feat: Prepare to use Stripe a checkout component

stripe-lazy-initialization-documentation.md

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+# Stripe Configuration - Lazy Initialization Approach
+
+## 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 because Stripe was being initialized at application startup, and if there were any configuration issues, it would affect the entire application.
+
+## Solution Implemented - Lazy Initialization
+
+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` 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)
+
+5. **Verification**:
+   - Created `bin/test_stripe_config.rb` to verify the lazy initialization approach
+   - Confirmed that Stripe is not initialized at startup but can be initialized during checkout
+
+## Code Changes
+
+### config/initializers/stripe.rb
+- Removed automatic Stripe.api_key initialization
+- Added informational log message
+
+### app/helpers/stripe_helper.rb
+- Added `initialize_stripe` method
+- Enhanced `safe_stripe_call` method
+
+### app/controllers/events_controller.rb
+- Added Stripe initialization in `process_payment` method
+- Added Stripe initialization in `payment_success` method
+- Updated error handling to use helper methods
+
+## Testing
+The new approach has been 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
+
+This approach provides better isolation of payment functionality and ensures that issues with Stripe configuration don't affect the rest of the application.