## Documentation Index

Access the complete documentation index at:
https://www.zoho.com/us/books/help/llms.txt

Use this file to discover all available documentation pages before proceeding.

# Integrate Zoho Books with Stripe

Stripe is a leading payment service provider that lets businesses collect payments securely. You can collect one-time and recurring payments from multiple [countries](https://stripe.com/global) and [currencies](https://docs.stripe.com/currencies) by integrating Zoho Books with Stripe.

Once integrated, you can also:

*   Configure accounts for bank feeds to track and reconcile payments for invoices paid via Stripe.
*   Sync and update expired or renewed customer card details in Zoho Books automatically from Stripe.
*   Track payments via Stripe through reports and graphs. You can:
    *   View the Payment Clearing Summary graph within the _Banking_ module in the _Stripe Clearing account’s Dashboard_.
    *   Filter the Account Transactions report to view detailed records of Stripe transactions from Zoho Books.
    *   Track user actions and modifications within the Stripe integration in the Activity Logs & Audit Trail report.
*   Monitor the sales information of Zoho Books in your Stripe account.

**Note:** Transaction charges are applicable as per [Stripe’s pricing policy](https://stripe.com/gb/pricing). Zoho does not charge any additional fees.

## Set Up Stripe

### Connect your Stripe Account

To get started, you will have to connect your Stripe account with Zoho Books. If you don’t have an account, you can create one and proceed with the integration.

To set up:

*   Go to _Settings_ and then select _Customer Payments_ under _Online Payments_.
*   Click **Set Up Now** next to _Stripe_. You will be redirected to Stripe’s login page.
*   Enter your **Email Address** and **Password**, and click **Submit**.
*   In the next page, select an account from the dropdown or create a new account and click **Connect**.

You will have successfully connected your Stripe account to Zoho Books. After which you will be redirected to Zoho Books, where you can configure bank feeds.

### Configure Bank Feeds

You can configure accounts for bank feeds to track payments made through Stripe for invoices created in Zoho Books. This will help you match and reconcile transactions easily.

To configure accounts for bank feeds:

*   Go to _Settings_ and select _Customer Payments_ from _Online Payments_.
    
*   Click **Edit Settings** next to _Stripe_.
    
*   In the following page, click **Configure Feed Accounts** under _Stripe_.
    
    ![Configure Feeds](/books/help/images/online-payment/stripe/feed-accounts-stripe.png)
*   In the pop-up that appears, select the accounts for the following fields:
    
    *   Account Where Stripe Transfers Money
    *   Account Which Tracks Money Held by Stripe
    *   Account To Track Transaction Fees
    *   Account To Track Other Sales
    *   Tax Authority for Non-Taxable Transactions
*   Click **Save**.
    

Once configured, these accounts will automatically track the Stripe transactions from Zoho Books. The feed integration will begin fetching transactions the day after setup and will continue fetching them daily thereafter.

**Insight:**

*   To update these accounts, go to _Payment Gateways_, then click **Edit Settings** next to _Stripe_ and select **Edit** under _Bank Feeds_.
*   If you no longer want to track these transactions, you can disable the feeds. To disable, go to _Payment Gateways_, then click **Edit Settings** next to _Stripe_ and select **Disable** under _Bank Feeds_.

## Payment Methods

Your customers can make payments using a variety of methods supported by Stripe, including cards, payment services, and bank transfers.

#### Cards

Stripe supports popular card brands such as Visa, MasterCard, American Express, JCB, Discover, and Diners Club. Customers can make secure payments using these cards.

#### Bank Transfers

**iDEAL**: A trusted payment option that enables customers in the Netherlands to make online payments through direct bank transfers via their trusted banks.

**Bancontact**: Bancontact facilitates online payments for customers in Belgium through mobile apps, QR codes, or the Bancontact website.

**ACH**: Customers in the US can make ACH payments by linking and verifying their bank accounts through [micro-deposits](/us/books/help/online-payments/stripe.html#Micro-Deposit-Verification) or [Stripe’s Financial Connections](/us/books/help/online-payments/stripe.html#Stripe-Financial-Connections).

