Card payments and payouts
Connect your Stripe account, understand what each card payment costs, and see when the money reaches your bank.
Card payments go straight into your own Stripe account, and Stripe deposits them to your bank. PayperPlates never holds your money. This page covers connecting Stripe, what each payment costs, and where to watch your deposits.
Connect your Stripe account
Open Settings → Ordering & Payments and find Card payouts. Select Connect your Stripe account, then follow Stripe's steps. It takes about five minutes if you have your business and banking details handy.
Card checkout stays off until Stripe has finished setting up your account. The card shows where you are:
- Not connected: you haven't started yet.
- Needs more details: Stripe wants more information before you can take cards. Select the button to carry on where you left off.
- Verifying: Stripe is checking your details. This usually takes a few minutes.
- Connected: you can take card payments. Payout details live in your Stripe account.
If your restaurant is still being set up, your dashboard also shows a reminder until Stripe is connected.
What a card payment costs
Each online order pays one all-in rate, a percentage of the order plus 30¢. Card processing is already included. Part of that rate is Stripe's processing fee and the rest is the PayperPlates platform fee. The platform fee is never charged on tips. Your rate depends on your plan. See Your plan and billing.
The rate covers Canadian Visa and Mastercard. Amex and international cards cost more to process. They're off unless you turn them on, and on those orders the extra processing cost is yours. See Payment options.
When you get paid
Stripe pays your balance out to your bank account every week, on Mondays. You can follow each deposit in two places:
- Reports → Fees & payouts in PayperPlates shows card payments, refunds, Stripe processing fees, the PayperPlates fee, and each payout with its status: Scheduled, On its way, Deposited, Failed, or Cancelled. See Understanding your reports.
- Your Stripe dashboard has the full payout detail and your bank deposits.
Refunds and disputes
Refund card orders from PayperPlates. The money goes back to the customer's card, and the matching share of the PayperPlates fee is returned to you. See Refunds and cancellations.
If a customer disputes a charge with their bank, Stripe handles the dispute and charges its dispute fee. Disputes and their fees show up in Fees & payouts.