Taking Payments & Payouts

We never take a cut of what you collect. Whichever provider you use, the money goes from your customer to an account in your name, and the only fee is that provider's own. We are not a party to the payment and we never hold it.

Everything on this page is free and included. There is no payments add-on, no per-transaction charge from us, and no plan that unlocks a better rate.

Everything lives under Settings → Payments. The providers are shown as a grid of tiles: each one says whether it is set up, and whether it is the one currently collecting.

Only one card provider collects at a time. You can have Stripe and Mollie both connected and switch between them, but a customer is only ever offered one "Pay now" button, so one of them has to be the answer. Switching to another provider turns the previous one off — the tile reads "Use instead" rather than "Use" when there is something to replace, because that is what the button does.

Direct debit is the exception and runs alongside whichever card provider is collecting. A mandate is standing authority to take money from a bank account rather than a checkout, so it is not competing for the same button.

The option for a business with no card processor of its own. We open a Stripe account in your name, Stripe verifies your business through its own hosted form, and payments settle into that account — which belongs to you, not to us.

If you already have Stripe, paste your own secret and publishable keys under Settings → Payments. Nothing changes about your account, your fees or your dashboard; the checkout is simply created on your keys.

Businesses already using their own keys stay exactly as they are. Nothing migrates anybody anywhere.

For businesses in the Netherlands and Belgium especially, where Mollie is the usual answer and iDEAL is how people pay. Connect it by pasting one API key from your Mollie dashboard.

The key itself decides the environment: one beginning test_ is Mollie's test mode, one beginning live_ is real money. There is no second switch to get wrong.

Which methods your customers are offered — iDEAL, Bancontact, cards and the rest — comes from your own Mollie profile rather than from us, so it is set where you already set it. The settings page lists what your profile currently offers, so you can see that it matches what you expect.

Cards and local methods across the EU, and among the cheapest card rates in several markets. Viva needs more from you than Mollie does, and that is Viva's arrangement rather than a long form for its own sake.

The one on this page that happens at a door rather than on a screen. A tech finishing a job at six in the evening opens the invoice on their phone, taps Card reader, and the customer presents a card on the SumUp reader already in the van.

For money that is owed again and again — maintenance plans especially. Rather than chasing a card that expires, the customer authorises their bank once and the collection happens on its own.

Every euro invoice carries a scannable QR code — the EPC standard that European banking apps already read. The customer points their phone at the invoice, their own bank app opens with your name, your IBAN, the amount and the invoice number already filled in, and they confirm.

There is no provider, no account, no fee and nothing to switch on: add your IBAN under Settings and the code appears on the invoice and in the portal. It is the bank details that were already printed at the foot of the invoice, made scannable.

Cash, a cheque, a transfer that landed in your bank — record a manual payment against any invoice from its detail page. Every payment, however it arrived, goes into the same ledger with its date, method and reference, so the invoice balance, the reports and the accounting export all agree with each other.

Refunds go back the way they came where the provider supports it, and are recorded as their own entry rather than by editing the original. Expenses, VAT & Profit covers where the money then shows up.

Invoices take a due date from the payment-terms preference under Settings, and an hourly sweep raises an invoice overdue event once per invoice when that date passes.

Nothing is sent unless you have written an automation rule for it. That is what makes it opt-in, and what stops a business that never asked for it from having its name on a message the customer gets daily — set the rule up under Automations. An invoice that is paid, voided or given a new due date is only chased again if it goes late again.