Stripe Payment Setup

• Credit & Debit Cards: Visa, Mastercard, Amex, Discover
• ACH Bank Transfers: Direct from customer bank accounts
• Apple Pay & Google Pay: Fast mobile checkout
• Link by Stripe: One-click checkout for returning customers

• Industry-leading security: PCI Level 1 certified
• Fast payouts: Get paid in 2 business days (or instantly)
• Low fees: Competitive processing rates
• No monthly fees: Only pay when you process payments
• Trusted by millions: Used by businesses worldwide

1. Navigate to Settings > Payments
2. Click Connect with Stripe
3. You'll be redirected to Stripe's secure website
4. Either sign in to existing Stripe account or create new
5. Stripe will ask for business information:
   • Business name and address
   • EIN or SSN for tax purposes
   • Bank account for deposits
   • Contact information
6. Click Submit when complete
7. You'll be redirected back to Sergio - setup complete!

After connecting, configure your preferences:

1. Return to Settings > Payments
2. Enable your desired payment methods
3. Choose your default payment method:
   • Card (instant, higher fees)
   • ACH (slower, lower fees)
   • Customer Choice (let them decide)
4. Set minimum amounts for each method
5. Click Save

Enable online payments on invoices:

1. Go to Settings > Invoices
2. Find "Payment Options" section:
   • Enable Card Payments: Toggle on
   • Enable ACH Payments: Toggle on
   • Pay Button Text: Customize the button text
3. Click Save Changes

You have two options:

1. You absorb fees: Customer pays $150, you receive $145.35 (most common)
2. Pass fees to customer: Customer pays $154.65, you receive $150 (configure in Settings > Payments)

Recommendation: Encourage ACH for invoices over $200 to save on fees.

• Processing time: 2 business days after payment received
• Automatic deposits: Funds deposited to your bank automatically
• No action needed: Just wait for the money to arrive

1. Log in to your Stripe Dashboard (dashboard.stripe.com)
2. Go to Settings > Payouts
3. Choose your preferred schedule:
   • Daily: Every business day
   • Weekly: Every Monday (or custom day)
   • Monthly: First of each month
   • Manual: Only when you request
   • Instant: On-demand for 1.5% fee
4. Click Save

Need money right away? Instant payouts get funds to your debit card in minutes.

1. Go to your Stripe Dashboard
2. Add a debit card for instant payouts
3. Click Pay out instantly
4. Choose amount (minimum $1)
5. Confirm - funds arrive in minutes

Use case: Great for emergencies or when you need to purchase supplies.

Stripe has two modes for your account:

• Test Mode: Fake transactions, no real money moves
• Live Mode: Real transactions with real money

1. Create a test invoice in Sergio
2. Send to your own email
3. Open the payment link
4. Use Stripe's test card numbers:

   Card Number: 4242 4242 4242 4242

   Expiration: Any future date (e.g., 12/25)

   CVC: Any 3 digits (e.g., 123)

   ZIP: Any 5 digits (e.g., 12345)

5. Click Pay
6. Verify payment appears in Sergio
7. Check Stripe dashboard for the test transaction

1. Complete all testing in test mode
2. Go to Settings > Payments
3. Toggle Live Mode on
4. Stripe may require additional verification
5. Once approved, click Activate Live Payments
6. You're ready to accept real payments!

Tip: Start with a small real transaction to verify everything works.

Sergio + Stripe handles PCI compliance for you. Here's what that means:

• Card data never touches your servers: Goes directly to Stripe
• Encrypted connections: All data transferred via HTTPS/TLS
• Tokenization: Card details stored as secure tokens
• Regular audits: Stripe is PCI Level 1 certified

Stripe's built-in fraud protection includes:

• Radar: ML-powered fraud detection
• 3D Secure: Extra verification for suspicious transactions
• Address verification: AVS checks on all cards
• CVC validation: Required for all transactions

• Customer payment data is stored only by Stripe
• Sergio only stores transaction IDs and status
• You can delete customer data at any time
• Full GDPR and CCPA compliance

• Stripe Support: support.stripe.com for account/payout issues
• Sergio Support: support@sergio.app for integration questions
• Knowledge Base: docs.sergio.app/payments
• Phone Support: Available for Business and Enterprise tiers