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Payment Management & Stripe Connect

Configure payment processing for your location with Stripe Connect integration. Accept credit cards, debit cards, digital wallets, and manage all payment settings in one place.

Overview​

SSP Manager uses Stripe Connect for secure, reliable payment processing:

Supported Payment Methods:

  • 💳 Credit & Debit Cards (Visa, Mastercard, Amex, Discover)
  • 📱 Digital Wallets (Apple Pay, Google Pay)
  • 💵 Cash (tracked, not processed through Stripe)
  • 🎟️ Gift Cards & Store Credit
  • 📧 Email Invoicing

Key Benefits:

  • 🔒 PCI-compliant security
  • ⚡ Fast deposits (2 business days)
  • 💰 Competitive rates
  • 🌍 Multi-currency support
  • 📊 Detailed reporting

Accessing Payment Management​

Navigation Prerequisite

You must first navigate to a specific restaurant location to access Payment Setup. If you signed up as a single restaurant, you'll land directly at your location. For restaurant groups/chains, select your location from the Group/Chain Dashboard first.

Navigation Path: [Your Location] → Settings → Payment Setup

URL Pattern: /locations/{location-id}/manage-payment

Required Permission: Owner or Manager role

Step-by-Step Access​

  1. Navigate to your restaurant location (if using a Group/Chain, select it from the dashboard)
  2. In the sidebar, click Settings to expand the settings menu
  3. Click Payment Setup

Connecting Stripe Account​

First-Time Setup​

If you haven't connected Stripe yet:

  1. Go to Manage Payment
  2. Click Connect with Stripe button
  3. Choose your setup path:

Option A: New Stripe Account​

  1. Click Create Stripe Account
  2. Enter business information:
    • Business Type: Individual, Company, Non-profit
    • Legal Business Name
    • Business Address
    • Business Phone
    • Industry: Food & Beverage / Restaurant
  3. Enter personal information (for verification):
    • Full Name
    • Date of Birth
    • Social Security Number (SSN) or EIN
    • Home Address
  4. Add bank account:
    • Bank Name
    • Routing Number
    • Account Number
    • Account Type: Checking or Savings
  5. Review and accept Stripe terms
  6. Click Submit for Verification

Option B: Existing Stripe Account​

  1. Click Sign In to Stripe
  2. Enter Stripe credentials
  3. Authorize SSP Manager to access your account
  4. Select the Stripe account to connect (if you have multiple)
  5. Confirm connection
Recommendation

If you already use Stripe for another business, you can connect that account or create a separate one for your restaurant. Separate accounts provide clearer reporting.

Verification Process​

What Happens After Submission:

  1. Immediate (Usually):

    • Account created
    • Can process test transactions
    • Real transactions pending verification

  2. Within 24 Hours (Typically):

    • Identity verification complete
    • Bank account verified (micro-deposits or instant verification)
    • Limited processing enabled

  3. Within 2-3 Business Days:

    • Full verification complete
    • No transaction limits
    • Payouts enabled

Verification Methods:

  • Instant Verification: Link bank account via Plaid (instant)
  • Micro-Deposits: Stripe deposits small amounts, you confirm (2-3 days)
  • Identity Verification: May require photo ID upload
Verification Status

Check verification status at any time: Manage Payment → Stripe Status

Payment Settings​

Accepted Payment Methods​

Configure which payment methods to accept:

  1. Go to Manage Payment → Payment Methods
  2. Toggle payment methods on/off:

Card Payments:

  • ✅ Visa
  • ✅ Mastercard
  • ✅ American Express (+2% higher processing fee)
  • ✅ Discover
  • ✅ Diners Club
  • ✅ JCB

Digital Wallets:

  • ✅ Apple Pay
  • ✅ Google Pay
  • ✅ Samsung Pay

Alternative Methods:

  • ✅ Cash (tracked in POS, not processed by Stripe)
  • ✅ Check (manual processing)
  • ✅ Gift Cards (requires gift card program)
  • ✅ House Account (customer billing)

Recommended: Enable all card types and digital wallets for maximum customer convenience.

