Stripe Connect onboarding

Restora 360 processes every restaurant's payments through Stripe Connect Standard. That means:

• You own the Stripe account (and the funds land in your bank, not ours).
• Restora 360 applies the marketplace commission as a Stripe application fee on every charge — fully visible in your Stripe dashboard.
• Refunds and chargebacks pull from your Stripe balance directly. We don't hold customer money.

Have these ready:

• Your business legal name and registration number (or personal name + SSN/equivalent if you're a sole trader)
• A bank account number in your business name
• A photo ID for the account representative
• Tax ID (VAT / EIN / OrgNr depending on your country)

1. Open Billing → Payment methods in your dashboard.
2. Click Connect Stripe. You're redirected to Stripe's hosted onboarding.
3. Pick Existing Stripe account (sign in) or New account (Stripe will help you create one).
4. Submit the business details + ID verification.
5. After Stripe confirms (usually instant, sometimes ≤24 hours), you're redirected back with a green "Connected" badge.

Out of the box, every connected Stripe account accepts:

• Visa, Mastercard, American Express, Discover
• Apple Pay + Google Pay (no extra setup)
• Stripe Link (saved-card auto-fill)

Region-dependent:

• Klarna + Afterpay/Clearpay — Buy now, pay later
• iDEAL (NL), Bancontact (BE), Giropay (DE), EPS (AT), P24 (PL)
• Swish (SE) — via a separate adapter; see Swish setup (coming soon)

To toggle which methods show at checkout, open Settings → Payment methods.

Every paid order has three slices:

1. Stripe processing fee (set by Stripe, typically 2.9% + $0.30 for US cards) — deducted from your gross.
2. Restora 360 marketplace commission (varies by plan; see Plans & pricing (coming soon)) — taken as a Stripe application fee.
3. Net to you — what lands in your bank account.

If a sales agent referred you, 5% of the marketplace commission goes to them — invisible to you, no deduction from your net.

Stripe pays out daily by default (rolling 2-day window for US cards, T+7 for new accounts). Open your Stripe dashboard → Payouts to change to weekly or monthly. Restora 360 never sits in the middle of your money.

Common issues:

• "Stripe says my onboarding is incomplete" — Stripe needs more docs. Open your Stripe dashboard → Settings → Account → Verification and submit what's requested.
• Payouts paused — usually a verification or bank-account mismatch. Stripe surfaces the exact reason in their dashboard.
• Cards declining in test mode — make sure you're using a Stripe test card like 4242 4242 4242 4242.

If you're stuck, open a support ticket (coming soon).