Troubleshooting & Reference · Article 7.6
"Stripe says my account isn't ready to accept payments"
Stripe Connect has two flags: `charges_enabled` (you can accept money) and `payouts_enabled` (Stripe can deposit to your bank). When either is `false`, the corresponding feature is gated. The fix is always: complete the missing onboarding step in Stripe.
Stripe Connect treats account verification as a continuous process. Even after initial onboarding you can be asked for additional documentation (proof of address, beneficial-owner ID, etc.) when transaction volume crosses certain thresholds. When that happens, charges or payouts pause until the requested document is uploaded.
Step by step
Open
/settings/paymentsin Clozo. The Stripe status block shows current flags.
Click
Continue Stripe verification.This deep-links into Stripe's onboarding where they show the exact missing item.
Upload / fill the missing piece.
Usually a passport scan, an address proof, or a beneficial-owner question.
Wait for Stripe to verify.
Usually 1-2 hours; can be up to 2 business days.
Re-check the flags.
Once
charges_enabled = true, your next proposal email will include the Stripe button again.
Why this works this way
When you first connect Stripe, you go through a guided flow that collects: business type, country, IBAN, ID document. Stripe processes this and sets the two flags:
- charges_enabled = true once they've verified enough to let you charge.
- payouts_enabled = true once they've verified enough to send funds to your bank.
These can come back to false later if Stripe requests follow-up info. The proposal email's payment CTA falls back to SEPA whenever charges_enabled = false — the proposal still flows end-to-end, just via bank transfer.
Troubleshooting
Keep reading
Configuration
Stripe Connect: enabling card payments end to end
Five minutes through Stripe's onboarding turns on card payments for every future proposal — no extra config, no separate Stripe dashboard to manage, payouts land in your IBAN.
Proposals & Invoices
SEPA bank transfer with EPC QR — when offered, how it works, what to put on the invoice
Every Clozo invoice includes IBAN, BIC, and an EPC-format QR code that any modern EU banking app scans into a pre-filled SEPA transfer. Works with or without Stripe enabled.
Configuration
Profile fundamentals: the six fields every invoice needs
Six fields turn a blank account into one Clozo can build legal invoices from — name, country, language, currency, tax regime, and address. Three are required to send anything at all.