> For the complete documentation index, see [llms.txt](https://help.paintscout.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.paintscout.com/support/invoicing-and-payments/payments/payment-processing-with-stripe.md).
# Payment Processing with Stripe
Stripe is a payment processor that integrates with PaintScout to let you collect credit card payments directly from estimates and invoices. You can also configure deposits and surcharging.
## What is Stripe?
Stripe is a third-party payment processor that handles credit card transactions for your PaintScout account.
***
## How to Set Up Your Stripe Integration
1\. Go to [stripe.com](https://stripe.com/) and create an account.
2\. Log in to PaintScout and go to **Account Settings** > **Integrations**.
3\. Navigate to **Stripe** and toggle it on.
4\. Click the **Settings** dropdown to adjust your payment settings.
* **Collect a deposit payment when estimates are accepted**: check this off if you would like to receive deposit payments via credit card.
* By adding a **default deposit amount** by percentage (%) or dollar ($), your customer will be prompted to pay a deposit via credit card after accepting the estimate.
* **Allow credit card payments on invoices**: check this if you would like to allow credit card payments on invoices.
* **Surcharging**:
* To enable this, toggle it on and set the % fee that you will pass along to your customer.
* If you *don't* want to include surcharging on deposit payments, make sure that this checkbox is checked.
***
## How to Customize the "Payment Received" Email
PaintScout automatically emails your customer a payment confirmation. To edit this template:
1\. Go to your **Account Settings** > **Communications** > **Email Templates**.
2\. Under the **Emails Sent Automatically** section, click the **Payment Received** email template.
3\. Adjust the verbiage in your email and make sure the **Enabled** checkbox is on.
***
## Deposit & Invoicing workflow with Stripe
{% embed url="" %}
***
## How Do Customers Make a Payment?
1\. The customer clicks the **Pay Now** button on the estimate or invoice to make a credit card payment.
**Note:** The **Pay Now** button only appears on estimates after the customer has accepted.
{% hint style="info" %}
The **Pay Now** button only appears on estimates after the customer has accepted.
{% endhint %}
2\. The customer will then enter their credit card details and click '**Pay**.'
3\. A new window will appear if payment is successful.
***
## How to Manually Process a Credit Card Payment
1\. Open the invoice and scroll to the **Payments** table.
2\. Click **+Add/Request Payment**.
3\. Select **Take Credit Card Payment.**
4. Enter the payment amount and add a note if needed.
5\. Enter the customer's payment information and click **Pay.**
***
## How to Turn Off Payments or Adjust the Deposit Amount
1\. Open the estimate or invoice and click the **sidebar** on the right-hand side.
2\. Open the **Payments & Lending** section.
3\. Turn off credit card payments, adjust the deposit amount, or change the surcharge percentage before sending.
***
## Frequently Asked Questions
## What is the rate for payments with Stripe?
Each transaction costs your Stripe fee (typically 2.9% + $0.30) plus a 0.5% PaintScout fee, totaling approximately 3.4%.
## How long does a payment take to get to me?
Payout timing is configurable in your Stripe settings. [Learn more here >](https://stripe.com/docs/payouts)
## How can I issue a refund?
Process refunds through the Stripe dashboard. [Learn more here >](https://support.stripe.com/questions/refund-a-customer)
## Related articles
* [PaintScout Payments](/support/invoicing-and-payments/payments/paintscout-payments.md) — Compare the built-in payment option for credit card and ACH
* [Adding Payment Methods](/support/invoicing-and-payments/payments/adding-payment-methods.md) — Choose which payment methods appear on invoices
* [Credit Card Surcharging](/support/invoicing-and-payments/payments/credit-card-surcharging.md) — Pass eligible credit card fees to customers
* [How Customers Pay](/support/invoicing-and-payments/recording-payments/how-customers-make-a-payment.md) — See the customer payment flow from email to checkout
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