Get paid at pickup with a pay link or a QR code

Payments in Service will run through Stripe (decision D3), with a Stripe Connect account for your shop. That means the money goes to your Stripe account and then to your bank, and Stripe handles the card processing, the payouts and the compliance that comes with them.

At the counter, the invoice will be shown on your screen with a QR code. The customer points their phone camera at it, opens a secure Stripe page and pays with their card or a wallet on their own phone. The same invoice can go out as a text or email with a payment link, so a customer who dropped off on Saturday can pay on Monday before they come in, and just pick up the bike.

If the customer would rather hand you a card, the plan includes typed card entry. That is the full set for card-present payment: link, QR or card entry.

Tap to Pay on a phone and Bluetooth card readers need a native app. The Service field app is deliberately web only (decision D5): an installable app you add to the home screen, which works offline and uses the camera and signature pad through the browser. That choice keeps the app on every phone without an app store, but it rules out tapping a card on the phone.

For a bike shop that is less of a loss than it sounds. Almost every customer carries a phone that can scan a QR code, and paying on their own screen is quicker than passing a card across the counter. For a mobile repair van, the QR code on the tech's phone works at the curb with no hardware to charge or pair.

We would rather tell you this now than have you find out when you go looking for the reader settings.

Deposits matter for special orders and big jobs. When a customer approves a quote for a new drivetrain, the plan lets you take a deposit at approval and apply it to the final invoice automatically. Nobody has to remember that the customer already paid half.

Tips are in the plan, with preset percentages or a custom amount. Some shops will never use them; mobile repair customers often ask. Refunds, full or partial, and disputes are handled through Stripe with a record in Service.

For accounts such as a rental fleet or a corporate bike program, the plan includes a saved card or bank account on file and automatic payments on a billing schedule. ACH bank payments are in the Stripe design for those larger, regular invoices.

Every payment, refund and payout is a ledger event. The plan posts each one from Service to erp.io Accounting through a write connection planned under decision D2, and erp.io Pey matches Stripe payouts against the deposits in your bank feed. Pey is live today for matching; it does not collect or move money.

Card processing is done by Stripe on your own Stripe account, so processing terms are between you and Stripe. We are not publishing processing rates here, because they are Stripe's to set.

Instant payouts, lending and business bank accounts are explicitly out of scope for Service. Stripe handles holds, reserves and tax forms such as 1099-K as the processor.