Stripe

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Stripe Overview

Stripe powers payments in Cortado. Once you connect your Stripe account, your customers can pay invoices by credit or debit card and, optionally, by ACH bank transfer directly from the customer portal. Cortado uses Stripe Connect, which means payouts go straight to the bank account attached to your own Stripe account. Cortado never holds your funds. You can manage your Stripe connection from Settings > Payments.

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Before You Connect

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Connecting Your Stripe Account

If Stripe needs additional information later, you can click Re-open Onboarding from the Stripe Account card to return to the Stripe flow and complete any outstanding requirements.

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What Stripe Powers

Once connected, Stripe handles every money movement in Cortado:

• Customer checkout — customers pay invoices through Stripe Checkout from the customer portal
• Refunds — refunds are issued through the invoice page and processed back to the original payment method
• Disputes and chargebacks — surfaced in Cortado and managed through your Stripe dashboard
• Payouts — Stripe transfers funds directly to the bank account on your Stripe account

Because Cortado uses Stripe Connect, the money flow is between your customer and your own Stripe account. Cortado orchestrates the checkout session but never touches the funds.

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Payment Methods

In Settings > Payments, under Payment Methods, you can choose which methods appear at checkout:

• Credit / Debit Card — always enabled; supports Visa, Mastercard, American Express, and other major card networks
• ACH Bank Transfer — optional; lets US customers pay directly from their bank account, typically with lower fees than card payments

Toggling ACH applies to every new invoice checkout for your organization.

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Account Status and Warnings

The Stripe Account card shows your connection status at a glance and surfaces any warnings returned by Stripe — for example, pending identity documents, overdue banking information, or payout holds. If you see a warning, click Re-open Onboarding to resolve it. Until these items are cleared, Stripe may pause your ability to accept charges or receive payouts.

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Disconnecting Stripe

You can disconnect Stripe at any time from the Stripe Account card:

1. Click Disconnect on the Stripe Account card
2. Confirm the action in the dialog

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Best Practices

1. Complete onboarding fully before sending invoices — half-finished Stripe accounts can’t accept live charges
2. Keep your Stripe contact email up to date — Stripe sends verification and payout alerts to this address
3. Review warnings promptly — Stripe requirements left unresolved can pause your ability to take payments
4. Enable ACH for larger invoices — bank transfers reduce processing fees on higher-value bookings
5. Use your Stripe dashboard for disputes — respond to chargebacks directly in Stripe with the evidence Stripe requests
6. Don’t disconnect mid-billing-cycle — finish processing any open checkout sessions or refunds before disconnecting