feat: Prepare to use Stripe a checkout component

stripe-fix-documentation.md

@@ -0,0 +1,47 @@
+# Stripe Configuration Fix - Updated with Lazy Initialization
+
+## Problem
+The "Retour" link on the collect_names page sometimes displayed a Stripe API key error:
+```
+Erreur de traitement du paiement : No API key provided. Set your API key using "Stripe.api_key = <API-KEY>".
+```
+
+## Root Cause
+The error occurred when Stripe code was executed without the API key being properly set. This could happen in development environments or when environment variables were not properly configured.
+
+## Solution Evolution
+
+We initially implemented a fix that enhanced the Stripe initializer and added better error handling. However, we have now updated our approach to use **lazy initialization** - Stripe is only initialized during the checkout process when actually needed.
+
+## Current Solution - Lazy Initialization Approach
+
+1. **Deferred Stripe Initialization** (`config/initializers/stripe.rb`):
+   - Stripe configuration is loaded at startup but API key is NOT set
+   - Stripe.api_key is only set during the checkout process when needed
+
+2. **Enhanced Stripe Helper** (`app/helpers/stripe_helper.rb`):
+   - Added `initialize_stripe` method to initialize Stripe only when needed
+   - Updated `safe_stripe_call` method to automatically initialize Stripe if not already done
+
+3. **Checkout Process Updates**:
+   - Added explicit Stripe initialization in `process_payment` method
+   - Added explicit Stripe initialization in `payment_success` method
+   - Added proper error handling for initialization failures
+
+4. **Benefits of This Approach**:
+   - Stripe is only initialized when actually needed (during checkout)
+   - Application startup is not dependent on Stripe service availability
+   - Payment-related issues are isolated and don't affect other application features
+   - More efficient resource usage (Stripe library only fully loaded during checkout)
+
+## Verification
+The fix has been tested and verified to work correctly:
+- Stripe is not initialized at application startup
+- Stripe is properly initialized during the checkout process
+- All Stripe functionality works as expected
+- Error handling is improved
+
+## Prevention
+The enhanced error handling will prevent the application from crashing when Stripe is not properly configured and will display user-friendly error messages instead.
+
+For detailed implementation, see `stripe-lazy-initialization-documentation.md`.