Work issue #125. I refactored the checkout.js code to match the recommended layout in the stripe docs, and cleaned up some error handling. It seems like the big problem was that charges were failing when the zip or address didn't match what the credit card company expected. however, i thought i changed that setting last week and it didn't help, but somehow refactoring it now seems to be working. not sure if there was some kind of delay in the update to my settings or if i did something when refactoring the code that changed the flow around errors. still leaving this open while we see if it addresses the problems...