> 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.
{% hint style="info" %}
Some payment updates are rolling out in stages. Depending on your account, you may see refreshed payment labels, new statuses, and updated reports in PaintScout.
See [What’s New in Payments](/support/invoicing-and-payments/invoices/whats-new-in-payments.md) for rollout details.
{% endhint %}
***
## 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** — Turn this on to collect deposits by credit card.
* Add a default deposit amount as a percentage (%) or fixed dollar ($) amount.
* Customers are prompted to pay the deposit after they accept the estimate.
* **Allow credit card payments on invoices** — Turn this on to let customers pay invoices by credit card.
* **Surcharging** — Open **Edit Surcharge Settings** to configure the fee passed to customers on credit card payments.
* Select **Apply surcharge to deposit payments** if you want the surcharge to apply to deposits too.
* Choose whether the setting applies only to new estimates and invoices, or also to existing ones that *haven't been accepted* and *don't have a payment yet*.
***
## 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.
{% hint style="success" %}
If the new payments rollout is enabled on your account, you may see extra customer email templates for ACH processing, failed payments, and refunded payments in other payment flows.
See [What's New in Payments](/support/invoicing-and-payments/invoices/whats-new-in-payments.md) for details.
{% endhint %}
***
## 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.
{% hint style="info" %}
The **Pay Now** button only appears on estimates after the customer has accepted.
{% endhint %}
2\. The customer enters their credit card details and clicks **Pay**.
3\. A confirmation window appears after a successful payment.
***
## Adjusting Payment Settings on the Estimate or Invoice
1\. Open the estimate or invoice and open the **sidebar** on the right.
2\. Open the **Payments & Lending** section.
3\. Turn off credit card payments, adjust the deposit amount, or change or remove the surcharge 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. [Review Stripe payout timing >](https://stripe.com/docs/payouts)
### How can I issue a refund?
Process refunds through the Stripe dashboard. Stripe refunds are not issued in PaintScout. [Review Stripe refund steps >](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
* [What’s New in Payments](/support/invoicing-and-payments/invoices/whats-new-in-payments.md) — See rollout changes across payments
* [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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