# Payment Processing

Tillage integrates with Stripe to accept credit cards and bank transfers. Collect payments faster with one-click payment links and automated recurring billing.

## Payment Methods

### Credit and Debit Cards

Accept all major cards:
- Visa
- Mastercard
- American Express
- Discover

**Processing fees:** 2.9% + $0.30 per transaction

### ACH Bank Transfers

Accept direct bank payments:
- Lower processing fees
- Higher success rates for large payments
- 1-3 business days to process

**Processing fees:** 0.8% capped at $5 per transaction

**Example:** For a $10,000 invoice, ACH fees are just $5 vs $290 for credit card.

### Apple Pay & Google Pay

Available when paying on mobile devices via Stripe.

## Setting Up Payments

### Connect Your Stripe Account

1. Go to Settings > Payments
2. Click "Connect with Stripe"
3. Complete Stripe's onboarding (about 5 minutes)
4. Start accepting payments

### For Free Plan Users

Tillage creates a Stripe Express account for you:
- Quick setup process
- 1% platform fee on payments
- Daily payouts to your bank

### For Premium Plan Users

Connect your existing Stripe account:
- 0% platform fee
- Full Stripe dashboard access
- Funds go directly to your account

## One-Click Payment Links

Every invoice includes a secure payment link:

1. **Client receives invoice email**
2. **Clicks "Pay Invoice"**
3. **Selects payment method** (card or bank)
4. **Enters payment details** (or uses saved method)
5. **Confirms payment**
6. **Receives confirmation**

No login required. Works on desktop and mobile.

## Convenience Fees (Premium)

Pass processing costs to your clients:

### How It Works

1. Enable in Settings > Payments
2. Set fee type (percentage or fixed)
3. Configure rate (e.g., 3%)
4. Client sees fee added to their total

### Configuration Options

- **Team-wide setting** - Apply to all invoices
- **Per-invoice override** - Custom fee for specific invoices
- **Card-only** - ACH payments are fee-free (lower cost anyway)

### Client Experience

Client sees before paying:
```
Invoice Amount: $5,000.00
Processing Fee (3%): $150.00
Total Due: $5,150.00
```

## Saved Payment Methods

Clients can save payment methods for faster checkout:

### For Clients

- Save credit/debit cards securely
- Save bank accounts for ACH
- Choose default payment method
- Update or remove methods anytime

### Security

- Payment data stored securely by Stripe
- PCI-compliant processing
- Tillage never sees full card numbers
- Consent tracking for saved methods

## Automatic Payments

For recurring invoices, enable automatic charging:

### Client Consent Levels

- **Never** - Manual payment only
- **Recurring only** - Auto-pay subscriptions
- **All invoices** - Auto-pay everything

### Safety Features

- Maximum amount per invoice limit
- Client controls their consent level
- Can revoke anytime
- Notification before charging

## Payment Retry

When automatic payments fail:

### Automatic Retry

- Retries failed payments automatically
- Configurable retry attempts (default: 3)
- Increasing wait time between retries
- Notification on retry success

### Escalation

After max retries:
- Invoice marked for manual intervention
- Team notified via email
- Client prompted to update payment method

## Payment Status

Track payment progress:

- **Pending** - Payment initiated
- **Processing** - ACH payment in transit (1-3 days)
- **Succeeded** - Payment complete
- **Failed** - Payment declined or error

## Fees and Payouts

### What You Pay

**Free Plan:**
- Stripe fees: 2.9% + $0.30 (card) or 0.8% capped at $5 (ACH)
- Tillage fee: 1% of payment

**Premium Plan:**
- Stripe fees: 2.9% + $0.30 (card) or 0.8% capped at $5 (ACH)
- Tillage fee: 0%

### Payout Schedule

- Standard: 2 business days
- Automatic daily payouts
- View pending payouts in Stripe dashboard

## Payment Notifications

### For Your Team

Get notified when:
- Payment is received
- Payment fails
- Client views invoice
- Invoice becomes overdue

Configure notifications in Settings > Notifications.

### For Clients

Clients receive:
- Invoice email with payment link
- Payment confirmation receipt
- Reminder emails (if configured)

## Manual Payment Recording

Record offline payments:

1. Open the invoice
2. Click "Mark as Paid"
3. Select payment method (check, cash, wire, etc.)
4. Enter payment date
5. Add optional notes

Invoice updates to Paid status.

## Refunds

Process refunds through Stripe:

1. Log into Stripe Dashboard
2. Find the payment
3. Issue full or partial refund
4. Tillage syncs the status

## International Payments

### Supported Currencies

Tillage supports multiple currencies:
- USD, EUR, GBP, CAD, AUD, and more
- Set in Settings > Business

### International Card Fees

Additional 1.5% for cross-border transactions (Stripe fee).

## Security

### PCI Compliance

- All payment data handled by Stripe
- Tillage is PCI-compliant
- No card numbers stored on Tillage servers

### Encryption

- Secure connections (HTTPS)
- Encrypted data transmission
- Secure token-based payment links

### Fraud Protection

- Stripe's built-in fraud detection
- 3D Secure support for high-risk transactions
- Suspicious activity monitoring

---

*Related: [Stripe Integration](/llms/integrations/stripe.txt) | [Invoicing](/llms/features/invoicing.txt) | [Billing FAQ](/llms/faq/billing.txt)*