Cómo funciona

Desconecte su negocio y comience a aceptar pagos en persona

Desde compañías de aviones privados hasta fontaneros, decenas de miles de empresas utilizan Pago para recibir pagos en cualquier moneda del mundo.

Paso 1

Descarga la aplicación

Descarga la aplicación de pago GRATIS para la plataforma de tu dispositivo. Funciona con iOS y Android.

Paso 2

Conecta tu cuenta de Stripe

Conecte su cuenta de Stripe y comience a cobrar a los clientes en menos de 30 segundos. Sin cuotas mensuales ni mínimos.

¿No tienes una cuenta de Stripe? Sin preocupaciones. Es increíblemente fácil de configurar y gratis para crear una cuenta.

Crear cuenta de Stripe
Paso 3

¡Acepta pagos!

Payment se creó para ser la extensión más simple de sus herramientas Stripe en línea. Puede personalizarse para adaptarse a sus necesidades, pero en última instancia, la aplicación tiene como objetivo adaptarse perfectamente a cualquier flujo de trabajo.

Lector de tarjetas

Combine Stripe Terminal (BBPOS Chipper 2X BT) con la aplicación de pago para potenciar su punto de venta.

Pedir lector de tarjetas
Entrada manual

¿No quieres usar un lector de tarjetas? No hay problema. Siempre puede ingresar manualmente un número de tarjeta, sin cargo adicional.

Escaneo en vivo

¿Estás cansado de escribir números de tarjetas? Utilice la cámara de su dispositivo para escanear los números de la tarjeta directamente en la aplicación.

Paso 4

Cobra

Se aplican los cronogramas normales de pagos de Stripe, que suelen ser depósitos continuos de 2 días. Stripe también ofrece pagos instantáneos a una tarjeta de débito para cuentas Connect específicas.

$200M+

procesado para más de 70.000 clientes satisfechos

The complete guide to Stripe Payouts

Stripe supports flexible payout schedules, including instant payouts in minutes.

Stripe's default setup to receive funds is by making payouts to your bank account. There are a number of ways you can adjust the timing of these payments to best fit your business' needs. In addition, there are several factors to the timing and cadence of these payouts, including:

  • Industry
  • Country
  • Recency of Stripe account
  • Other risks
First Payout

In most cases, your first payout from Stripe will be received in your bank account between 7-14 days from your first successful payment. The first payout generally takes longer than subsequent payouts, as this time period is used by Stripe to determine the validity and establish your Stripe account.

In other cases, depending on the status of your account, your payout may arrive within 2 business days.

Subsequent and Future Payouts

Once your Stripe account has been verified and establishes history with Stripe, you will begin receiving your payouts on an automatic daily rolling basis, if you choose to have automatic payments applied in that manner. There are several other ways you can choose to have payouts happen, including:

  • Daily
  • Weekly
  • Monthly
  • Custom
  • Manually

Depending on the option you choose, your payments will be bundled together and deposited based on the cadence above. In addition, depending on the agreement with your bank, it may be beneficial to adjust your payout schedule, in the event you receive any type of fee for receiving ACH transfers.

By choosing manual payouts, your Stripe balance will continue to grow and adjust until you decide to transfer the balance to your bank account. In this instance, think of Stripe as another checking account, which will hold your funds until you are ready to receive them. Oftentimes, businesses will use this avenue when making changes to their own banking system, or saving for future expenses.

Instant Payouts

Stripe offers an option for Instant Payouts to many businesses in the US, Canada and Singapore. You will need to check your eligibility, as not all accounts are eligible. This allows companies to receive funds within minutes to an eligible debit card, 24x7, including nights, weekends and holidays. An additional fee applies of 1% of the payout amount. Daily payout limits may also apply.

Held in Reserve

In some circumstances, Stripe may hold funds in your Stripe Balance “in reserve”. These reserved funds are used to prevent negative balances due to disputes and fraud on your Stripe account. Most of these reserve holds are temporary, and will become available within the next 45-180 days. This can be very troublesome for businesses who rely on that cash flow to operate, so make sure that your Stripe account is verified by providing as much documentation as requested.

Some of the reasons your funds may be held in reserve included, but are not limited to:

  • Additional insight required to determine your normal charge behavior
  • Your Stripe account is experiencing high chargeback or dispute rates
  • Your business operates in a high risk industry
  • Your business collects funds far in advance of delivery of goods or services
Removing a Reserve

Unfortunately, Stripe has full jurisdiction over when to remove a reserve once they have been placed. However, if you believe the reserve has been applied in error, you should reach out to Stripe Support's team by replying to the notification email you received. From there, you may be asked to provide additional information and documentation to assist with removal of the reserve.