#### Buy Now, Pay Later (BNPL)

**Klarna**: Klarna provides flexible payment options, such as Pay in 30 Days or Pay in 3 or 4 installments, and is available in several countries across Europe, the US, and Australia.

#### Others

**Apple Pay**: A payment service for iOS users that allows customers to pay securely using saved credit or debit cards.

**Note:** Apple Pay can be accessed only through the Safari browser.

**Alipay**: This payment solution enables customers in China to pay for goods and services through both online and offline modes.

### Enable or Disable Payment Methods

By default, you can accept payments via credit cards. To accept payments through other methods, you must enable them manually.

**Prerequisites:** Enable the payment methods in your Stripe account under _Settings_ > _Payments_ > _Payment Methods_ before you enable them in Zoho Books.

To enable the other payment methods:

*   Go to _Settings_ and then select _Customer Payments_ under _Online Payments_.
    
*   Click **Edit Settings** next to _Stripe_.
    
*   In the following page, click the **Edit** icon next to _Credit Card_.
    
    ![Payment Methods](/books/help/images/online-payment/stripe/payment-methods-stripe.png)
*   Select the payment methods through which you want to accept payments.
    
*   Click **Save**.
    

Your customers will be able to pay using the enabled payment methods.

## Manage Customer Payment Information

### Add Customer Card and Bank Account Details

In Zoho Books, you can add your customer’s card and bank account details to charge them for their invoices. Learn how to [associate a card or bank account](https://www.zoho.com/books/kb/payments/card-on-file.html) with your customer.

**Note:** Bank accounts can be charged if you have enabled the **Pay via Bank** option in the customer’s _Overview_ page.

**Insight:** You can [delete your customer’s saved card](https://www.zoho.com/books/kb/contacts/delete-card.html) or bank account details in your customer’s _Overview_ page.

### Verify Bank Details

Before charging your customer’s bank account, you need to verify their details through micro-deposit verification or allow them to verify their accounts instantly through Stripe Financial Connections.

**Insight:** By default, Stripe will verify your customer’s bank account using micro-deposit verification.

#### Micro-Deposit Verification

Micro-deposits are small amounts Stripe sends to the customer’s bank account for verification. These amounts (in cents) appear on the customer’s bank statement with the description “AMTS.” You can use these values, provided by your customer, to verify their account.

**Insight:** It will take 1-2 business days for the deposits to appear on the customer’s online statement after you add their bank account details.

To verify bank account details through Micro-deposits:

*   Go to the _Overview_ page of the customer for whom you have added bank account details.
    
*   Scroll to the _Bank Account Details_, click the **Gear** icon next to the specific bank account and click **Verify**.
    
    ![Micro Deposit Verify](/us/books/help/images/online-payments/stripe/micro-deposit-verify.png)
*   Enter the **First Deposit** and **Second Deposit** amounts you received from your customer.
    

**Note:** Ensure you’ve entered the correct deposit amounts in cents, as you can only make ten attempts to verify the account.

*   Click **Verify**.
    
    ![Micro Deposit Amount](/us/books/help/images/online-payments/stripe/micro-deposit-amount.png)

Once verified, you can use it to charge them for the invoices.

**Insight:** Your customers can also verify their bank account by entering the deposit values in the customer portal. To do so, they must log in to the _customer portal_, go to the _Home_ page, and click **Verify** next to their bank account to enter the deposit values.

#### Stripe Financial Connections

Stripe Financial Connections lets customers securely link their bank accounts with Stripe for instant verification. If you want your customers to verify their bank accounts through this method, you will have to enable Stripe Financial Connections in Zoho Books.

**Note:** The verification fee will be charged according to [Stripe’s Pricing Policy](https://stripe.com/financial-connections#pricing).

To enable instant bank verification using Stripe Financial Connections:

*   Go to _Settings_ and select _Customer Payments_ from _Online Payments_.
*   Click **Edit Settings** next to _Stripe_.
*   In the following page, click the **Edit** icon next to _Payment Methods_.
*   Select the **ACH** checkbox.
*   Enable the **Verify instantly using Stripe Financial Connections** option and click **Save**.

