Stripe Checkout vs custom cart: when to use which
Stripe Checkout (hosted). The right default. Stripe hosts the checkout page, handles SCA/3DS, accepts every payment method automatically (Apple Pay, Google Pay, Klarna, Afterpay, Link), updates compliance for you. You write 30 lines of code to create a session and 100 lines for the webhook handler. Done.
Use Stripe Checkout if: your store has < 100 SKUs, you're not doing exotic upsells or post-purchase one-clicks, and your customers won't blink at being redirected to a stripe.com URL. That's 90% of stores.
Custom cart with Stripe Elements (embedded). Right when you need full control over the checkout UXmulti-step flows, post-purchase upsells, in-cart discounts that update in real-time, or you need to keep customers on your domain end-to-end for conversion-tracking reasons.
You're trading 1–2 weeks of build time for the control. Webtwizz can scaffold either; tell the AI "use Stripe Checkout" or "use Elements with a custom cart" upfront.
Avoid: rolling your own card-input forms. PCI scope is a swamp, Stripe Elements or Checkout both keep you out of it.
