Question 1

How much does it cost to use your app? (Fees)

Accepted Answer

The Charge for Stripe app is free to download from Google Play or the Apple App Store and there are no setup fees, monthly fees, minimum amounts or subscription fees.

When a transaction is processed using Charge for Stripe, a 20c USD fee (or similar amount converted to other currencies – see full fee list below) will be applied per transaction, in addition to the applicable Stripe fees, which vary from country to country and can be found at https://stripe.com/pricing. If you never process any payments via the app and only use it for tracking your Stripe account transactions, that’s completely free.

As there are no setup or ongoing monthly fees with Stripe or with our app, Charge for Stripe, you only pay fees when you actually make sales, which we think is the way it should be. We hope you’ll agree Charge for Stripe is a convenient, cost-effective way of processing payments on the go, especially when compared to other offerings, many of which charge a % of the sale amount or on-going subscription fees, both of which add up very quickly.

Here’s an example: the fees in Australia are currently (as of May 1, 2018) 1.75% + $0.30 for domestic cards. So for a $100 transaction, this is what the fees would look like:

Sale amount: $100 Stripe fees: $1.75 + $0.30 = $2.05 Charge for Stripe fees: $0.20 Tota

Question 2

Do your apps support SCA (Strong Customer Authentication)?

Accepted Answer

Yes, both the Android and iOS versions of Charge for Stripe support the SCA requirements that take effect from September 14th, 2019. You can read more about this below or here.

You can also verify this by checking out our listing on the Stripe Partners page which includes the 'SCA-Ready' badge at https://stripe.com/partners/charge-for-stripe (FYI, we were the first mobile payment app listed to be SCA-certified)

To find out which other mobile payment apps are SCA-Ready, please have a look at the official list on the Stripe website at https://stripe.com/partners/apps-and-extensions?n=mobile-payments&sort=sca-ready. As of September 8th, Charge for Stripe is still the only one that is SCA-Ready ;-)

About SCA Strong Customer Authentication (SCA) is a new European regulatory requirement to reduce fraud and make online payments more secure. Once SCA goes into effect on September 14, 2019, online payments will require additional customer authentication. Transactions that don’t adhere to the new guidelines may be declined by your customers’ banks. This regulation applies to transactions where both the business and the cardholder’s bank are located in the European Economic Area (EEA).

*How SCA may impact your business

Question 3

Do you support card readers? How about NFC?

Accepted Answer

Charge for Stripe supports NFC and we believe this is the most convenient way to capture card details for processing charges. Tapping the customer’s card to the back of your device will make the card number and expiry appear in the app so you simply enter the CCV number and the amount (and e-mail address if you want to send a receipt) and click “Charge Card” and it’s done.

If your device or the customer’s card doesn’t support NFC, you can simply enter the card details manually or click the camera icon to take a photo of the card to capture the details that way. With all of these methods, none of the card information is ever stored on your device.

As for card readers, we don’t support them and have no plans to add support for them in the future, as we feel they are clunky, can get broken, lost and are unnecessary. Having said that, some card readers may work with Charge for Stripe, we just can't guarantee that or offer any recommendations.

Question 4

When do I get paid? When are payouts processed?

Accepted Answer

Once you’ve made your first charges with Stripe, your first payout will be initiated, and should post within seven days. Thereafter, all US-based merchants will receive payouts on a rolling two-day schedule.

Payout schedules vary slightly for merchants outside of the US. See your country’s payout schedule

You can link your bank account, and set the frequency of these payouts, in your Stripe Dashboard’s Balance page. From there, you can also view all payouts from Stripe to your bank account. To learn more, visit Stripe’s documentation on Receiving Payouts.

Question 5

What is terminal mode?

Accepted Answer

Terminal mode was developed as a result of user input and works to allow account holders to limit access to users. Here’s how to use Terminal Mode:

Go to ‘Settings’ and select ‘Terminal Mode’ Enter a code which will allow you to exit terminal mode. The device will now be in terminal mode which only allows access to the payment screen. This is perfect for times when you want to allow staff to process payments but not access Dashboard data or process refunds.

To exit terminal mode simply tap the padlock icon in the header and enter to the pin code set (as mentioned above) to return to normal access mode with full functionality.

Question 6

What is a ‘Pre-authorized payment’ ?

Accepted Answer

Pre-authorized payments allow users to put a hold on a credit card for a certain amount, without actually processing the payment, just like hotels and hire car operators do.

After completing a pre-authorized payment, you have 7 days to process or cancel the payment, otherwise it will automatically be cancelled after 7 days.

To process a pre-authorized payment:

Tap the “+” icon and select “Pre-authorized Payment”
Enter the amount and card details etc and tap “Charge Card”

To proceed with processing this payment, simply tap the payment in the list of payments and tap “Process” and the enter the amount you would like to process (less than or up to the initial amount pre-authorized) and amount will be charged to the customer's card.

To cancel this pre-authorized payment, simply tap the payment in the list of payments and tap the menu icon in the top right corner and select ‘Cancel’.

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