> ## Documentation Index
> Fetch the complete documentation index at: https://orgo.space/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Stripe Integration

> Connect Stripe to accept online payments for fees, donations, tickets, and merchandise

Orgo uses Stripe to process all online payments. Members pay with credit cards, bank transfers, Apple Pay, Google Pay, and other local payment methods. You need a Stripe account — everything else (card handling, security, PCI compliance) is managed for you.

***

## Connecting Stripe

**Settings** → **Fees** → **Stripe Integration**

<Steps>
  <Step title="Create a Stripe account">
    If you don't have one, go to [stripe.com](https://stripe.com) and sign up. Complete their identity verification and add your organization's banking details.
  </Step>

  <Step title="Click Connect with Stripe">
    In Orgo, click the connect button. You'll be redirected to Stripe.
  </Step>

  <Step title="Authorize the connection">
    Log in to Stripe and authorize Orgo to connect to your account.
  </Step>

  <Step title="Return to Orgo">
    You'll be redirected back. The status should show "Connected" and "Active".
  </Step>
</Steps>

### Account status

| Status         | What it means                                                            |
| -------------- | ------------------------------------------------------------------------ |
| **Active**     | Ready to accept payments                                                 |
| **Pending**    | Stripe is still verifying your identity — complete any open requirements |
| **Restricted** | Some features limited — check Stripe dashboard for required actions      |
| **Disabled**   | Account disabled — contact Stripe support                                |

***

## What Stripe powers

Once connected, Stripe handles:

| Feature             | Stripe's role                              |
| ------------------- | ------------------------------------------ |
| **Membership fees** | Online payment and recurring subscriptions |
| **Event tickets**   | Checkout for paid events                   |
| **Donations**       | One-time and recurring giving              |
| **Commerce**        | Merchandise purchases                      |
| **Refunds**         | Returns processed through Stripe           |

***

## Accepted payment methods

What your members can pay with depends on your Stripe account's country:

| Method                                          | Availability               |
| ----------------------------------------------- | -------------------------- |
| **Credit/debit cards** (Visa, Mastercard, Amex) | Worldwide                  |
| **Apple Pay / Google Pay**                      | Most countries             |
| **SEPA Direct Debit**                           | Europe                     |
| **iDEAL**                                       | Netherlands                |
| **Bancontact**                                  | Belgium                    |
| **Bank transfers**                              | Varies by country          |
| **Link** (Stripe's one-click checkout)          | Stripe-supported countries |

***

## Transaction fees

Stripe charges per transaction — you don't pay Orgo for payment processing:

| Method                 | Typical fee            |
| ---------------------- | ---------------------- |
| Cards (EU)             | \~1.4% + €0.25         |
| Cards (non-EU)         | \~2.9% + €0.25         |
| SEPA Direct Debit      | \~0.35% (capped at €5) |
| Apple Pay / Google Pay | Same as card rates     |

Exact rates depend on your Stripe account configuration and country. See [stripe.com/pricing](https://stripe.com/pricing) for current rates.

***

## Payouts

Stripe transfers collected funds to your bank account:

| Setting       | Options                                                            |
| ------------- | ------------------------------------------------------------------ |
| **Frequency** | Daily (default), weekly, monthly, or manual                        |
| **Timing**    | Typically 2 business days after payment (7+ days for new accounts) |

Configure payout schedule in the Stripe Dashboard. Orgo doesn't control payout timing — that's between Stripe and your bank.

***

## Local Center Stripe accounts

For organizations where branches collect their own fees:

Each Local Center can connect its own Stripe account separately. When a member pays a local fee, the payment goes directly to the local center's bank account — not through the national organization.

Fee distribution options:

* **100% local** — all payment goes to the Local Center
* **Split** — automatic division between national and local (e.g., 70/30)
* **National collects** — national org receives everything, distributes manually

See [Local Center Fees](/platform/local-group-fees/create-local-fees) for the full setup.

***

## Security

| Protection         | How it works                                                                |
| ------------------ | --------------------------------------------------------------------------- |
| **PCI compliance** | Card data never touches Orgo's servers — Stripe handles all card processing |
| **Encryption**     | All communication encrypted with TLS                                        |
| **Tokenization**   | Card details stored as secure tokens, not raw numbers                       |
| **3D Secure**      | Strong customer authentication for EU regulations (SCA/PSD2)                |

You don't need to worry about payment security compliance — Stripe is a certified PCI Level 1 Service Provider.

***

## Testing before going live

Use Stripe's test mode to verify everything works:

1. Enable test mode in the Stripe Dashboard
2. Use test card numbers:
   * `4242 4242 4242 4242` — successful payment
   * `4000 0000 0000 0002` — card declined
3. Test subscriptions, refunds, and checkout flows safely
4. When ready, switch to live mode

<Warning>
  Never use real card numbers in test mode, and never use test cards in live mode.
</Warning>

***

## Disconnecting Stripe

**Settings** → **Fees** → **Stripe Integration** → **Disconnect**

<Warning>
  Disconnecting immediately stops all payment processing, cancels active subscriptions, and removes stored payment methods. Export any needed data before disconnecting. This is not reversible without reconnecting.
</Warning>

***

## Common scenarios

<AccordionGroup>
  <Accordion title="Stripe connect button doesn't work / popup blocked">
    Ensure your browser allows popups from stripe.com. Try a different browser. Clear cookies if the redirect loop fails.
  </Accordion>

  <Accordion title="Payments are failing for members">
    Check the Stripe Dashboard → Payments for specific error details. Common causes: card declined by bank, 3D Secure authentication not completed, insufficient funds, expired card.
  </Accordion>

  <Accordion title="Payouts aren't arriving in my bank">
    Check the Stripe Dashboard → Payouts. Verify bank details are correct. New Stripe accounts have a longer payout delay (7+ days). Check if Stripe has flagged any issues requiring your response.
  </Accordion>

  <Accordion title="Account shows 'Restricted' status">
    Stripe needs more information from you. Check the Stripe Dashboard for outstanding requirements — usually identity documents, business information, or website URL. Complete them to remove restrictions.
  </Accordion>
</AccordionGroup>

***

## Related

* [Products](/platform/fees/products) — Creating fee products that use Stripe
* [Membership Fees](/platform/fees/fees) — Fee collection and management
* [Donations](/platform/fees/donations) — Fundraising campaigns
* [Local Center Fees](/platform/local-group-fees/create-local-fees) — Multi-account setup for branches