against your order What to store (and what not to store): - Store session_id (useful for reconciliation, refunds, support queries, webhooks) - Store your internal order status (e.g. PENDING_PAYMENT) - Do not store client_secret in your database (treat it as browser-only) Tip: Always pass your internal identifier in Stripe metadata (for example, order_id). It makes it far easier to match Stripe events back to your application later. Using APEX Web Credentials for the Stripe secret key: Your Stripe secret key must never be exposed to the browser. In APEX, the cleanest approach is to store it in a Web Credential, then reference it via p_credential_static_id when calling Stripe. [![Adding Payments to Oracle APEX Using Stripe](https://content.dsp.co.uk/hs-fs/hubfs/Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%202.png?width=602&height=292&name=Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%202.png)](https://content.dsp.co.uk/hubfs/Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%202.png) Example: Create Session + return client_secret: Below is a simplified version of the backend function I tend to use. It builds dynamic line_items from the order, optionally applies a discount, calls Stripe, and returns the client_secret to APEX. Note: This is intentionally “APEX-style” and uses the format Stripe expects for Checkout Sessions, where line_items are indexed (line_items[0], line_items[1], etc.). ``` FUNCTION create_session_elements ( ``` A couple of production notes: - Escape strings: Anything that could contain spaces, &, =, or non-ascii characters should be URL-escaped (names, summaries, emails, return URLs). - Idempotency: In production, it’s worth adding an idempotency key (e.g. based on order_id), so retries don’t create multiple Stripe sessions. - Verification: The frontend flow should never be the final source of truth — always verify payment status server-side (Stripe API and/or webhooks) before granting access to paid content.   ## APEX Page Flow: Ensuring Things Run in the Right Order One APEX-specific detail worth noting is where and when this backend code runs. In my projects, I typically: 1. Run the PL/SQL checkout-session logic in a page rendering process 2. Store the returned client_secret in a hidden page item 3. Initialise Stripe.js via a Dynamic Action on page load This aligns cleanly with how APEX pages are rendered and avoids timing issues. Typical setup in APEX: 1) Page Process (After Header / Before Regions) I run the backend function during page render - usually in After Header (or Before Regions, depending on the page). Example: ``` :P40_CLIENT_SECRET := create_session_elements(:P40_ORDER_ID); ``` This ensures the Stripe session is created before any JavaScript executes, and the client_secret is available as soon as the page loads. Important: The client_secret is stored only in session state (page item) and not persisted to the database. 2) Page Item - PXX_CLIENT_SECRET - Type: Hidden - Session state protected as needed This acts as the handoff between PL/SQL and JavaScript. 3) Dynamic Action: On Page Load -> Execute JavaScript Code Instead of putting Stripe logic directly in the page template, I trigger it via a Dynamic Action: - Event: Page Load - True Action: Execute JavaScript Code - Code: (Stripe.js initialisation logic) This ensures: - The page is fully rendered - PXX_CLIENT_SECRET is already populated - Stripe Elements mount reliably every time Why this approach works well in APEX: - Respects the APEX page lifecycle - Avoids race conditions between PL/SQL and JavaScript - Keeps responsibilities clear: - PL/SQL -> create session - JS -> render UI and confirm payment - Easy to debug (you can inspect the page item value) It’s a simple pattern, but it removes a whole class of “why is my Stripe element undefined?” problems.   ## Frontend: Rendering the Payment UI with Stripe.js Once you have the client_secret, you can initialise Stripe on the page. Here’s an example using Stripe’s JS library and APEX-friendly patterns: ``` const spinner$ = apex.util.showSpinner( ``` Why This Approach Works Well in APEX: - Stripe handles all sensitive data - APEX controls the business logic - You get a modern, accessible payment UI - The flow feels native to your application You can easily: - Store transaction metadata - Handle subscriptions - Apply discounts - Support multiple currencies   ## Verifying the Payment (Don’t Skip This!) Even though Stripe.js can tell you a payment looks successful, you should treat the browser as a convenience layer, not a source of truth. The safest pattern is: 1. The frontend confirms payment with Stripe. 2. Your app then asks Stripe directly for the session status. 3. Only if Stripe confirms payment_status = paid do you mark the order as paid / grant access / send emails. In my APEX flow, the JavaScript calls: ``` apex.submit('PAYMENT_CHECK'); ``` That request is handled server-side, where I call Stripe’s API using the stored SESSION_ID. [![Adding Payments to Oracle APEX Using Stripe](https://content.dsp.co.uk/hs-fs/hubfs/Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%203.png?width=301&height=185&name=Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%203.png)](https://content.dsp.co.uk/hubfs/Adding%20Payments%20to%20Oracle%20APEX%20Using%20Stripe%203.png)   Example: Server-side verification from PL/SQL: This is the procedure I typically use. It: - Fetches the checkout session from Stripe (GET /v1/checkout/sessions/{id}) - Reads payment_status and the payment_intent - Updates the order status - If paid, writes a payment record and triggers email confirmations ``` PROCEDURE check_order_status ( ```   Production notes (small but important) - Idempotency / duplicate inserts: - Users can refresh, use the back button, or resubmit. Make sure your “PAYMENTS” table can’t insert the same Stripe session twice. Common approaches: - Unique constraint on stripe_id (session id) or payment_intent - Or a MERGE instead of INSERT - Handle more than just “PAID”: - You may want to explicitly handle unpaid, no_payment_required, and error states depending on your product. - Webhooks are the next step: - This “pull” verification works well and is easy to reason about in APEX. For higher reliability (e.g. user closes the browser mid-flow), add Stripe webhooks later and reconcile asynchronously, or add both!   ## Final Thoughts Adding payments to Oracle APEX doesn’t require magic - just a clean separation of responsibilities: - APEX / PL/SQL -> business logic, session creation, verification - Stripe.js -> secure UI and payment handling While I’ve used Stripe here, the same principles apply to most payment providers. Always review their documentation carefully and choose the flow that best matches your UX and security needs. 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