Account Verification

Stripe may require several pieces of documentation before they are able to verify your account. This information may include several details about the business, like type, address and tax identification numbers. In addition, other details may be required of owners and representatives of the company, like the last four of a social security number in the US.

More information about account verification can be found here: Blog: Stripe Account Verification

Which payment methods are supported?

The Payment for Stripe app supports all major credit cards as well as Apple Pay and Google Pay.

Payment for Stripe is the most utilized and trusted point of sale app on the market serving over 60,000 customers all around the globe. The Payment App provides an intuitive dashboard and seamless gateway for businesses to charge customers within 30 seconds or less. Officially partnered with Stripe, the app includes various payment methods and can receive funds in 137 different currencies.

Stripe has disintegrated tedious contractual and operational relationships with the payment scheme, eliminating weeks of review and negotiation. Consumers, paired with Stripe, now have the freedom to smoothly pay for services their way, such as traditional eCommerce, subscription, SaaS and mountains of digital goods.

The Payment App massively extends the features of Stripe payment methods by giving merchants an easy way to charge in-person and online. This article will cover the different payment methods available within the Payment App and when using Stripe services.

Stripe Payment Methods Used by the Payment App

While using the Payment App users can charge for goods and services with the following payment options:

  • AMEX
  • Visa
  • Mastercard
  • Discover
  • Diners Club
  • Maestro
  • JCB
  • Discover
  • Apple Pay
  • Google Pay

Each option is fully supported by tapping, sliding, inserting, and manual entry using either the Payment app or BBPOS Chipper 2X BT-a Bluetooth card reader that's PCI and EMV certified. Merchants can track each transaction on their application, email receipts, build their customer list, and fully integrate with any other Stripe payment taken on any platform.

Here are supported payment methods when using the Payment App:

Apple Pay

Apple, a mogul of the technology industry, released Apple Pay in 2014. Upon release, they intended to banish physical wallets for good. Consumers can store and utilize credit and debit cards within the app for frictionless payments. This contactless technology allows users to make payments through profiles set up on their iPhone, iPad, Mac OS, and Apple Watch.

The real benefit when completing transactions through Apple Pay lies in the security features. The application morphs any card stored into a unique card identity stored in Apple's "secure element." Once called upon for a transaction, it renders a unique identification code, followed by one-touch authentication and biometric face or touch ID.

Growing popularity for digital wallets and cardless technology makes Apple Pay essential for businesses to carry as a payment method. Apple Pay is now available in 33 different countries with thousands of supporting banks.

Payment for Stripe readily charges and accepts Apple Pay online and in-person with options like tap-to-pay and PCI compliant card readers.

Debit and Credit Cards

Cards dominate the global marketplace as a form of payment. Banks and other providers offer credit and debit cards such as American Express, Visa, Mastercard, JCB, Diners Club, UnionPay, Maestro and Discover. All of these are accepted on the Payment for Stripe app and card reader, but there's a difference between credit and debit:

  • Debit cards are linked to a bank account and require proper funds for each transaction.
  • Credit cards operate under a "promise to pay" system, which accrues interest if new debt isn't settled within the designated grace period.

Nearly all merchants allow the option to pay-by-card, but some use POS systems running on a different payment platform. Using Payment for Stripe will enable you to take card payments in person, online, and on-the-go, siphoning all business income into one simple account.

Regardless of what cards you're using, a study commissioned by JP Morgan Chase noted only 16 percent of consumers have ever used digital wallets, and only 25 percent of small businesses even accepted these payments. These findings illustrate the slow adoption to these technologies by consumers, making cards imperative for the present and near future transactions.

Google Pay

Google Pay is a digital wallet that allows users to store and pay with cards or bank accounts linked to Google Pay. Every user has access to their funds by selecting Google Pay and using their stored payment of choice. Security features include the use of a "virtual account number," which is shared with merchants upon payment instead of the actual credit or debit cards associated with the user's account.

Customers can deploy this virtual pocketbook to complete fast and secure transactions on the Payment for Stripe App, in-person card readers, online eCommerce stores, and even when sending money through Gmail.

Google Pay's goal is to create the best user and merchant experience utilizing its frictionless payment system, decreasing checkout time, and increasing merchant conversions. The platform's worldwide expansion between 2018 and 2020 is forecasted to increase by 61 million users, putting the total at 100 million.

Learn more about how to collect payments with Stripe: Payment for Stripe Guides