Stripe Payment Processing for In-Store Sales

Connect Admin to your Stripe account to accept integrated credit card payments for Workstand POS.

Connect Your Stripe Account

• In Admin, navigate to Settings > Commerce > Payment settings. 
• In the Stripe box, click "Start connection process".

• • This will take you to a separate screen where you must log into your Stripe account.

• • If you haven't started setting up a Stripe account you can do this at this point, or finish the setup and verification if you're partway complete.
  • Once logged in, select the Stripe account you'd like to connect to and click "Connect".
  • You will then be directed back to the Payment settings screen in Admin, with Stripe connected. 
• The final step is to toggle on Stripe in payment settings:

Add Your Location

• Navigate to your Stripe dashboard by clicking "Account dashboard" under Stripe in payment settings, or by logging in at https://dashboard.stripe.com/login.
• At the top of the page Click "More", then click "Terminal".
  
  

• In the pop-up window, click "Get started".
• This will enable Readers in the Payments view.
• Scroll down to the Locations box and click "+ New" to add your location.
• Enter your location name and store address in the Create Location modal and click "Save".

Add Your Card Reader

• From Stripe, please order the BBPOS WisePOS E terminal.

• Remove your card reader from the box and insert the battery.
• Select your language and Country.
• Connect to your Wi-Fi network.
• Wait for any updates to process.
• The screen will show three random words when completed, take note of those words.
• The reader uses the cord to charge it and does not need to be plugged in except for charging.
• Click on the location that you have just created and this will open the location details page.
• In the Readers section, click "+ Register reader".

• Enter the three-word code displayed on your reader into the Registration code field.

• • If there is no code on your reader's screen then you can generate one by going to Settings on the reader and clicking "Generate pairing Code."

• If desired enter a Reader label (Ex: Front Desk, Service, etc.).
• Once the registration code and reader label have been entered click "Save".

Disputes/Chargebacks

• A dispute (also known as a chargeback) occurs when a cardholder questions your payment with their card issuer.
• If a customer files a dispute against a payment made to you, Stripe will alert you via email notification and also in your Stripe Dashboard. 
• Everything surrounding the dispute will be handled in your Stripe Dashboard, not in Workstand Admin. 
• Below are some Stripe links regarding disputes/chargebacks that may be helpful.
  • How Disputes Work
  • Responding to Disputes
  • Dispute Response Best Practices
  • Dispute Categories

Fraud Prevention

• Fraud cannot be prevented entirely, but there are steps you can take as a retailer to reduce instances of fraud on your website. 
• Read our help center article about Limiting Fraud for more information.
• Stripe offers suggestions on their Preventing Disputes and Fraud page.

Radar

• For advanced users, Stripe offers additional fraud protection through Radar.
  • Radar is not included with your Stripe account, but can be added for a fee.
    • Please contact Stripe for more information. 
  • Because it is possible to create rules in Radar that can cause all legitimate payments to be declined, we recommend exercising extreme caution when configuring Radar.

FAQs

How do I contact Stripe?

• Stripe support can be accessed by clicking "Help" in the top right menu of your Stripe dashboard. You can also chat, have Stripe call you, or email them.

Can I use an existing Stripe account?

• Yes, you can log in to your existing account in Workstand Admin, as long as the account is not a Stripe Express account.
  • A Stripe Express account will not connect. If you have an existing Express account you will need to create a new account using a different email address before you can connect to Workstand.

When will I receive payouts?

• Typically, when you start processing live payments, Stripe schedules your initial payout for 7–14 days after you successfully receive your first payment.
• In some cases, the first payout might take longer depending on the country of operation or industry risk level.
• Subsequent payouts follow the schedule that you define in your account’s payout schedule.

Is there a different rate on card-present (POS) vs. card-not-present (website) transactions?

• Yes, Stripe’s base rates are:
  • 2.7% + $0.05 per transaction in-store
  • 2.9% + $0.30 per transaction online.
  • Our platform fees are flat and tied to your Workstand package level.

• There are no monthly, batch, or other fees.
• You may be able to negotiate with Stripe for a lower base rate.
• Additional fees for manual card entry, international cards, etc may apply. See Stripe's pricing page for details.

Can I refund a credit card payment from Sale Details?

• Not yet for in-store sales.
  • The refund function on the "Refunds and exchanges" page is not yet connected to Stripe and cannot yet be used to refund an in-store sale.
• Refunds will need to be initiated and managed from your Stripe dashboard until this functionality is added.

If I need to do a refund for an in-store transaction does the consumer need to have their credit card present?

• No, the Stripe terminal is not used during a refund.
• The original transaction is securely linked to the original card and a refund will be applied automatically. 

Will debit cards be treated differently than credit cards?

• No, credit and debit transactions will have the same rate and fees.

Will Stripe allow test transactions, or for the owner/account holder to make transactions with a credit card to their own account?

• No, the Stripe Services Agreement prohibits testing in live mode using real payment method details.

Does Stripe onboarding allow us to set the Statement Descriptor that appears on a consumer's credit card statement?

• Yes, set and update your statement descriptor in your Stripe dashboard: https://dashboard.stripe.com/settings/public

Troubleshooting

• If you are unable to connect your Stripe card reader in-store please contact Workstand support for assistance. 
  • For suspected firewall card reader connection issues please read this Stripe article.