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This guide applies to:

  • Basic Edition
  • Plus Edition
  • Pro Edition
  • Business Edition

Introduction

Everything you need to know about how Stripe and PayPal work with the SSA payments feature. See below for some of the most asked questions on how payments will affect your Booking Calendar on SSA.


Why are my payments delayed and bookings marked as pending?

SSA is waiting for the payment to clear before confirming the booking, this means that the booking will be marked as pending in the meantime.

PayPal

There are a few possible reasons the PayPal payments are delayed:

  1. Paypal deems the merchant suspicious (if it’s a brand new account with little history or high % of refunds) then it will hold the transaction for a longer period, sometimes days, before releasing it
  2. Paypal deems the purchaser suspicious (same thing, relatively new account, haven’t done all their identity verification steps, or little transaction history)
  3. The user paid with an eCheck, this payment option usually takes anywhere from 3 to 5+ days to process. Here’s a guide on how to disable this option on your PayPal account.

Read more about PayPal Delays here.

Stripe

If the payment was made through Stripe, here are some possible reasons for a delay:

  1. The first payout for every new Stripe account is typically paid out 7 days after the first successful payment is received.
  2. Your business or country has a longer payout period.

Read more about Stripe Delays here.


Do the PayPal and Stripe integrations offer Strong Customer Authentication (SCA)?

“Strong Customer Authentication (SCA) is a requirement of the second Payment Services Directive (PSD2), which aims to add extra layers of security to electronic payments.

SCA will apply to the European Economic Area (EEA) and the United Kingdom and is likely to continue to apply in the UK after the Brexit transition period. It will require banks to perform additional checks when consumers make payments to confirm their identity. To do this, banks may ask for a combination of two forms of identification at checkout” – Visa

Our Stripe integration is SCA-compliant meaning that Stripe will detect whether authentication is required for European customers and change the payment flow during the booking process. We use 3D Secure to process these payments.

PayPal is automatically compliant with SCA regulations due to its built-in authentication and the nature of digital wallet software.


How do I include taxes? (VAT)

We don’t have any way to set taxes/VAT on the paid appointments. Based on these two pages for Stripe and PayPal, it seems that they also don’t automatically charge/include taxes/VAT.

You’ll need to include VAT within your prices and handle those manually.


Can I choose multiple currency types for an Appointment Type?

At the moment we don’t have the ability to choose multiple currency types for each appointment type. Stripe and PayPal automatically handle currency conversions in their backend:

  • “If the charge currency differs from the customer’s credit card currency, the customer may be charged a foreign exchange fee by their credit card company. The customer may also be charged a fee by their credit card company if the credit card and your business are in different countries, regardless of the currency used.” Stripe: https://stripe.com/docs/currencies
  • “If you have a PayPal Premier or Business account, configure your Payment Receiving Preferences to handle payments automatically. You can convert any payment into your primary currency or block certain types of payments.” PayPal: https://developer.paypal.com/docs/api/reference/currency-codes/#payment-receiving-preferences

Do my customers receive a receipt for payments?

Stripe and PayPal automatically send customers a receipt for the transaction.

We don’t have a way to customize the Stripe or PayPal receipts in the SSA plugin. You’ll need to manage the payment notifications through their website dashboards:

An alternative way to relay payment information to your customer would be to include the amount paid in the customer confirmation emails from SSA.

Use the following twig template for the notifications:

Payment Collected: {{ Appointment.payment_received }}

Conditional Twig If Customer Has Choice to Pay Later

{% if Appointment.payment_received != '0.00' %}
Payment collected: ${{ Appointment.payment_received }}
{% else %}
You chose to pay later.
{% endif %}

Will my customers automatically get a refund for canceled appointments?

Canceled appointments don’t automatically issue refunds to customers. You’ll have to manually issue the refund for the customer.

This is so that you can have complete control over your refund policy. This gives you the discretion to choose:

  • Full refunds
  • Partial refunds
  • or, no refunds

Read more on how to manage those, in our Managing Payments for Bookings guide.


Can I set up paid subscriptions or appointment packages?

At the moment, we don’t have the capability to create subscriptions to appointments or to sell packages. At the moment each booking can only have a single price and each one has to be booked one at a time.

We’re looking forward to integrating with WooCommerce which will allow for a more robust payment system.


Still stuck?

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