Stripe Webhook Security

Stripe webhooks are how a payment provider tells your backend that things happened. If they are wrong — forged, replayed, or processed twice — you ship product without payment, or charge customers twice, or skip a refund. This skill covers the patterns that prevent that.

Applies to Stripe (and largely to other PSPs with similar webhook designs: Paddle, Mollie, Adyen). Examples are Node/Express; the principles port.

When to invoke

• Wiring a new Stripe webhook endpoint
• Adding a new event type to an existing handler
• Investigating a payments incident (mismatched orders, double-charge, missing refunds)
• Migrating from test mode to live mode
• Auditing an inherited integration

The three rules

A webhook handler must do all three of these. Skipping any one is a bug.

1. Verify the signature before trusting any field
2. Be idempotent — receiving the same event twice does nothing extra
3. Use the event as a hint, not a source of truth for high-value actions

Rule 1 — Signature verification (on raw body)

Stripe signs the request with STRIPE_WEBHOOK_SECRET. Verification only works on the exact raw bytes Stripe sent — JSON-parsing first destroys the signature.

// Express — register the raw-body middleware ONLY for the webhook route
import express from 'express';
import Stripe from 'stripe';

const app = express();
const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!, { apiVersion: '2024-12-18.acacia' });

// IMPORTANT: do not use express.json() ahead of this route
app.post(
  '/webhooks/stripe',
  express.raw({ type: 'application/json', limit: '1mb' }),
  async (req, res) => {
    const sig = req.headers['stripe-signature'] as string;
    let event: Stripe.Event;
    try {
      event = stripe.webhooks.constructEvent(
        req.body,                          // Buffer, NOT parsed
        sig,
        process.env.STRIPE_WEBHOOK_SECRET!
      );
    } catch (err) {
      // Signature invalid — do NOT log the body
      return res.status(400).send('invalid signature');
    }
    await handle(event);
    res.json({ received: true });
  }
);

// Other routes use JSON parsing normally
app.use(express.json());

Common mistakes:

• app.use(express.json()) before the webhook route → body is parsed → signature fails
• Verifying with the wrong secret (test mode vs live mode — each has its own)
• Storing the secret in a place readable by the application but also by other tenants on the same host
• Multiple endpoints registered in Stripe Dashboard, each with a different secret — make sure the env var matches the endpoint URL it serves

Rule 2 — Idempotency

Stripe will retry webhooks if your endpoint times out or 5xx's. The same event.id may arrive 10 times. Your handler must produce the same effect whether it runs once or ten times.

// Pseudocode: dedup by event.id at the DB layer
async function handle(event: Stripe.Event) {
  const inserted = await db.processedEvents.insertIgnoreConflict({
    id: event.id,
    type: event.type,
    received_at: new Date(),
  });
  if (!inserted) {
    // We've already processed this event — return success without re-running side effects
    return;
  }

  await processSideEffects(event);
}

In SQL, the dedup table:

CREATE TABLE processed_stripe_events (
  id            TEXT PRIMARY KEY,         -- event.id
  type          TEXT NOT NULL,
  received_at   TIMESTAMPTZ NOT NULL DEFAULT now(),
  payload_hash  TEXT                       -- optional: SHA256 of event for forensic comparison
);

Insert with ON CONFLICT DO NOTHING; check whether a row was actually inserted to decide whether to run side effects.

Idempotency at the action layer too:

• Order fulfillment: keyed by Stripe payment_intent.id, not arbitrary order ID. If retried, fulfillment runs once.
• Refund issuance: keyed by the refund event ID. Same.
• Email sends: keyed by event.id + recipient so a retry does not double-email.

Rule 3 — Use the event as a hint, then fetch fresh

For anything important, do not trust the event body's amount/status/metadata. The event tells you "something happened with pi_xxx"; you then stripe.paymentIntents.retrieve(pi_xxx) and read the authoritative current state.

async function onPaymentIntentSucceeded(event: Stripe.Event) {
  const piFromEvent = event.data.object as Stripe.PaymentIntent;
  // Re-fetch — authoritative state
  const pi = await stripe.paymentIntents.retrieve(piFromEvent.id);
  if (pi.status !== 'succeeded') return;     // Defensive — state changed since event fired

  const amountMinor = pi.amount_received;
  const currency = pi.currency;
  const orderId = pi.metadata.order_id;      // Set during PI creation

  await fulfillOrder({ orderId, amountMinor, currency, paymentIntentId: pi.id });
}

Why: an event body is fixed at the moment Stripe sent it, but a payment can be partially refunded, disputed, or otherwise mutated by the time your handler runs. For real-money decisions, fetch fresh.

