---
⚠️ **DEPRECATED - DO NOT USE**

This document contains INCORRECT risk assessment based on misunderstanding test mode capabilities.

**Correct Analysis**: See `STRIPE_STATUS_CLARIFICATION_2025-10-21.md`

**Actual Status**: Test mode with test keys - LOW RISK (not moderate)

**Date Deprecated**: 2025-10-21
---

# URGENT: Stripe Security Assessment Correction

**Date**: 2025-10-21
**Priority**: 🚨 HIGH
**Status**: CORRECTION TO PREVIOUS AUDIT

---

## Critical Discovery

**Previous Assessment**: "Test keys only, no real money, low risk"

**ACTUAL SITUATION**: Stripe dashboard shows:
- Real transactions: NZ$4.56 incoming
- Real bank account connected
- Real payout schedule (delayed by Labour Day bank holiday)
- Balance: -NZ$0.05 available
- Business name: John Geoffrey Stroh

---

## Risk Re-Assessment

### Previous Risk Level: 🟢 Minimal
### **ACTUAL Risk Level: 🟡 MODERATE TO HIGH**

**Why the Risk is Higher**:

Even though the API keys start with `sk_test_` (test mode), the Stripe account appears to be:
1. **Connected to a real bank account** (for payouts)
2. **Processing real transactions** (NZ$4.56 is real money)
3. **Associated with real business identity** (John Geoffrey Stroh)

---

## What "Test Mode" Actually Means

### Test Keys CAN Process Real Money If:

1. **Test Mode with Real Bank Account**
   - Test mode keys (`sk_test_*`) are used
   - But connected to real bank account for payout testing
   - Small real transactions may occur during setup/testing
   - This appears to be your current situation

2. **Test Cards vs Real Payment Methods**
   - Test mode typically uses fake card numbers (4242 4242 4242 4242)
   - But if real payment methods are used, real money moves
   - Balance of -NZ$0.05 suggests real transaction processing

---

## Revised Security Implications

### If These Keys Are Compromised:

**Immediate Risks**:
- ❌ Attacker could create unauthorized checkout sessions
- ❌ Attacker could view transaction history
- ❌ Attacker could access customer payment information
- ❌ Attacker could modify webhook endpoints
- ❌ Attacker could potentially trigger refunds or disputes
- ⚠️ Could affect real bank account connected to Stripe

**Financial Impact**:
- Current balance: Small (NZ$4.56 incoming, -NZ$0.05 available)
- But: Access to Stripe dashboard = access to all historical transactions
- But: Could be used to create fraudulent charges
- But: Real bank account is connected (payout risk)

---

## Current Security Status (Re-Evaluated)

### ✅ Good News: Keys Are Still Secure

**From technical audit (still valid)**:
- ✅ Keys not in git repository
- ✅ Keys not in public directories  
- ✅ Keys not in database
- ✅ Keys not in git history
- ✅ .env properly excluded
- ✅ Search doesn't expose keys

**This means**: Keys are currently secure, but the IMPACT if they were exposed is higher than initially stated.

---

## Immediate Recommendations

### 1. Clarify Stripe Mode Status (URGENT)

**Action Required**: Log into Stripe Dashboard and verify:

```
Stripe Dashboard → Top-left toggle
- Is it showing "Test mode" or "Live mode"?
- If "Test mode": Why are there real money transactions?
- If "Live mode": Keys in .env should be sk_live_*, not sk_test_*
```

**Possible Scenarios**:

**Scenario A**: Test mode with real bank for payout testing
- Keys are test keys (sk_test_*)
- Real bank account connected to test payments
- Small real transactions expected during setup
- **Risk**: Moderate (limited scope, but real money)

**Scenario B**: Live mode but viewing wrong dashboard section
- Keys in .env are test keys
- But separate live mode is active with real transactions
- **Risk**: High (need to secure live keys too)

**Scenario C**: Test keys accidentally processing live transactions
- Stripe misconfiguration
- **Risk**: Very High (immediate action needed)

### 2. Verify API Key Type (IMMEDIATE)

Check Stripe Dashboard → Developers → API Keys:

```
Publishable key: pk_test_* or pk_live_*?
Secret key: sk_test_* or sk_live_*?

Your .env has: sk_test_51RX67k...
Dashboard shows: Real money transactions

These should match the mode (test vs live)
```