Your customers can now verify their bank accounts instantly while making ACH payments via the Customer Portal.

## Collect Customer Payments

### Enable Payment Options

After setting up the integration in Zoho Books, enable Stripe as a payment option in invoices to receive payments.

To enable:

*   Go to the _Invoices_ module.
    
*   Create a new invoice with the necessary details or click **Edit** on the particular invoice.
    
*   Scroll to the bottom of the page and check **Stripe** as a payment option.
    
    ![Payment Option Stripe](/books/help/images/online-payment/stripe/online-payment-option-stripe.png)

**Note:** If you select multiple payment gateways, the last configured payment gateway will be used by default to receive payments.

*   Click **Save**.

Stripe will be chosen as the payment option to collect payments.

### Receive Payments from Customers

After you’ve enabled Stripe as a payment option, your customers can pay through the shared link or the customer portal.

To make payments, your customers will have to:

*   View the invoice from the customer portal or email.
*   Click the **Pay Now** button, and they will be redirected to the payment page.

**Insight:** Customers can also make payments from the invoices list page in the customer portal.

*   Choose the payment method and click **MAKE PAYMENT**.
    
    ![Make Payments](/books/help/images/online-payment/stripe/make-payment-stripe.png)

**Note:** Customers can check the **Allow ‘Your Company Name’ to collect future charges** **automatically,** or **I authorize ‘Your Company Name’ to charge this bank account for future transactions** **automatically** box to charge their card or bank for future invoices and recurring profiles.

*   Enter the credentials and click **Pay**.

**Insight:** Zoho Books supports [Link by Stripe](https://docs.stripe.com/payments/link), which autofills customers’ payment information for faster checkouts. To use saved cards or bank accounts, customers must click **link** and to sign up and save card details, click **Autofill link**.

If the customer selects a bank account that hasn’t been verified through Micro-deposits, they must verify the account using Stripe Financial Connections while they are paying. After clicking **Make Payment**, the customer will be redirected to the Stripe Financial Connections pop-up, where they will have to:

*   Review the terms and conditions and click **Agree and continue**.
*   Select their **bank** and **account**.
*   Click **Connect account** to complete the payment.

Once the customer’s bank account is verified and the ACH payment is processed, the invoice status will automatically change to **Paid**, and you will receive an email confirming the payment made by your customer.

### Charge Customers

You can charge your customers manually or automatically for the invoices using the saved cards or bank accounts.

**Note:** You cannot add your customer’s bank details while charging them; only a saved bank account that has been [verified](/us/books/help/online-payments/stripe.html#Verify-Bank-Details-and-Enable-Instant-Payments) can be charged.

#### Manual Charge

You can manually charge your customer’s card or bank account for one-time payments in Zoho Books.

To charge manually:

*   Go to the invoice that you want to charge.
    
*   Click the **Record Payment** dropdown and select **Charge Customer**.
    
    ![Manual Charge](/books/help/images/online-payment/stripe/manual-charge-stripe.png)
*   Choose the customer’s card or bank account to charge them.
    

**Insight:** If you have not saved your customer’s card details, you can [request payment information (recommended)](https://www.zoho.com/books/kb/payments/card-on-file.html#request-payment-information) or add them while charging.

*   Click **Proceed**.

You will have charged your customer for the invoice.

#### Auto-Charge

You can auto-charge your customers when you associate a card or bank account to your customer’s recurring invoice.

**Prerequisite:** Enable the [Create, Charge, and Send Invoices](https://www.zoho.com/books/help/recurring-invoice/preferences.html) option to auto-charge recurring invoices.

To associate and auto-charge a card:

*   Go to the recurring invoice you want to associate with a card or bank account.
    
*   Click the **Associate Payment Options** dropdown and select **Associate Card** or **Associate Bank Account**. If no card details are saved, you can add them in the pop-up, or select an existing card.
    
    ![Associate Payment Options](/us/books/help/images/online-payments/stripe/associate-payment-options-stripe.png)
*   Click **Associate Card** or **Associate Bank Account** to confirm.
    
