Connect Stripe to take deposits

Payments switch on the day ServiceSprig opens. Until then, nobody can take a real payment, and this article is here so it's ready on day one. Until then your Payments page says "Online payments aren't switched on for ServiceSprig yet."

ServiceSprig uses Stripe for payments. You connect your own Stripe account, so clients' money goes into your Stripe account and then to your bank. ServiceSprig never holds it. ServiceSprig adds no fee to payments. You pay Stripe's standard card fees, and Stripe charges them, not us.

Have these ready before you start:

• your business details, and your Social Security number or EIN;
• your bank's routing number and your account number;
• a short name clients will recognise on their card statement.

1. Start from your Payments page

1. Open your ServiceSprig dashboard and go to Payments.
2. Choose your statement name first. In Name on card statements, type a short name clients will recognise, 2 to 10 letters, like KWOODCUTS. Tap Save statement name. It's sent to Stripe when your account is set up (see step 4).
3. Tap Connect Stripe. Only the owner can connect Stripe.
4. You're now on Stripe's own pages. ServiceSprig never sees your Social Security number or your bank numbers.

Already have a Stripe login? You can use it. Stripe sets up a separate account for your ServiceSprig payments.

2. Sign in to Stripe with two steps

Stripe accounts hold real money, so protect yours with two-step sign-in. You type your password, then confirm it's you with a second step, such as a passkey or a code from an authenticator app.

1. In your Stripe Dashboard, open your Personal details page (your own profile, not the business settings).
2. Find Two-step authentication and choose Add authentication method.
3. Pick a method. Stripe lists passkeys and security keys as its most secure choices, then authenticator apps, then text messages. Stripe suggests avoiding text messages if you can. Touch ID or Windows Hello can be added once you have another method set up.

3. Add your bank account

Stripe asks where to send your money. Enter your bank's routing number and your account number. Use the account your business money goes into.

Until your bank details are checked, payouts aren't on yet, and your ServiceSprig Payments page tells you so. Stripe says a first payout typically takes 7 to 14 days.

4. About your statement name

The name you chose in step 1 is what clients see on their card statement. Make it a name they'll recognise, like your shop's name. If clients don't recognise the name, they may dispute a charge they really made.

• Deposits show your short name with DEPOSIT or PREPAID after it, like KWOODCUTS* DEPOSIT.
• Once you're connected, your Payments page shows the name but you can't edit it there. To change it, edit the statement descriptor in your Stripe Dashboard's public business details.

5. Pick your fraud protection: start with Radar Lite

Stripe's fraud check is called Radar. Stripe says that from 22 January 2027, Radar has four plans: Lite, Standard, Plus and Pro.

Choose Radar Lite to start. Stripe includes it at no extra charge on its standard pricing, and it covers card payments.

1. In your Stripe Dashboard, go to Settings, then Plans and fees, then Plans, then Radar.
2. Choose Radar Lite.

If you don't choose, Stripe says Radar stays on and you'll be charged at its standard Radar pricing from 22 January 2027. You can switch plans at any time.

6. Come back to ServiceSprig

When you finish, Stripe sends you back to your Payments page. It shows Connected once Stripe is happy. If Stripe needs anything else, the page tells you, and Continue in Stripe takes you back to finish.

7. Turn on deposits for each service

Connecting Stripe doesn't take any payments by itself. Deposits are off until you turn them on, one service at a time.

1. Go to Services and tap Edit on the one you want.
2. Under Deposit, pick a Deposit type: Fixed amount (above) (set it in Deposit ($)), Percent of the price (set Percent (%)), or Full price, paid when booking.
3. Tick Collect online when clients book.
4. Tap Save service.

Now clients pay that deposit by card when they book. The booking confirms once the payment goes through. Clients see your cancellation policy before they pay.

Services without Collect online when clients book ticked work as before: the deposit is collected in person.

8. Turn tips on, if you want them

Once you're connected, your Payments page shows Let clients add a tip when they pay online. Tick it, then tap Save payment settings. Clients can then choose 15%, 18% or 20% of the price, or no tip. Tips are paid to you.

When a client cancels in time, you refund them

Clients are told their deposit is refunded if they cancel outside your cancellation window. Refunds don't happen on their own. When a client who paid online cancels, ServiceSprig flags the payment on your Payments page with "client cancelled · refund may be due". Check whether they cancelled in time, then refund it (see below).

Common questions

What does it cost? ServiceSprig adds no fee to payments. Stripe charges its standard card fees to your account. Stripe's pricing page has their current rates.

How do I refund someone? Go to Payments and find the payment in Online payment history. Enter the Amount ($) (the whole amount, or less for a partial refund), pick a Reason, and tap Refund. Owners and managers can refund. You can also refund from your Stripe Dashboard. The client gets a refund email with your branding. Stripe doesn't give back its original card fee when you refund, and the money usually reaches the client in 5 to 10 business days.

Can I take cards in person? Yes, with Stripe's free Stripe Dashboard app on your own phone. Sign in to your Stripe account, enter the amount, and the client taps their card or phone wallet. There's no reader to buy, and Stripe's in-person card fees apply. That payment happens in Stripe's app, not in ServiceSprig.

Your phone needs to be an iPhone XS or later with a passcode set and signed in to iCloud, or an Android phone that Stripe supports, with NFC turned on. Stripe's app will ask for location access.

Can I charge a no-show fee to a saved card? Not at launch.

Stuck? Email hello@servicesprig.com and we'll help.

Next guide: Take Cash App, Venmo, PayPal or Zelle at checkout