Checkout that never leaves your page

Straight into your own Stripe account. stall.bio uses Stripe Connect with direct charges, which means each sale is a payment on your account, not ours, and Stripe pays it out to your bank on the schedule you set in Stripe. We never hold your money, so there is no balance to withdraw from us and no payout threshold.

Connecting takes a few minutes from the Payments page in your dashboard. If you already have a Stripe account, sign in to it; if not, Stripe asks for your name, address, date of birth and bank details and checks them. Until Stripe says you are ready, your store shows your products but does not take payments.

All major cards work everywhere Stripe does. Apple Pay and Google Pay appear automatically on devices that have them set up. Klarna, which lets buyers spread the cost, shows where your Stripe account supports it and the buyer's country and basket qualify.

stall.bio does not pick payment methods for you: Stripe shows the ones switched on in your own Stripe account's payment method settings, filtered to what suits each buyer's device, country and order. Switch methods on or off there. Wallets matter on mobile: paying with a thumbprint instead of typing a 16-digit card number removes the slowest step of paying on a phone.

Nothing. The platform fee is 0% on every sale, at every price, and stays that way however much you sell. You pay for your plan, and Stripe charges its own processing fee on each payment, which you can see line by line in your Stripe dashboard.

For a UK card paying in pounds, Stripe's standard fee is 1.5% plus £0.20. On a £15 sale that is £0.43, so you keep £14.57. European cards cost 2.5% plus £0.20 and other international cards 3.25% plus £0.20. Stripe also sets a minimum charge of £0.30, so a code that brings a total below that is refused with a clear message.

If you are VAT registered, switch VAT on in Payments, enter your rate and choose whether your prices already include it. stall.bio works out the VAT on every order after any discount and add-on, shows it at checkout and prints it on the receipt. You remain the seller and file your own returns.

Two worked examples at 20%:

• Prices include VAT: a £24 product costs the buyer £24. The receipt reads "Includes VAT at 20%: £4".
• VAT added on top: a £20 product costs the buyer £24, with £4 VAT shown as its own line before they pay.

One rate applies across your store. Selling digital products to consumers in other countries can create VAT duties there, so if many of your buyers are abroad, ask an accountant whether you need to register for a scheme such as the EU's One Stop Shop.

Refunds are made in your Stripe dashboard: find the payment and press refund, in full or in part. Stripe returns the money to the buyer's card, usually within 5 to 10 working days. The buyer keeps their access page, because the file is already delivered, so treat refunds as goodwill and state any policy in your description.

If a card is declined, Stripe shows the reason in the form and the buyer can try another method without starting again. Nothing is delivered until a payment succeeds, and a payment that is still processing shows as pending until Stripe confirms it.