Balance and online payments (Stripe)

Online payments let your customers top up their account balance themselves, in the app — by card, a mobile wallet like Apple Pay or Google Pay, and, in Poland, BLIK — instead of handing over cash or making a bank transfer for a staff member to record by hand. The money settles straight into your own Stripe account; Nose never holds it. You keep a real Stripe dashboard where you see every payment, control your payout schedule, and issue refunds.

You set this up once, from Settings → Balance and online payments. It takes about 15–30 minutes and is best done in one sitting.

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Customer balance

The Customer balance section controls the stable-wide wallet, the deferred-payment limit, and how ride credit is applied. Each setting saves as you change it — the page header confirms with Saved; the limit saves when you leave its box or press Enter:

• Enable customer wallet turns on customer top-ups, the "on account" payment method, the balance tab, and per-rider balance status markers.
• Deferred payment limit is how much a customer may owe before they're marked as over their limit. 0 means nobody can owe. Above 0, you still allow it person by person on their Balance tab, where you can also give one person a different amount — see People and roles.
• Apply wallet credit to lessons automatically decides how a rider's balance is used against a ride. On by default: the moment a rider owes for a lesson, whatever they already hold on account is applied first, and your instructor only has to collect what's left — a rider holding part of the price sees the checkout ask for just the remainder. Turn it off to keep settling every lesson by hand, exactly as before. Either way, a rider with no credit on their account is always settled by hand — there's nothing to apply.

What you'll need

Have these ready before you start — Stripe asks for them during setup:

• Your business details — company name and registration number (NIP/REGON in Poland). If you're a sole trader, your personal details are fine.
• Your bank account (IBAN) — this is where Stripe automatically pays out the money customers top up.
• An ID document — Stripe verifies your identity (this "know your customer" check is required by law for anyone accepting payments).

What it costs

Two separate, transparent costs — and nothing is ever taken out of the customer's top-up. A customer who pays 200 zł always gets exactly 200 zł of balance.

• Nose's fee — 1%. Nose adds 1% of your monthly top-up volume as a line on your normal subscription invoice. It is billed to you afterwards, never skimmed from the payment itself, and refunded top-ups don't count towards it.
• Stripe's processing fee. Stripe charges you its own per-transaction fee for handling the card, wallet, or BLIK payment — the same kind of fee you'd pay for any card terminal. This is billed to you by Stripe, from your Stripe balance. The exact rates are on Stripe's pricing page.

Setting up your Stripe account

When you click Set up online payments, we hand you over to Stripe's own secure, hosted setup. You'll fill in a short series of screens; here's what to expect and the choices that matter.

1. Business type. Choose company or sole trader / individual, to match how your stable is registered. We pre-fill what we already know (your stable's name and country) to save you typing.
2. Business details. Confirm your legal name, address, and registration number. Your stable's public page is offered as your business website — that's fine to keep.
3. Payout bank account. Enter the IBAN Stripe will pay your money into. Payouts run automatically, daily or every few days; you can change the schedule later in your Stripe dashboard.
4. Identity verification. Upload or photograph your ID so Stripe can confirm who you are. This is the KYC step the law requires.
5. Review and finish. Stripe shows a summary. Confirm it and you're returned to Nose.

After you finish, Stripe verifies your details. This usually takes only a few minutes, but occasionally longer. The settings page shows a live status the whole time — you don't have to do anything while it verifies. Once it's done, the status turns to Active and the top-ups switch unlocks.

Turning on top-ups

Being verified doesn't yet expose anything to your customers — you stay in control. On the settings page, flip Accept customer top-ups on when you're ready. From then on, customers (and the guardians of any children) can top up their balance in the app, and pay off what they owe in one tap. Flip it off any time to stop accepting new top-ups without disconnecting your account.

Managing your money and refunds

Everything about the money itself lives in your own Stripe dashboard, which you reach with the Open Stripe dashboard link on the settings page (or by logging in at dashboard.stripe.com). There you can:

• see every top-up and your running balance,
• change how often Stripe pays out to your bank,
• and issue refunds — you refund a top-up from your Stripe dashboard, and the customer's balance in Nose adjusts automatically to match. A refunded top-up is also removed from the volume Nose's 1% is calculated on.

Good to know

• Customers are always credited the exact amount they pay — the fees never come out of their top-up.
• A topped-up balance is spendable only at your stable; it can't be moved to another stable or cashed out.
• Card and mobile wallets (Apple Pay, Google Pay) work for customers everywhere; BLIK is additionally offered to customers in Poland. Which method a customer picks is up to them — the balance is credited identically either way, and Stripe only shows the methods that apply in your country.
• You're the merchant of record for every top-up: the money is yours, in your Stripe account, from the moment it's paid.

Related

• Wallet & passes — how customers see and spend their balance.
• Earnings — where paid rides and sales are settled with instructors.