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On the server you need to initialise Stripe with your secret key, which you don’t appear to be doing here.
const stripe = require('stripe')('your-secret-key')
Details can be found in the Stripe docs: https://stripe.com/docs/api/authentication?lang=node
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EDIT: After explanation in the comments, it appears that the OP has not used a dotenv file, which mean process.env.STRIPE_SECRET_KEY is null, hence the error.
Recommended reading: https://www.npmjs.com/package/dotenv
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