How Stripe Express Connect works
When a client pays an invoice, the money flows through Stripe and lands directly in your connected bank account. Ratio never holds your funds.
Stripe Express Connect means you do not need your own full Stripe account. Ratio guides you through a quick identity verification and bank account setup. Once connected, every invoice payment is routed to you automatically.
- 1Go to Settings > Integrations > Stripe and click "Connect your Stripe account."
- 2Stripe will ask for your business details, identity verification, and bank account.
- 3Once verified, your account status changes to Active and payments start flowing to you.
- 4Configure your processing fee preferences and payout schedule.
Understanding processing fees
Every online payment has Stripe processing fees plus Ratio's platform fee (starting at 0.75%). You choose who pays these fees.
Card payments are always supported. Bank-account payments can also be available in supported checkout flows, especially when the workspace is absorbing fees instead of passing them through to the client.
- Pass to client: your client pays the invoice amount plus all fees. You receive the full invoice amount.
- Absorb: your client pays the exact invoice amount. Fees are deducted from your payout.
- Split 50/50: fees are shared equally between you and your client.
Fee example on a $1,000 invoice (pass to client)
Stripe fee: $29.30. Ratio fee: $7.50. Client pays $1,036.80. You receive $1,000.00.
Payout schedules and instant payouts
Choose how often Stripe sends collected funds to your bank: daily, weekly, monthly, or a custom hold period. Most service businesses use daily payouts.
Instant payouts are available for an additional fee (1.5% total) and deliver funds to your bank in minutes instead of the standard 2 business days.
The Payments page now shows both unsettled balance and recent payout history, so finance questions are easier to answer without logging into Stripe first.