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Stripe Integration

Tillage uses Stripe for secure payment processing. This guide covers setup, configuration, and how payments work.

Overview

Stripe powers all payment processing in Tillage:

  • Credit and debit card payments
  • ACH bank transfers
  • Saved payment methods
  • Automatic recurring billing

Setup Options

Free Plan: Stripe Express

Quick setup for new businesses:

  1. Go to Settings > Payments
  2. Click "Connect with Stripe"
  3. Complete Stripe's guided onboarding
  4. Verify your identity and business
  5. Add bank account for payouts
Takes about 5 minutes.

Premium Plan: Connect Existing Account

Link your existing Stripe account:

  1. Go to Settings > Payments
  2. Click "Connect Existing Account"
  3. Log into your Stripe account
  4. Authorize Tillage
  5. Start accepting payments immediately
Benefit: 0% Tillage platform fee (vs 1% on free plan)

Payment Methods

Credit and Debit Cards

Accept all major cards:

  • Visa
  • Mastercard
  • American Express
  • Discover
Fees: 2.9% + $0.30 per transaction

ACH Bank Transfers

Accept direct bank payments:

  • Lower fees than cards
  • Best for larger invoices
  • 1-3 business days to process
Fees: 0.8% capped at $5 per transaction

Apple Pay & Google Pay

Supported automatically when clients pay on mobile devices.

Fee Comparison

Payment MethodFeeOn $5,000 Invoice
Credit Card2.9% + $0.30$145.30
ACH0.8% (max $5)$5.00
Note: On the Free plan, add 1% Tillage fee to above.

Platform Fees

Free Plan

  • 1% Tillage platform fee
  • Plus Stripe processing fees
  • Paid from each transaction

Premium Plan

  • 0% Tillage platform fee
  • Only Stripe processing fees
  • $49/month subscription

Payouts

Schedule

  • Standard: 2 business days
  • Automatic daily payouts
  • Funds deposited to your bank

Viewing Payouts

  • In Tillage: Overview in dashboard
  • In Stripe: Full details in Stripe Dashboard

Convenience Fees (Premium)

Pass processing costs to clients:

Configuration

  1. Settings > Payments
  2. Enable "Convenience Fees"
  3. Set fee type:
    • Percentage (e.g., 3%)
    • Fixed amount (e.g., $5)
  4. Save settings

How It Works

  • Applies to credit card payments only
  • ACH payments remain fee-free
  • Client sees fee before paying
Example:
  • Invoice: $1,000
  • Convenience fee (3%): $30
  • Client pays: $1,030
  • You receive: ~$1,000 (after Stripe fees)

Per-Invoice Override

Set custom fees on specific invoices:

  1. Edit invoice
  2. Enable "Custom convenience fee"
  3. Set rate for this invoice
  4. Overrides team default

Saved Payment Methods

How Clients Save Methods

  1. Client pays an invoice
  2. Option to save payment method
  3. Stored securely by Stripe
  4. Available for future payments

Security

  • Tillage never stores card numbers
  • Tokenized by Stripe
  • PCI-compliant processing
  • Client can delete anytime

Automatic Payments

For Recurring Invoices

  1. Client saves payment method
  2. Client grants auto-pay consent
  3. Recurring invoices charge automatically
  4. Confirmations sent to both parties

Consent Levels

  • Never - Manual payments only
  • Recurring only - Auto-pay subscriptions
  • All invoices - Auto-pay everything

Safety Features

  • Maximum amount limit per invoice
  • Client controls consent settings
  • Can revoke anytime
  • Notifications before charging

Failed Payments

Automatic Retry

When a payment fails:

  1. First retry in 1 day
  2. Second retry in 3 days
  3. Third retry in 7 days
  4. Escalation if still failing

Notifications

  • You're notified of failures
  • Client prompted to update payment method
  • Invoice status reflects issue

Common Failure Reasons

  • Insufficient funds
  • Card expired
  • Card declined
  • Invalid account number (ACH)

Refunds

Processing Refunds

Refunds are handled through Stripe:

  1. Log into Stripe Dashboard
  2. Find the payment
  3. Click "Refund"
  4. Choose full or partial refund
  5. Confirm

In Tillage

  • Refund status syncs automatically
  • Invoice reflects refund
  • Payment history updated

International Payments

Supported Countries

Stripe available in 40+ countries. Tillage supports payments wherever Stripe operates.

Currency

  • Set your currency in Settings
  • Clients pay in your currency
  • Cross-border fees may apply

International Card Fees

Additional 1.5% for:

  • Cards issued outside your country
  • Currency conversion

Security

PCI Compliance

  • Stripe is PCI Level 1 certified
  • Tillage doesn't store card data
  • Secure payment forms by Stripe

Fraud Protection

  • Stripe Radar for fraud detection
  • 3D Secure for high-risk transactions
  • Machine learning fraud prevention

Encryption

  • All data encrypted in transit
  • HTTPS-only connections
  • Secure token-based payment links

Troubleshooting

"Stripe not connected"

  1. Go to Settings > Payments
  2. Check connection status
  3. Reconnect if needed

"Payment failed"

  • Check failure reason in Stripe Dashboard
  • Common: Card declined, expired, insufficient funds
  • Contact client to update payment method

"Payout delayed"

  • New accounts may have holds
  • Verify identity in Stripe Dashboard
  • Contact Stripe support if needed

Best Practices

  1. Enable ACH - Lower fees, better for large invoices
  2. Use convenience fees - Cover costs on cards
  3. Encourage saved methods - Faster recurring payments
  4. Monitor failed payments - Address quickly
  5. Verify payout account - Ensure funds reach you
Related: Payments | Pricing | Invoicing
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