Payment Processing & E-Commerce Integration

No. Stripe, PayPal, and PayPal Enterprise Payments all have no setup fees, no monthly fees, and no minimum processing requirements. You pay them only when you process a transaction. Our own fees are the one-time integration fees shown in the pricing section, for the integration work.

You do, always. You sign up under your own business, your own bank account, and your own tax identification, and then grant us team access to do the work. We never hold your banking credentials or your passwords, and you can remove our access at any moment without touching your payment flow.

Yes, for PayPal Checkout. A personal PayPal account will not accept commercial payments through a website checkout. PayPal Enterprise Payments is a separate application with its own underwriting review, it is not an upgrade toggle on an existing PayPal account, and approval is not instant. We will tell you what the application asks for before you start.

Not on one platform. Cash App Pay is available only through Stripe; Venmo is available only through PayPal and PayPal Enterprise Payments. Accepting both means running two processors in parallel, with two dashboards, two payout schedules, and two sets of reconciliation. That is a real project rather than an add-on, and we scope it separately. In most cases one of the two is clearly the right fit for a given customer base.

The platform deducts its fee from each transaction before the money reaches you. We do not mark it up and we do not collect it. If you would rather not absorb that cost, there are two approaches. The simplest is to build the expected fee into your published prices: invisible to customers, no compliance exposure, and it works on every payment method. The alternative is a customer-facing fee added at checkout, which both Stripe and PayPal can support technically. That second route is regulated. What such a fee may be called, how large it may be, whether it may be applied to debit cards, and whether it is permitted at all depends on your state and on card network rules, and the requirements differ between platforms. We will build it for you, but confirm the structure and the exact wording with your attorney before you turn it on. We are not able to give legal advice on this point.

Because it behaves differently from a card. Enabling Apple Pay or Venmo is largely configuration. ACH means verifying that the customer owns the bank account, collecting an authorization, handling payments that settle over several business days rather than confirming instantly, and catching payments that fail after the fact when an account is closed or short. On PayPal Enterprise Payments it also requires a custom checkout build, because ACH is not available in their standard drop-in interface. The payoff is the rate: on the same payment, ACH costs a fraction of what a card does.

No. Link is Stripe's own wallet, closer to Apple Pay than to a buy now pay later product. Nothing is borrowed. Customers who saved a card or bank account at any other Stripe business can check out on your site with an email and a code instead of typing card details. It comes with your Stripe integration at no extra charge, and its Instant Bank Payments option runs slightly below the standard card rate while still settling on the card timeline.

Yes. Add-on pricing applies at the rates shown in the pricing section, and most wallets can be enabled without disturbing your live checkout. Moving between platforms later is a bigger job, which is why we spend time on the platform decision up front.

Card and wallet payments typically settle to your bank within a couple of business days once your account is established, though every platform holds initial payouts a little longer while it verifies a new merchant. ACH payments take longer and can be returned after they appear to have succeeded, which is why we build a failure path into every ACH integration.