Transaction Fees​

Standard Stripe Rates:

  • Card Present (in-person with Stripe Terminal): 2.7% + $0.05 per transaction
  • Card Not Present (online/phone): 2.9% + $0.30 per transaction
  • Manually Entered Cards: 3.4% + $0.30 per transaction
  • International Cards: Additional 1.5% fee
  • Currency Conversion: 1% fee

SSP Manager Fees:

  • Platform fee: Varies by plan (see subscription details)
  • No additional transaction fees from SSP Manager
  • All Stripe fees passed through at cost

Volume Discounts:

  • Contact support for custom pricing at $100k+ monthly volume
  • Enterprise plans include negotiated rates

Currency Settings​

Primary Currency:

  • Set your default currency (USD, EUR, GBP, etc.)
  • All prices displayed in this currency
  • Stripe converts foreign cards automatically

Multi-Currency (Enterprise only):

  • Accept payments in multiple currencies
  • Dynamic currency conversion
  • Automatic exchange rates

Setup:

  1. Manage Payment → Currency Settings
  2. Select Primary Currency
  3. Enable Accept Foreign Cards
  4. Configure Currency Conversion (if available)

Payment Processing​

Testing Payments​

Before going live, test payment processing:

  1. Go to Manage Payment → Test Mode
  2. Toggle Test Mode ON
  3. Use Stripe test cards:
    • Success: 4242 4242 4242 4242
    • Decline: 4000 0000 0000 0002
    • Requires 3D Secure: 4000 0027 6000 3184
    • Any future expiration date
    • Any 3-digit CVC
  4. Process test transactions
  5. Verify receipt printing
  6. Check transaction appears in reports
  7. Toggle Test Mode OFF when ready for real transactions
Important

Test mode transactions do NOT process real money and will not appear in your bank account. They're for testing only.

Processing Payments​

In-Person (Card Present):

  1. Customer orders placed
  2. Calculate total with tax
  3. Select payment method
  4. Tap/insert/swipe card on terminal
  5. Customer signs if required
  6. Print/email receipt
  7. Payment complete

Phone/Online Orders (Card Not Present):

  1. Order entered in system
  2. Manual card entry:
    • Card number
    • Expiration date
    • CVV
    • ZIP code
  3. Process payment
  4. Email receipt to customer

Tipping:

  • Customer adds tip before payment
  • Or adjust tip after payment (card present only)
  • Tip percentage presets configurable

Learn more about Tipping Configuration

Payouts and Deposits​

Payout Schedule​

Standard Schedule:

  • Daily Payouts: Funds transferred every business day
  • Delay: 2 business days from transaction
  • Example: Monday sale → Wednesday deposit

Weekly Payouts:

  • Choose a day of the week
  • All week's transactions deposited on chosen day
  • Longer wait but fewer transactions in bank statement

Monthly Payouts:

  • First business day of each month
  • All previous month's transactions
  • Simplest for accounting

Configure: Manage Payment → Payout Settings → Payout Schedule

Viewing Payouts​

Payout History:

  1. Go to Manage Payment → Payouts tab
  2. View all payouts:
    • Payout date
    • Amount
    • Status (Pending, Paid, Failed)
    • Transactions included
    • Bank account (last 4 digits)
  3. Click payout for details
  4. Export to CSV for accounting

Payout Statuses:

  • Pending: Stripe preparing transfer
  • In Transit: Sent to bank, awaiting deposit
  • Paid: Successfully deposited
  • Failed: Bank rejected (contact support)

Bank Account Management​

Updating Bank Account:

  1. Manage Payment → Bank Accounts
  2. Click Add Bank Account
  3. Enter new account details
  4. Verify via micro-deposits or instant verification
  5. Set as Default Payout Account
  6. Old account remains as backup

Multiple Bank Accounts:

  • Add multiple accounts
  • Route different locations to different accounts
  • Backup account in case primary fails
Best Practice

Keep at least one backup bank account configured. If your primary account has issues, Stripe can auto-switch to avoid payout delays.

Refunds and Disputes​

Processing Refunds​

Full Refund:

  1. Find order in order history
  2. Click Refund
  3. Confirm refund amount (full total)
  4. Add refund reason (optional)
  5. Click Process Refund
  6. Funds returned to customer in 5-10 business days
  7. You receive refund of Stripe fees

Partial Refund:

  1. Find order
  2. Click Partial Refund
  3. Enter refund amount
  4. Select items being refunded
  5. Add reason
  6. Process refund

Refund Timeline:

  • You: Instant refund processed
  • Customer: 5-10 business days to see credit
  • Stripe Fees: Refunded to you, no cost for refunds

Refund Limits:

  • Full refund: Anytime
  • Partial refund: Anytime
  • Refund after payout: Charged back to your account
  • Max refund: Original transaction amount

Dispute Management​

What is a Dispute? Customer contacts their bank to dispute a charge (chargeback).