Event-type allowlist

Stripe sends many event types you almost never care about. Listen for exactly the ones you handle, ignore the rest cleanly.

const HANDLED_EVENTS = new Set([
  'payment_intent.succeeded',
  'payment_intent.payment_failed',
  'charge.refunded',
  'charge.dispute.created',
  'customer.subscription.updated',
  'customer.subscription.deleted',
  'invoice.payment_failed',
]);

async function handle(event: Stripe.Event) {
  if (!HANDLED_EVENTS.has(event.type)) {
    // Ignore unknown types — 200 so Stripe doesn't retry
    return;
  }
  switch (event.type) {
    case 'payment_intent.succeeded': return onPaymentIntentSucceeded(event);
    // ...
  }
}

In the Stripe Dashboard, also subscribe the endpoint only to the events you handle — reduces noise and reduces what an attacker could craft if the endpoint were somehow misconfigured.

Replay protection

Signature verification with constructEvent includes a timestamp check (default tolerance 5 minutes). An old captured webhook will not replay successfully outside that window.

Belt-and-braces: the dedup table above also catches replays of valid events. Together they cover both attack and accident.

Money — the traps that actually bite

These are the failure modes that show up in real Stripe integrations.

The cents trap. Stripe amounts are in the minor unit (cents, kobo, etc.). 1234 = €12.34. Comparing amount > 100 thinking it's euros is a 100x bug.

The currency trap. A payment_intent.succeeded for an order is only valid if its currency matches what you priced the order in. A €10 order paid in JPY at the wrong rate is fraud-shaped.

if (pi.currency !== order.currency.toLowerCase()) {
  await flagForReview(order.id, 'currency mismatch');
  return;
}
if (pi.amount_received < order.expectedAmountMinor) {
  await flagForReview(order.id, 'underpayment');
  return;
}

The race trap. Two events for the same order arrive within ms (e.g. payment_intent.succeeded and charge.succeeded). Both try to fulfill. Without idempotency or row-level locks, the order gets fulfilled twice.

The partial-refund trap. charge.refunded does not always mean a full refund. Read charge.amount_refunded and charge.refunded (boolean). Refund-issued ≠ order-fully-refunded.

The dispute trap. charge.dispute.created is the start of a chargeback. The money is gone from your account immediately, but your fulfillment may continue if you don't act on the event. Pause shipping / access; do not auto-refund (you'll double-refund yourself).

Stripe Connect specifics

If you are running platform / Connect, additional notes:

• `account` field on the event tells you which connected account it belongs to. Use it to scope queries — never assume events are platform-only.
• Application fees are charged on the platform's account; refunds and reversals need their own handler logic.
• Connected-account webhooks vs platform webhooks are separately configured. Make sure both are signed and both endpoints are protected.

Endpoint exposure

• HTTPS only — Stripe will not send to HTTP in production
• Endpoint is public by necessity — Stripe needs to reach it, so you cannot IP-allowlist arbitrarily. If you want extra protection, Stripe publishes a webhook IP list; allowlist those at Cloudflare/WAF.
• Rate limit defensively — even though only Stripe should hit it, an attacker who knows the URL will probe. A few rps cap is fine.
• Do not leak in errors — if signature verification fails, respond 400 with no detail. Don't echo back what was wrong.

Testing

• Stripe CLI for local testing: stripe listen --forward-to localhost:3000/webhooks/stripe — uses a separate test secret you copy from CLI output.
• Replay an event from the dashboard to test idempotency: dispatch the same event twice, confirm side effects fire once.
• Test all the failure paths: bad signature, malformed body, unknown event type, retry after timeout, currency mismatch, partial refund.

Audit checklist

For a webhook handler going to production:

• [ ] Raw body middleware applied only to the webhook route, ahead of JSON parser
• [ ] Signature verified with stripe.webhooks.constructEvent
• [ ] STRIPE_WEBHOOK_SECRET matches the endpoint registered in Stripe Dashboard
• [ ] Live secret and test secret are distinct env vars, not swapped
• [ ] Dedup table keyed on event.id is in place
• [ ] For real-money actions, you re-fetch authoritative state via Stripe API
• [ ] Currency and amount cross-checked against the order's expectation
• [ ] Event-type allowlist filters out everything not explicitly handled
• [ ] Partial refunds, disputes, and Connect (if applicable) have specific handlers
• [ ] No PII or secret values in 4xx response bodies or error logs
• [ ] Webhook endpoint is HTTPS, with optional IP allowlist for Stripe ranges
• [ ] Stripe CLI tested locally, dashboard "send test webhook" tested in staging

What this skill will not do

• Help bypass Stripe authentication or fake webhook signatures
• Recommend trusting webhook payloads for high-value decisions without re-fetch
• Replace Stripe's own integration documentation for product-specific flows