    ![Associate Bank Account](/us/books/help/images/online-payments/stripe/associate-bank-account-stripe.png)

Your customer’s card or bank account will be automatically charged when their invoice is due. If your customers don’t want to be auto-charged with the associated payment option, you can delete it.

To delete:

*   Go to the particular recurring Invoice.
    
*   Click the **More** drop-down and select **Delete Card** or **Delete Bank Account**.
    
    ![Delete Bank Account](/us/books/help/images/online-payments/stripe/delete-bank-account-stripe.png)
*   Click **Delete Card** or **Delete Bank Account** to confirm.
    

The associated payment option will be removed from the recurring invoice.

## Track Stripe Transactions in Zoho Books

In Zoho Books, you can track your Stripe related transactions and activities in two ways:

1.  [Track transactions through the Stripe clearing account](/us/books/help/online-payments/stripe.html#track-transactions-through-the-Stripe-clearing-account)
2.  [Track transactions through reports](/us/books/help/online-payments/stripe.html#track-transactions-through-reports)

### Track transactions through the Stripe Clearing account

All transactions processed through Stripe are fetched and displayed in the Stripe Clearing account. You can access this account from the list of accounts in the _Banking_ module (this account will be created automatically once the integration is complete).

You can track and monitor these transactions by:

*   Using the Payment Clearing Summary graph and the recently added transactions in the _Overview_ tab.
*   Viewing the list of all the transactions, such as the consolidated sales that took place, the fee Stripe has charged, refunds if any, and the amount transferred to your bank account by Stripe in the _Transaction_ tab.

**Insight:** After Stripe settles the money to the bank account, a transfer fund will be created from Stripe clearing to the specified bank account in Zoho Books. The transfer fund will be equal to that of the money deposited by Stripe.

If Stripe owes you any amount, you can view it under **Amount in Zoho Books** at the top left corner of the page

![Webhooks.png](/books/help/images/online-payment/stripe/amount-in-zb.png)

### Track transaction through Reports

You can track transactions and activities related to Stripe in Zoho Books by:

*   Using the _Account Transactions report_ to filter and view detailed records of Stripe transactions in Zoho Books.
*   Tracking user actions and modifications within the Stripe integration through the _Activity Logs & Audit Trail report_.

Additionally, you can monitor your sales information in your Stripe account directly.

## Sync Customer Card Details

When a customer’s card details are updated or expired, Stripe works directly with card networks to fetch the updated information and sync it in Zoho Books automatically. To enable this feature, you will need to configure webhooks in your Stripe account.

To configure webhooks:

*   Go to your [_Stripe_ _Dashboard_](https://dashboard.stripe.com/login).
    
*   Go to the _Developers Tools_ module and switch to the _Webhooks_ tab.
    
*   Click **\+ Add endpoint** button in the top right corner of the page.
    
*   Copy and paste the following URL in the **Endpoint URL** field in the pop-up. `https://books.zoho.com/n/stripe/2-bc06206e575d4efa636280e0f950de09`
    
*   Click **Select events**.
    
*   Select the **customer.source.updated**, **charge.succeeded**, **charge.failed**, and **source.chargeable** options, then click **Add Events**.
    
    ![Webhooks.png](/books/help/images/online-payment/stripe/webhooks-stripe.png)
*   Click **Add Endpoint**.
    

You will have configured webhooks to sync and update your customer’s card details.

## Delete the Integration

If you no longer want to use Stripe integration, you can delete it. Before deleting, uncheck Stripe as a payment option in unpaid invoices and [delete any associated card](https://www.zoho.com/books/kb/contacts/delete-card.html) or bank accounts.

**Warning:**

*   The bank feeds will be disabled. You will have to record payouts or refunds you issue for payments collected so far using Stripe manually.
*   Stripe is automatically enabled across all your Zoho Finance apps, so disabling it in one app will disable it in all other Zoho Finance apps.

To delete:

*   Go to _Settings_ and select _Customer Payments_ from _Online Payments_.
*   Click the **Delete** icon next to _Stripe_.
*   Click **OK** to confirm.

The Stripe integration will be deleted from your Zoho Books account.

**Note:** Deleting the integration will not delete the credit cards stored in Stripe.