When Disputes Occur:

  • Customer doesn't recognize charge
  • Unsatisfied with service
  • Didn't receive order
  • Fraud

Dispute Process:

  1. Stripe notifies you of dispute
  2. You receive email and dashboard notification
  3. $15 dispute fee charged (non-refundable)
  4. You have 7-21 days to respond (varies by card network)
  5. Submit evidence:
    • Receipt
    • Order details
    • Proof of delivery
    • Customer communications
  6. Bank reviews evidence
  7. Bank decides:
    • You Win: Funds returned, you keep payment
    • Customer Wins: Customer keeps money, you lose sale + dispute fee

Preventing Disputes:

  • Clear business name on statements
  • Accurate descriptions
  • Excellent customer service
  • Get signatures for large orders
  • Prompt refunds when appropriate

Managing Disputes: Manage Payment → Disputes tab

Tipping Settings​

Configuring Tips​

Tip Options:

  1. Manage Payment → Tipping
  2. Enable/disable tipping
  3. Set tip suggestion percentages:
    • Option 1: 15%
    • Option 2: 18%
    • Option 3: 20%
    • Option 4: Custom amount
  4. Choose tip timing:
    • Before Payment: Customer tips before paying
    • After Payment: On receipt (card present only)
  5. Choose display:
    • Percentage-based
    • Dollar amount suggestions
    • Both

Tip Pooling:

  • Track tips per server
  • Pool tips for distribution
  • Export tip reports for payroll

Automatic Gratuity:

  • Enable for parties of 6+ (configurable)
  • Set percentage (typically 18%)
  • Clearly disclosed to customer
  • Can be removed by manager if requested

Tip Adjustment​

Adjusting Tips After Payment:

  1. Find order in order history
  2. Click Adjust Tip
  3. Enter new tip amount
  4. Add adjustment reason
  5. Confirm adjustment
  6. Updated receipt sent to customer (if email on file)

Tip Adjustment Window:

  • Adjust tips within 24 hours of transaction
  • After 24 hours, requires refund and re-charge
Important

Tip adjustments can only increase tips, not decrease. To decrease a tip, process a partial refund.

Receipt Configuration​

Receipt Settings​

Customize receipts for your brand:

  1. Manage Payment → Receipts
  2. Configure receipt elements:

Header:

  • Upload logo
  • Business name
  • Address
  • Phone number
  • Website
  • Social media

Body:

  • Order number
  • Date and time
  • Server name
  • Table number
  • Itemized list
  • Subtotal, tax, tip, total
  • Payment method

Footer:

  • Thank you message
  • Return policy
  • Wi-Fi password
  • Promotional message
  • QR code (website, social, review)

Formatting:

  • Font size (small, medium, large)
  • Paper width (58mm, 80mm)
  • Logo size and position
  • Show/hide elements

Email Receipts​

Enabling Email Receipts:

  1. Receipt Settings → Email Receipts
  2. Toggle Enable Email Receipts
  3. Choose trigger:
    • Ask every customer
    • Default to email (unless customer declines)
    • Manager/customer chooses per transaction
  4. Customize email template:
    • Subject line
    • Email body
    • Header design
    • Footer links

Benefits:

  • Eco-friendly (less paper)
  • Customer convenience
  • Marketing opportunity
  • Email capture for marketing

Security and Compliance​

PCI Compliance​

SSP Manager + Stripe = PCI Compliant:

  • Card data never touches your servers
  • Tokenization for secure storage
  • End-to-end encryption
  • Stripe is PCI Level 1 certified

Your Responsibilities:

  • Use secure passwords
  • Keep software updated
  • Train staff on security
  • Secure physical terminals
  • Report breaches immediately

Fraud Prevention​

Stripe Radar (Included):

  • Machine learning fraud detection
  • Blocks suspicious transactions
  • Adapts to your business patterns
  • No configuration needed

Additional Protections:

  • 3D Secure for online payments
  • Address Verification System (AVS)
  • Card Verification Value (CVV) checks
  • Velocity limits (max transactions per minute)

Fraud Indicators:

  • Multiple failed card attempts
  • Unusually large orders
  • Shipping to different address than billing
  • International cards for local pickup

Manual Review:

  1. Suspicious orders flagged in dashboard
  2. Review order details
  3. Contact customer to verify
  4. Accept or decline transaction

Reporting and Analytics​

Payment Reports​

Available Reports:

  1. Daily Sales Summary

    • Total sales
    • Payment method breakdown
    • Tips collected
    • Refunds issued

  2. Payout Report

    • Scheduled payouts
    • Transaction breakdown
    • Fees deducted
    • Net deposit amount

  3. Transaction Detail

    • Every transaction
    • Date, time, amount
    • Payment method
    • Customer info (if available)
    • Order details

