TradeOS uses Stripe Connect to move money. You keep your own merchant account, customers see Your Business on their card statement, and payouts land directly in your bank account. We're never in the middle.
Connecting Stripe
- Open Settings → Payments and click Connect Stripe.
- Stripe walks you through identity verification: your EIN, business address, and a bank account for payouts. About 6 minutes.
- When you're done, you'll be bounced back to TradeOS with a green Payments active badge.
Sending an invoice
Invoices come from one of three places:
- Auto-generated from a closed quote. When a quote is accepted and a deposit (if any) is paid, TradeOS creates a balance invoice automatically. Tap Send when the job is done.
- Created from a job. Open a job and click + Invoice. Line items pull from the job's logged materials and labor by default.
- Manually. From Invoices → + New for one-off charges that aren't tied to a job.
Deposits vs. balance
Deposits are taken at quote-acceptance via Stripe Checkout — the customer's card or bank is charged immediately. Balance invoices are sent later and use the embedded Payment Element so the customer can pay without leaving the proposal page. Both flow into the same Stripe account; they just have different shapes in the data:
- Deposits show as
quote_depositon the payment row. - Balances show as
invoice_balance.
Refunds work the same on both — open the payment and click Refund. Full or partial; reason is optional but helpful for your records.
Payouts to your bank
Default payout schedule is daily, 2-day rolling: Monday's charges land in your bank Wednesday morning, etc. You can switch to weekly or monthly under Settings → Payments → Payout schedule if your bookkeeping prefers it.
Every payout shows up on the Payouts tab with a per-charge breakdown and a downloadable CSV — perfect for matching deposits to your bank statement at month-end.
Fees and what we take
- Stripe processing: 2.9% + 30¢ per card charge, 0.8% capped at $5 for ACH.
- TradeOS application fee: 1% on top, capped at $20 per transaction.
- No monthly minimum, no PCI compliance fee, no chargeback flat fee — Stripe's standard rates pass through transparently.