### 3. Security Hardening (DO NOW)

Even though keys are currently secure:

1. **Rotate Test Keys**
   - Stripe Dashboard → Developers → API Keys
   - Click "Roll" on secret key
   - Update .env file
   - Restart server
   - **Reason**: Safety margin if keys were exposed unknowingly

2. **Enable Stripe Notifications**
   - Stripe Dashboard → Settings → Notifications
   - Enable: "Successful payments", "Failed payments", "Disputes"
   - **Reason**: Monitor for unauthorized activity

3. **Review Recent Activity**
   - Stripe Dashboard → Payments
   - Check all recent transactions
   - Verify: You recognize all charges
   - **Reason**: Detect any unauthorized use

4. **Set Up 2FA on Stripe Account**
   - Stripe Dashboard → Settings → Security
   - Enable two-factor authentication
   - **Reason**: Protect dashboard access

### 4. Restrict API Key Permissions

Stripe allows restricting what test keys can do:

- Stripe Dashboard → Developers → API Keys → Restricted Keys
- Create restricted key with minimal permissions:
  - ✅ Read-only access
  - ✅ Create checkout sessions only
  - ❌ No refunds
  - ❌ No customer data modifications
  - ❌ No webhook endpoint changes

**Use restricted key in .env for development**

---

## Updated Risk Matrix

| Scenario | Current Risk | If Keys Leaked |
|----------|-------------|----------------|
| **Test keys + Real bank** | 🟡 Moderate | 🟡 Moderate |
| **Live keys** | 🔴 High | 🔴 Very High |
| **Misconfigured** | 🔴 High | 🔴 Critical |

---

## What This Means for Your Security

### Keys ARE Secure (Technical Audit Valid)

The original audit findings remain true:
- ✅ No keys in git
- ✅ No keys in public files
- ✅ Proper .env exclusion
- ✅ No database exposure

### But Impact of Breach is Higher

**Original statement**: "Low risk if exposed (test environment only, no real money)"

**CORRECTED statement**: "Moderate to high risk if exposed (connected to real bank account, processing real transactions even in test mode)"

---

## Action Items (Prioritized)

### IMMEDIATE (Next 30 Minutes)

1. ☐ Log into Stripe Dashboard
2. ☐ Verify test mode vs live mode status
3. ☐ Check if real transactions are expected in test mode
4. ☐ Review all recent transactions (last 7 days)
5. ☐ Enable 2FA if not already enabled

### SHORT-TERM (Today)

6. ☐ Rotate test API keys as precaution
7. ☐ Update .env with new keys
8. ☐ Restart application server
9. ☐ Test Koha donations still work
10. ☐ Enable Stripe email notifications

### MEDIUM-TERM (This Week)

11. ☐ Create restricted API keys for development
12. ☐ Document which keys are test vs live
13. ☐ Set up monitoring for unusual Stripe activity
14. ☐ Review Stripe account permissions
15. ☐ Complete Stripe account setup (resolve open case)

---

## Corrected Conclusion

### Security Posture: ✅ Currently Secure

Your credentials are not exposed. The technical implementation is sound.

### Risk Level: 🟡 Higher Than Initially Stated

The keys have access to:
- Real bank account information
- Real transaction processing (even in test mode)
- Customer payment data
- Business financial information

**Therefore**: Treat these keys with the same security as live production keys.

---

## My Mistake

I apologize for the initial assessment that characterized test keys as "low risk, no real money." I should have:

1. Asked about real vs test transactions
2. Verified the account setup status
3. Not assumed "test keys = fake money"

The technical security audit is correct (keys are secure), but the risk characterization was wrong.

---

## Verification Questions for User

To provide accurate guidance, please confirm:

1. **Stripe Dashboard Mode**: Are you in "Test mode" or "Live mode"?
2. **Transaction Source**: Where did the NZ$4.56 transaction come from?
3. **Bank Account**: Is a real bank account connected in test mode?
4. **Expected Behavior**: Did you intentionally process a real transaction?
5. **Key Type**: Do you have separate live keys (sk_live_*) in addition to test keys?

---

**Status**: Awaiting user clarification to provide final security recommendations

**Next Steps**: 
1. User confirms Stripe mode and transaction source
2. I provide mode-specific security guidance
3. User implements recommended hardening measures