  4. Refund Report

    • All refunds
    • Full vs. partial
    • Refund reasons
    • Impact on revenue

  5. Fee Analysis

    • Stripe fees paid
    • Average fee percentage
    • Fee trends over time
    • Compare to industry benchmarks

Generate Reports: Reports → Payment & Transactions → Select Report Type

Export Options:

  • PDF for printing
  • CSV for Excel/accounting software
  • Email scheduled reports (daily, weekly, monthly)

Integration with Accounting​

Export payment data to accounting software:

Supported Integrations:

  • QuickBooks Online
  • Xero
  • FreshBooks
  • Wave Accounting
  • Custom via API

Setup:

  1. Manage Payment → Integrations
  2. Select accounting software
  3. Authorize connection
  4. Configure sync settings:
    • Sync frequency (daily, weekly)
    • Account mapping (which accounts to post to)
    • Tax handling
  5. Test sync
  6. Enable automation

Learn more about Accounting Integrations

Troubleshooting​

Common Issues​

Payment Declined​

Reasons:

  • Insufficient funds
  • Card expired
  • Incorrect CVV
  • Bank blocking transaction
  • Fraud detection

Solution:

  1. Ask customer for different card
  2. Verify card details entered correctly
  3. Customer contacts their bank
  4. Try processing again
  5. Accept alternative payment method

Payout Delayed​

Reasons:

  • Bank holiday
  • Bank account issue
  • Stripe reviewing account
  • First payout (takes longer)

Solution:

  • Check payout schedule
  • Verify bank account details
  • Contact Stripe support
  • Check email for verification requests

Stripe Account Restricted​

Reasons:

  • Verification incomplete
  • High dispute rate
  • Suspicious activity
  • Terms of service violation

Solution:

  1. Check email from Stripe
  2. Complete any requested verification
  3. Respond to Stripe inquiries
  4. Contact Stripe support
  5. Contact SSP Manager support for assistance

Tips Not Showing​

Check:

  • Tipping enabled in settings
  • Payment method supports tips (cash doesn't auto-tip)
  • Receipt shows tip line
  • Reports include tip column

Solution:

  • Verify tipping settings
  • Check permission settings
  • Review payment flow

Best Practices​

Payment Processing​

Speed:

  • Train staff on quick payment processing
  • Use tap/contactless when possible
  • Pre-authorize cards for tabs (bars/restaurants)

Accuracy:

  • Double-check amounts before processing
  • Verify tips manually entered correctly
  • Confirm payment success before customer leaves

Customer Experience:

  • Offer multiple payment methods
  • Email receipts to reduce wait time
  • Process payments tableside when possible
  • Clear communication about charges and tips

Financial Management​

Daily Reconciliation:

  • Compare POS totals to Stripe dashboard
  • Verify all transactions processed
  • Check for failed payments
  • Review refunds and disputes

Cash Management:

  • Record cash payments in POS (for reporting accuracy)
  • Regular cash counts
  • Secure cash storage
  • Bank deposits tracked in system

Dispute Prevention:

  • Clear itemized receipts
  • Recognizable business name on statements
  • Quick response to customer concerns
  • Refund before disputes when appropriate

FAQ​

Is Stripe required to use SSP Manager?​

Yes, for card payments. Cash-only businesses can still use SSP Manager without Stripe for order and inventory management.

How much does Stripe charge?​

Standard rates: 2.7% + $0.05 per in-person transaction, 2.9% + $0.30 for online/phone payments. See Transaction Fees for details.

When will I receive my money?​

Typically 2 business days after the transaction. Payout schedule is configurable.

Can I use my existing Stripe account?​

Yes! Connect your existing Stripe account during setup.

What if a customer disputes a charge?​

You'll be notified and have 7-21 days to submit evidence. See Dispute Management.

Can I issue refunds?​

Yes, full or partial refunds anytime. Stripe fees are refunded to you.

Do I need a merchant account?​

No! Stripe handles everything. No separate merchant account needed.

What about PCI compliance?​

Stripe and SSP Manager handle PCI compliance. You don't need separate certification.

Can I accept Apple Pay and Google Pay?​

Yes! Digital wallets are supported automatically with compatible terminals.

Is there a monthly fee?​

No monthly fees from Stripe. SSP Manager subscription fees apply. Pay only when you process transactions.

Getting Help​

Need assistance with payment setup or Stripe?

  • 📧 Email: support@ssppos.com
  • 💬 Live Chat: Available in dashboard
  • 💳 Stripe Support: support.stripe.com
  • 📚 Help Center: docs.ssppos.com

Accept payments securely and efficiently with SSP Manager and Stripe Connect.