Stripe Payment Integration in Magento — Official Extension vs Custom Module
Stripe ships stripe/module-payments, the official Magento Marketplace extension that handles Payment Element, 3DS2 SCA, webhooks, partial refunds, and Stripe Billing subscriptions out of the box. It covers 95% of stores. The other 5% — B2B with biometric-bypass 3DS2, micro-fee rounding into the customer's total, ACH/SEPA mandate caching, high-risk merchants, marketplace platforms running Stripe Connect Direct Charges with custom application_fee_amount logic — need either a fork of the official module or a full from-scratch integration. Here is the decision tree, the PaymentIntent + SetupIntent code, and a realistic cost estimate for each path.