Quote to PaidSee the product A practical guide to connecting Stripe and preparing online collection. General onboarding is not yet open; the current demo uses test payments.
Complete Stripe-hosted Connect onboarding with your business, identity and payout information. Stripe must approve your account, and platform live payments must be activated. Funds go to your own Stripe account; 24 Helpful takes no payment commission.
Online collection automatically adds the customer fees below. Review the shared contract and card-fee setting, permitted card types, your actual costs, required notices and state restrictions with Stripe or a lawyer. Account approval alone does not approve your surcharge policy.
Once activated and compliant, enable online collection for the quote. Preview the agreement, deposit and balance, fee disclosure, total and receipt before accepting a live payment. ACH is available only when enabled and supported by your Stripe account; initiation is not settlement.
When online collection is enabled, the workbench automatically adds a customer processing fee to each deposit or balance payment: card payments use the percentage stated in the service agreement; online ACH adds 0.8%, capped at $5 per payment. The workbench adds no fee for offline bank transfers (a bank may charge its own fees). These customer fees are not a 24 Helpful platform commission.
The percentage in the service agreement, added to the amount due. Only eligible credit cards may be surcharged; debit and prepaid cards must be excluded.
0.8% of the amount due, capped at $5 for each payment. For example: a $500 deposit adds $4; a $1,000 balance adds $5.
No processing fee added by the workbench. Any charges from the customer’s or merchant’s bank are separate.
The merchant chooses the card rate in Settings → Quote defaults → Card processing fee % (设置 → 报价默认值 → 银行卡手续费 %). The contract and checkout use the same rate. Bubble Cloud’s current setting is 3.5%; this is an existing configuration, not a recommended or compliant rate. It exceeds Visa’s 3% maximum and must be reviewed and adjusted before surcharging Visa credit cards. Changing the default affects new quotes; a previously sent agreement retains its recorded rate.
Customer fees and Stripe’s actual processing charges are different amounts. A customer fee is not a guarantee that the merchant receives an exact net amount after Stripe’s fees.
Check current requirements: Visa merchant surcharge guidance · Stripe US pricing. This guide is general information and needs legal review for your business.