Prevent Stripe API calls after detecting the API keys are not valid (401 response from API)

changelog.txt

@@ -7,6 +7,7 @@
 * Update - Remove BACS from the unsupported 'change payment method for subscription' page.
 * Fix - Fix payment method title display when new payment settings experience is enabled
 * Fix - Prevent styles from non-checkout pages affecting the appearance of Stripe element.
+* Fix - Prevent further Stripe API calls if API keys are invalid (401 response).
 
 = 9.5.0 - 2025-05-13 =
 * Fix - Fixes the listing of payment methods on the classic checkout when the Optimized Checkout is enabled.

client/settings/account-details/index.js

@@ -133,11 +133,11 @@ const AccountDetails = () => {
 					{ createInterpolateElement(
 						isTestModeEnabled
 							? __(
-									"Seems like the test API keys we've saved for you are no longer valid. If you recently updated them, use the <strong>Configure Connection</strong> button below to reconnect.",
+									"We couldn't connect to your account, it seems like the test API keys we've saved for you are no longer valid. Please use the <strong>Configure connection</strong> button below to reconnect.",
 									'woocommerce-gateway-stripe'
 							  )
 							: __(
-									"Seems like the live API keys we've saved for you are no longer valid. If you recently updated them, use the <strong>Configure Connection</strong> button below to reconnect.",
+									"We couldn't connect to your account, it seems like the live API keys we've saved for you are no longer valid. Please use the <strong>Configure connection</strong> button below to reconnect.",
 									'woocommerce-gateway-stripe'
 							  ),
 						{

client/settings/stripe-auth-account/account-status-panel.js

@@ -150,7 +150,7 @@ const getAccountStatus = ( accountKeys, data, testMode ) => {
 		},
 	};
 
-	if ( ! hasKeys ) {
+	if ( ! hasKeys || data?.account === null ) {
 		return accountStatusMap.disconnected;
 	}
 

includes/class-wc-stripe-api.php

@@ -16,6 +16,20 @@ class WC_Stripe_API {
 	const ENDPOINT           = 'https://api.stripe.com/v1/';
 	const STRIPE_API_VERSION = '2024-06-20';
 
+	/**
+	 * The test mode invalid API keys option key.
+	 *
+	 * @var string
+	 */
+	const TEST_MODE_INVALID_API_KEYS_OPTION_KEY = 'wc_stripe_test_invalid_api_keys_detected';
+
+	/**
+	 * The live mode invalid API keys option key.
+	 *
+	 * @var string
+	 */
+	const LIVE_MODE_INVALID_API_KEYS_OPTION_KEY = 'wc_stripe_live_invalid_api_keys_detected';
+
 	/**
 	 * Secret API Key.
 	 *
@@ -231,6 +245,13 @@ public static function request( $request, $api = 'charges', $method = 'POST', $w
 	 * @param string $api
 	 */
 	public static function retrieve( $api ) {
+		// If we have an option flag indicating that the secret key is not valid, we don't attempt the API call and we return an error.
+		$invalid_api_keys_option_key = WC_Stripe_Mode::is_test() ? self::TEST_MODE_INVALID_API_KEYS_OPTION_KEY : self::LIVE_MODE_INVALID_API_KEYS_OPTION_KEY;
+		$invalid_api_keys_detected = get_option( $invalid_api_keys_option_key );
+		if ( $invalid_api_keys_detected ) {
+			return null; // The UI expects this empty response in case of invalid API keys.
+		}
+
 		WC_Stripe_Logger::log( "{$api}" );
 
 		$response = wp_safe_remote_get(
@@ -242,6 +263,18 @@ public static function retrieve( $api ) {
 			]
 		);
 
+		// If we get a 401 error, we know the secret key is not valid.
+		if ( is_array( $response ) && isset( $response['response'] ) && is_array( $response['response'] ) && isset( $response['response']['code'] ) && 401 === $response['response']['code'] ) {
+			// We save a flag in the options to avoid making calls until the secret key gets updated.
+			update_option( $invalid_api_keys_option_key, true );
+			update_option( $invalid_api_keys_option_key . '_at', time() );
+
+			// We delete the transient for the account data to trigger the not-connected UI in the admin dashboard.
+			delete_transient( WC_Stripe_Mode::is_test() ? WC_Stripe_Account::TEST_ACCOUNT_OPTION : WC_Stripe_Account::LIVE_ACCOUNT_OPTION );
+
+			return null; // The UI expects this empty response in case of invalid API keys.
+		}
+
 		if ( is_wp_error( $response ) || empty( $response['body'] ) ) {
 			WC_Stripe_Logger::log( 'Error Response: ' . print_r( $response, true ) );
 			return new WP_Error( 'stripe_error', __( 'There was a problem connecting to the Stripe API endpoint.', 'woocommerce-gateway-stripe' ) );

includes/connect/class-wc-stripe-connect.php

@@ -183,6 +183,11 @@ private function save_stripe_keys( $result, $type = 'connect', $mode = 'live' )
 			update_option( 'wc_stripe_' . $prefix . 'oauth_failed_attempts', 0 );
 			update_option( 'wc_stripe_' . $prefix . 'oauth_last_failed_at', '' );
 
