# Optional customer payments > Connect Stripe, agree a final total and offer secure payment without changing your trade account terms. Order requests, quotations and trade credit remain available on Free and Pro. Online payment is optional and switched off by default. Your subscription price and benefits stay the same. ## Set up payments The business owner opens **Settings → Customer payments**, reads and accepts the fee and refund terms, then opens Stripe’s hosted setup. This creates a supplier-owned Stripe account with full Stripe Dashboard access. Complete Stripe’s business verification and bank details, return to TradeCatalog and enable online payments. We record who accepted the terms, when, and which version they accepted. Where **Connect your existing Stripe account** is available, use it to authorise your existing independent Stripe account and preserve its Stripe payment agreement. This option needs platform OAuth setup. If it is not shown, contact support before creating another account. You remain the seller and are responsible for the goods, sales tax, invoicing, delivery, refunds and disputes. Payments are direct charges on your Stripe account, where your funds and Stripe fees are recorded. TradeCatalog subscription billing stays separate. Review Stripe Dashboard for outstanding account requirements, payouts and disputes. Stripe can restrict payment acceptance until requirements are resolved. ## Confirm an order total On an order, enter the **final goods total**, **tax to add**, **delivery to add** and a description of what is included. Reconcile any price-on-request items with the customer first. Use the agreed customer prices. If goods already include tax, add zero tax and explain the included tax in the description. Confirm that the amount includes everything due and that the customer has agreed the terms. We do not calculate tax from the catalogue’s tax wording or guess a price for an unpriced item. The confirmed total and currency are fixed. The original order lines and agreed price snapshot remain available. A confirmed payment request does not change an existing credit agreement. Tell the customer when a payment request is ready and share their existing order page. Payment-request emails are not sent automatically. The customer opens their signed-in order page, reviews the goods, tax and delivery total, approves the exact charge and completes Stripe-hosted Checkout. TradeCatalog never receives card details. An AI agent can help prepare an order request but cannot approve or execute a payment. Each supplier in a combined basket has a separate order and separate payment. ## Fees and rounding TradeCatalog deducts **0.5% of each successful payment** from supplier proceeds, in addition to the supplier’s own Stripe processing fees. There is no buyer surcharge, fee on an unpaid request or fee on a payment made outside TradeCatalog. This is our application fee, not an assumed revenue share from Stripe. The fee applies to the full charge, including goods, tax and delivery. All amounts use the currency’s minor units. We round the fee once to the nearest minor unit, with halves rounded up: `floor((charge × 50 + 5000) / 10000)`. A £100 payment incurs 50p; £1 incurs 1p. Very small charges can round to a zero platform fee. Stripe’s minimum and maximum charges still apply. Zero-decimal currencies keep their correct value, including Stripe’s special ISK and UGX representation. Online payment for three-decimal currencies is not available in this release; usual order and payment arrangements continue. At Stripe’s published standard UK card rate of 1.5% + 20p, a £100 payment costs £1.70 in Stripe fees plus 50p in TradeCatalog fees, leaving £97.80 before other adjustments. A £1,000 payment costs £15.20 plus £5, leaving £979.80. These examples exclude subscription charges and applicable taxes on fees. Different cards, countries, payment methods, currency conversion and negotiated agreements change Stripe’s cost. See [Stripe pricing](https://stripe.com/gb/pricing) and [Connect pricing](https://stripe.com/gb/connect/pricing). ## Failed, abandoned and delayed payments An unpaid order remains an order. Closing or returning from Checkout does not mark it paid. Refresh payment status on the order to check Stripe’s latest state. Reopening a live Checkout resumes the same payment attempt. After an expired or failed attempt, a fresh attempt can be opened. Delayed payment methods remain **Payment processing** until Stripe confirms success or failure. Never pay separately while a payment is processing. Only Stripe confirmation marks a payment received. Fulfilment statuses such as acknowledged or dispatched do not imply payment. A payment can also be partially refunded, fully refunded or disputed. Refresh status if a webhook is delayed. If a checkout creation remains unknown for 23 hours, contact support to reconcile it in Stripe before another payment is attempted. To cancel an unpaid request, use **Withdraw payment request**, which expires a live Checkout first. An order with a payment request must have that request withdrawn or its payment fully refunded before cancellation. Switching off new online payments does not cancel an existing Checkout or stop refunds and reconciliation. ## Refunds The owner can refund the full remaining payment to its original payment method from the order. For partial refunds, use Stripe Dashboard. Refunds are reflected after Stripe reconciliation and the buyer’s bank can take several days to return funds. A full refund returns the whole TradeCatalog platform fee. On a partial refund the platform fee is retained unless you also return it in Stripe; there is no automatic proportional platform fee refund. A later full refund returns any remaining platform fee. Stripe may retain its original processing or currency-conversion fees under your Stripe agreement. Refunds and disputes can affect your Stripe balance. ## Larger payment volumes The platform fee is £5 at £1,000 of successful monthly payments, £50 at £10,000, £500 at £100,000 and £2,500 at £500,000, before rounding, refunds and fee taxes. It is separate from Free or Pro and from Stripe fees. Suppliers with high volume should contact support for a written volume arrangement. No discount or cap applies automatically, and an existing agreement will not be replaced without consent.