Stripe card payments
On this page
Kartlo connects to Stripe so your shoppers can pay by card on your storefront. You open your own Stripe account through a short form that Stripe hosts. The money goes into your Stripe balance and is paid out to your bank by Stripe. Kartlo never sees or stores card numbers.
Stripe is one of several card options. If you prefer a gateway that is common in your country, such as Tap, Ziina or Network International, see Hosted payment gateways.
Before you start#
Stripe asks for the details any card processor needs. Have these ready:
- Your business details and an ID for the person who owns or runs the business.
- The bank account that should receive your payouts.
- Your store address and currency set correctly in SettingsStores.
Only store admins can connect a payment provider. Stripe picks the account country from your store address and the payout currency from your store currency.
Connect Stripe#
To connect your Stripe account:
- Open SettingsPayments from your desk.
- Under Card payments, find Stripe and click Set up card payments.
- Kartlo sends you to Stripe. Fill in Stripe's form with your business, identity and bank details.
- When you finish, Stripe sends you back to the Payments settings. Kartlo reads your status from Stripe straight away.
- If the status says Ready to accept cards, turn on the switch next to Stripe to offer it at checkout.
Check your status#
The Stripe card in SettingsPayments shows one plain status and the one button that moves you forward.
| Status | What it means | What to do |
|---|---|---|
| Card payments are switched off | No Stripe account is connected. | Set up card payments |
| Your details are not finished yet | You started the Stripe form but did not submit it. | Finish setup |
| More details are needed before you can take cards | Stripe needs more information before it allows charges. | Provide the missing details |
| Your store prices in one currency but your payout account settles in another | Store currency and payout currency differ. Cards stay off. | Change your store currency, or connect a Stripe account that settles in your store currency. |
| Ready to accept cards — payouts are on hold | Shoppers can pay, but Stripe holds the money until you add the remaining payout details. | Provide the missing details |
| Ready to accept cards | Everything is set. | Open my Stripe dashboard |
Stripe updates Kartlo on its own when your account changes. To read the latest status on demand, click Check again. The card shows when it last checked, which currency your prices are in, which currency you are paid out in, and whether the account is in test mode.
While the account is not ready, your checkout offers only the payment methods you handle yourself, such as cash on delivery.
What shoppers see#
When Stripe is ready and switched on, checkout shows a Card, Apple Pay or Google Pay option on the payment step. The card form sits inside your checkout. Apple Pay and Google Pay show up by themselves for shoppers whose device supports them.
- The shopper must give an email address to pay by card, because Stripe sends the receipt there.
- The order is created first and the card is charged for the exact total Kartlo worked out, including delivery.
- The order turns Paid when Stripe confirms the payment. Until then, the shopper's confirmation page says the payment is being confirmed.
- If the card is declined, the order stays unpaid and the shopper is told so.
Card checkout also depends on Card (Credit/Debit) being ticked in your payment methods list. See Cash on delivery and manual methods.
Card payments on the order#
Open the order and go to its Payments page. For a Stripe payment you see which provider took the money, the card brand and last four digits, the Stripe payment reference to quote if you contact Stripe, and the platform fee if one was charged.
If a shopper disputes a charge with their bank, the dispute appears on the order in red with the date your evidence is due. You answer disputes in your Stripe dashboard.
If Stripe reports a payment that is smaller than the order total, Kartlo records what actually arrived and the order shows as partly paid rather than paid.
Refunds#
Card refunds go back through Stripe. To refund a card payment:
- Click Open my Stripe dashboard in SettingsPayments.
- Find the payment and refund all or part of it in Stripe.
- Kartlo receives the refund from Stripe and adds it to the order. The order's payment status updates by itself.
For returns, restocking and refund records, see Returns and refunds.
Fees and payouts#
Stripe charges its own card processing fees and pays out to your bank on its own schedule. You see your balance, payouts and fees in your Stripe dashboard, not in Kartlo.
If a Kartlo platform fee applies to your store's card sales, the Payments settings show a Platform fee box with the exact rate. If there is no box, no platform fee is taken on your card sales.
To see what you are owed by customers and what money came in and out of your business, use the Finance module. See Finance and payouts.