Accepting online payments via Stripe

TradeFlow uses Stripe to accept card and Apple Pay / Google Pay payments. When you send an invoice, the email includes a Pay Now button that takes the client to a hosted checkout page.

Setup (one-time)

1. Sign up at https://stripe.com if you haven't already (free).
2. Activate your account by providing your ABN, bank details, and ID. Stripe needs this for AUSTRAC compliance.
3. From your Stripe Dashboard → Developers → API keys, copy the Secret key.
4. Set up a webhook endpoint pointing to /api/stripe/webhook and subscribe to checkout.session.completed and checkout.session.expired.
5. Copy the webhook signing secret.
6. Add both secrets to your TradeFlow environment variables.

What happens when a client pays

• Stripe processes the payment instantly.
• The webhook fires, marking the invoice as Paid in your dashboard.
• You get an in-app notification and (if enabled) a push notification.
• Stripe deposits funds to your bank account on their normal payout schedule (typically 2 business days for AUD).

Stripe charges 1.7% + 30¢ for Australian cards. International cards are 3.5% + 30¢. There's no monthly fee.