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Stripe Connect Integration

Enable online credit card and ACH payment processing for customer invoices

Stripe Connect Integration

Accept credit card and ACH bank transfer payments directly through DrillerDB using Stripe Connect. This integration enables customers to pay invoices online through the customer portal.

Quick Start: Enable Online Payments

  1. Go to Settings > Billing and find the Stripe Connect card
  2. Click Connect with Stripe
  3. Create new or use existing Stripe account
  4. Complete business verification
  5. Add bank account for payouts

DrillerDB adds a 0.2% platform fee to each online payment. Stripe's standard rates also apply: 2.9% + $0.30 for cards, and 0.8% (capped at $5) for bank transfers.

Step-by-Step Workflow

  1. Go to Settings > Billing and find the Stripe Connect card
  2. Click Connect with Stripe
  3. Create new or use existing Stripe account
  4. Complete business verification
  5. Add bank account for payouts

Setting Up Stripe

Creating a Stripe Account

If you don't have a Stripe account:

  1. Go to Settings > Billing and find the Stripe Connect card
  2. Click Connect with Stripe
  3. On Stripe's page, create a new Stripe account
  4. Enter your business information
  5. Provide bank account details for payouts
  6. Submit identity verification documents

Connecting Existing Account

If you already use Stripe:

  1. Go to Settings > Billing and find the Stripe Connect card
  2. Click Connect with Stripe
  3. On Stripe's page, sign in to your existing Stripe account
  4. Follow Stripe's prompts
  5. Authorize DrillerDB to process payments

Stripe Connect uses OAuth for secure authorization without sharing credentials.

Payment Methods

Credit Card Payments

Accept all major credit cards:

  • Visa
  • Mastercard
  • American Express
  • Discover

Credit card payments process instantly and funds are available within 2 business days.

ACH Bank Transfers

Enable ACH payments for bank-to-bank transfers:

  • Lower processing fees than credit cards
  • Customers enter bank account and routing numbers
  • Funds usually clear in 1 to 3 business days
  • Ideal for large invoice amounts

Turn on Accept Bank Account (ACH) payments under Payment methods on Settings > Billing. Bank payments also need to be enabled in your Stripe settings under Payment Methods.

Digital Wallets

Support modern payment methods:

  • Apple Pay
  • Google Pay
  • Automatically available when enabled in Stripe

Payment Processing

How Payments Work

When a customer pays an invoice:

  1. Customer receives invoice email with Pay Online link
  2. Customer portal displays invoice details and payment form
  3. Customer enters payment information
  4. Stripe securely processes the payment
  5. DrillerDB automatically marks invoice as paid
  6. If you use QuickBooks Online, record the payment there too unless payment sync is turned on for your connection

Payment Confirmation

After successful payment:

  • Customer receives email confirmation
  • Your team receives notification
  • Invoice status updates to "Paid"
  • Payment appears in payment tracking

Failed Payments

If a payment fails:

  • Customer sees error message with reason
  • No charges are applied
  • Customer can retry with different payment method
  • You receive notification of failed attempt

Fee Structure

Stripe Fees

Standard Stripe Connect fees:

  • Credit Cards: 2.9% + $0.30 per transaction
  • ACH Transfers: 0.8% (capped at $5.00)
  • International Cards: Additional 1.5%
  • Currency Conversion: 1%

Fees are deducted before funds reach your bank account.

DrillerDB Fees

DrillerDB adds a 0.2% platform fee to each online payment, on top of Stripe's standard rates.

Passing Fees to Customers

Option to add credit card processing fees to what the customer pays. It covers credit cards only, not bank transfers:

  • Turn on Pass credit card processing fees to customers under Payment Processing Fees in Settings > Invoicing & Tax
  • The fee DrillerDB adds is capped at 3% of the amount paid, and a lower state cap applies where there is one
  • A debit card is never charged a processing fee

State law can cap what you add, and can forbid it. Colorado caps a card surcharge at 2 percent (C.R.S. 5-2-212) and bans surcharging a debit card rather than capping it. When your company's state is set to Colorado, the card type is read when the customer clicks Pay, before the amount is fixed, on invoices and on deposits. A Colorado credit card pays the pass-through fee, capped at 2 percent. A debit card, or a card whose type cannot be read, pays no fee, and your company absorbs the processing fee on that payment. If the total changes after the card is read, the customer sees the new total and the statute text, and confirms before the charge. See Billing Settings for what the rules cost you and what they do not cover.

Payout Settings

Bank Account

Configure where payments are deposited:

  • Add bank account in Stripe dashboard
  • Verify account with micro-deposits
  • Set as default payout account
  • Support for multiple bank accounts

Payout Schedule

Choose when funds are transferred:

  • Daily - Automatic payouts every business day
  • Weekly - Payouts on specified day of week
  • Monthly - Payouts on specified day of month
  • Manual - Request payouts when needed

Most businesses use daily automatic payouts.

Payout Timing

Funds availability depends on business type:

  • Standard: 2 business days after payment
  • Instant Payouts: Available for eligible businesses (additional fee)
  • First Payouts: May take 7-10 days for new accounts

Security & Compliance

PCI Compliance

Stripe handles all PCI compliance requirements:

  • DrillerDB never stores credit card numbers
  • All payment data is tokenized
  • Stripe is PCI Level 1 certified
  • You remain compliant automatically

Fraud Prevention

Stripe provides built-in fraud detection:

  • Machine learning fraud scoring
  • Velocity checks for suspicious activity
  • Address verification (AVS)
  • Card security code (CVC) verification

Secure Payments

Customer payment data is protected:

  • 256-bit SSL encryption
  • Tokenization of sensitive data
  • 3D Secure for international transactions
  • No card data stored in DrillerDB

Stripe Dashboard

Accessing Stripe

View detailed payment data in Stripe:

  1. Go to Settings > Billing and find the Stripe Connect card
  2. Click Manage in Stripe Dashboard (shown once the card reads Connected)
  3. View transactions, customers, and payouts
  4. Access detailed analytics and reports

Stripe Reports

Stripe provides complete reporting:

  • Transaction history
  • Payout summaries
  • Fee breakdowns
  • Tax documents (1099-K)
  • Dispute and chargeback tracking

Disconnecting Stripe

The Stripe Connect card has no Disconnect button. To connect a different Stripe account or stop online payments, email support@drillerdb.com. The card shows Reconnect Stripe once the account is connected.

While Stripe is not connected, customers cannot pay online. Historical payment data remains in DrillerDB.

Troubleshooting

Payments not processing?

  • Verify Stripe connection is active
  • Check Stripe dashboard for holds or issues
  • Ensure invoice has Pay Online link

Payouts delayed?

  • New accounts may take 7-10 days for first payout
  • Check Stripe dashboard for payout status
  • Verify bank account is verified

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