> 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/payments-table-overview/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**.

<figure><img src="/files/i0H9KrFGpkR92e0Hdful" alt="Screenshot showing the Account Settings Integrations section in PaintScout"><figcaption></figcaption></figure>

3\. Navigate to **Stripe** and toggle it on.

<figure><img src="/files/UDuDWBRvCsFnYKeAbwse" alt="Screenshot showing the Stripe integration toggle switched on in PaintScout settings"><figcaption></figcaption></figure>

4\. Click the **Settings** dropdown to adjust your payment settings.

<figure><img src="/files/Jn6Hcc3hjqLLMVOTFyBv" alt="Screenshot showing the Stripe payment settings dropdown with deposit, invoice payment, and surcharging options"><figcaption></figcaption></figure>

* **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**.

<figure><img src="/files/xEqDx3UU0xqE2laZETzZ" alt="Screenshot showing the Email Templates section under Account Settings Communications"><figcaption></figcaption></figure>

2\. Under the **Emails Sent Automatically** section, click the **Payment Received** email template.

<figure><img src="/files/z9vOfRrY0udFwXPpGBn3" alt="Screenshot showing the Payment Received email template in the Emails Sent Automatically section"><figcaption></figcaption></figure>

3\. Adjust the verbiage in your email and make sure the **Enabled** checkbox is on.

<figure><img src="/files/QWlUeHdgaRhdWA4bdN8R" alt="Screenshot showing the Payment Received email template editor with the Enabled checkbox"><figcaption></figcaption></figure>

{% 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/payments-table-overview/whats-new-in-payments.md) for details.
{% endhint %}

***

## Deposit & Invoicing workflow with Stripe

{% embed url="<https://www.youtube.com/watch?v=aM7tl58WTgI>" %}

***

## 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.

<figure><img src="/files/3wCzl91UZcFR171o9gHk" alt="Screenshot showing the Pay Now button on a customer-facing invoice"><figcaption></figcaption></figure>

{% hint style="info" %}
The **Pay Now** button only appears on invoices after the customer has accepted the estimate.
{% endhint %}

2\. The customer enters their credit card details and clicks **Pay**.

<figure><img src="/files/TloAzQAJuMPDfpi3VX7K" alt="Screenshot showing the credit card payment entry form with card details fields"><figcaption></figcaption></figure>

3\. A confirmation window appears after a successful payment.

<figure><img src="/files/3jQR3b7ZmYECfwuuYJgc" alt="Screenshot showing the successful payment confirmation window"><figcaption></figcaption></figure>

***

## 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.

<figure><img src="/files/1kzTYbjY3l5IB0sVoUvn" alt="Screenshot showing the Payments and Lending section in the estimate sidebar with options to toggle payments, adjust deposits, and change surcharge"><figcaption></figcaption></figure>

***

## Frequently Asked Questions

<details>

<summary><strong>What are the processing fees?</strong></summary>

Each transaction includes your Stripe fee, typically 2.9% plus $0.30, and a 0.5% PaintScout fee. This totals approximately 3.4%.

</details>

<details>

<summary><strong>How long does a payment take to get to me?</strong></summary>

Payout timing is configured in your Stripe account. Review [Stripe payout timing](https://stripe.com/docs/payouts).

</details>

<details>

<summary><strong>How can I issue a refund?</strong></summary>

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).

</details>

<details>

<summary><strong>How do I handle a dispute?</strong></summary>

Manage Stripe disputes in the Stripe dashboard. Stripe notifies you when a customer opens a dispute. Review the evidence requirements and respond before the deadline.

</details>

<details>

<summary><strong>Can I add a surcharge to card payments?</strong></summary>

Yes. [Enable surcharging](/support/invoicing-and-payments/payments/credit-card-surcharging.md) in the Stripe integration settings. Surcharging applies only to eligible credit card payments.

</details>

&#x20;&#x20;

## Related articles

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>PaintScout Payments</strong></td><td>Set up PaintScout Payments for credit card and ACH payments with deposits and surcharging options</td><td><a href="/pages/KMQdEQEBBspH3RNpwsyV">/pages/KMQdEQEBBspH3RNpwsyV</a></td></tr><tr><td><strong>Payment Methods</strong></td><td>Configure the list of accepted payment methods that appear on invoices such as check, cash, credit card, and other options.</td><td><a href="/pages/J83ZKnn1nAphIgu5bUNf">/pages/J83ZKnn1nAphIgu5bUNf</a></td></tr><tr><td><strong>Credit Card Surcharging</strong></td><td>Configure credit card surcharging to pass payment processing fees to customers when they pay invoices via credit card with Stripe or PaintScout Payments.</td><td><a href="/pages/TBNbh1ecjCJxmuGsXT5m">/pages/TBNbh1ecjCJxmuGsXT5m</a></td></tr></tbody></table>


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