+			// Clear the invalid API keys transient.
+			$invalid_api_keys_option_key = $is_test ? WC_Stripe_API::TEST_MODE_INVALID_API_KEYS_OPTION_KEY : WC_Stripe_API::LIVE_MODE_INVALID_API_KEYS_OPTION_KEY;
+			update_option( $invalid_api_keys_option_key, false );
+			update_option( $invalid_api_keys_option_key . '_at', time() );
+
 			if ( 'app' === $type ) {
 				// Stripe App OAuth access_tokens expire after 1 hour:
 				// https://docs.stripe.com/stripe-apps/api-authentication/oauth#refresh-access-token

readme.txt

@@ -118,6 +118,7 @@ If you get stuck, you can ask for help in the [Plugin Forum](https://wordpress.o
 * Update - Remove BACS from the unsupported 'change payment method for subscription' page.
 * Fix - Fix payment method title display when new payment settings experience is enabled
 * Fix - Prevent styles from non-checkout pages affecting the appearance of Stripe element.
+* Fix - Prevent further Stripe API calls if API keys are invalid (401 response).
 
 
 [See changelog for full details across versions](https://raw.githubusercontent.com/woocommerce/woocommerce-gateway-stripe/trunk/changelog.txt).

tests/phpunit/test-class-wc-stripe-api.php

@@ -94,4 +94,88 @@ public function test_set_secret_key_for_mode_with_parameter() {
 		WC_Stripe_API::set_secret_key_for_mode( 'invalid' );
 		$this->assertEquals( self::LIVE_SECRET_KEY, WC_Stripe_API::get_secret_key() );
 	}
+
+	/**
+	 * Test WC_Stripe_API::retrieve() when API returns 401 error.
+	 */
+	public function test_retrieve_handles_401_error() {
+		// Mock a 401 API response
+		add_filter( 'pre_http_request', [ $this, 'mock_401_response' ] );
+
+		// Call the retrieve method
+		$result = WC_Stripe_API::retrieve( 'test_endpoint' );
+
+		// Verify the result is null
+		$this->assertNull( $result );
+
+		// Verify the invalid API keys option was set
+		$this->assertTrue( get_option( WC_Stripe_API::TEST_MODE_INVALID_API_KEYS_OPTION_KEY ) );
+
+		// Clean up
+		remove_filter( 'pre_http_request', [ $this, 'mock_401_response' ] );
+		delete_option( WC_Stripe_API::TEST_MODE_INVALID_API_KEYS_OPTION_KEY );
+	}
+
+	/**
+	 * Test WC_Stripe_API::retrieve() when API keys are invalid.
+	 */
+	public function test_retrieve_returns_null_when_api_keys_are_invalid() {
+		// Set up the invalid API keys option
+		update_option( WC_Stripe_API::TEST_MODE_INVALID_API_KEYS_OPTION_KEY, true );
+
+		// Call the retrieve method
+		$result = WC_Stripe_API::retrieve( 'test_endpoint' );
+
+		// Verify the result is null
+		$this->assertNull( $result );
+
+		// Clean up
+		delete_option( WC_Stripe_API::TEST_MODE_INVALID_API_KEYS_OPTION_KEY );
+	}
+
+	/**
+	 * Test WC_Stripe_API::retrieve() when API keys are valid.
+	 */
+	public function test_retrieve_makes_api_call_when_api_keys_are_valid() {
+		// Ensure no invalid API keys option exists
+		delete_option( WC_Stripe_API::TEST_MODE_INVALID_API_KEYS_OPTION_KEY );
+
+		// Mock a successful API response
+		add_filter( 'pre_http_request', [ $this, 'mock_successful_response' ] );
+
+		// Call the retrieve method
+		$result = WC_Stripe_API::retrieve( 'test_endpoint' );
+
+		// Verify the result matches our mock response
+		$this->assertEquals( 'success', $result );
+
+		// Clean up
+		remove_filter( 'pre_http_request', [ $this, 'mock_successful_response' ] );
+	}
+
+	/**
+	 * Helper method to mock a successful API response.
+	 */
+	public function mock_successful_response() {
+		return [
+			'response' => [
+				'code' => 200,
+				'message' => 'OK',
+			],
+			'body' => json_encode( 'success' ),
+		];
+	}
+
+	/**
+	 * Helper method to mock a 401 API response.
+	 */
+	public function mock_401_response() {
+		return [
+			'response' => [
+				'code' => 401,
+				'message' => 'Unauthorized',
+			],
+			'body' => '',
+		];
+	}
 }