Configuration · Article 3.4
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.
Stripe Connect is the standard way Clozo enables online card payments for you. You don't get a separate Stripe login to manage — you onboard once through Stripe's hosted flow, Clozo links your account, and from then on every proposal automatically offers a "Pay with card" button on the invoice. The money lands in your bank account on Stripe's default payout schedule (typically 7 days after the first charge, then daily).
Step by step
Open Settings → Payments.
Click
Connect Stripe. You'll be redirected to a Stripe-hosted page outside Clozo.Fill the Stripe onboarding form.
Stripe asks for: legal entity type (sole trader / company / non-profit), full name, date of birth, address, tax ID (VAT or national ID), business website (optional but recommended), business IBAN. Have these ready before you start — the flow times out after 30 minutes of inactivity.
Upload an ID document.
Stripe will ask for a passport or national ID scan. They use this for KYC. Acceptance is usually instant for EU passports and national ID cards; a few jurisdictions take 24-48 hours to process.
Return to Clozo.
Stripe redirects you back to
/settings/payments. The Stripe Connected card now shows your account ID (acct_...),charges_enabled, andpayouts_enabled.Wait for both flags green.
If
charges_enabledis True butpayouts_enabledis False, Stripe is still verifying your bank account. Open the Stripe dashboard from/settings/paymentsto see exactly what's pending; once you address it (usually a confirmation email with a microdeposit code), the second flag flips within minutes.
Why this works this way
Clozo uses Stripe Connect's "Direct Charges" architecture, which means the legal merchant of record on every charge is you, not Clozo. Your name is on the customer's card statement, refunds come out of your balance, disputes are filed against you, and you receive Stripe's full balance reports under your own Stripe account ID. This is intentional: it makes Clozo a software platform, not a regulated payment processor, and it keeps you in full ownership of the customer relationship. The trade-off is that you, not Clozo, are responsible for KYC (Know Your Customer) — which is what the Stripe onboarding form collects.
The two booleans Stripe returns after onboarding tell you how usable your account is. charges_enabled = True means Stripe accepted your account and you can take payments. payouts_enabled = True means Stripe will also send the money to your bank — this can lag charges_enabled by hours or days while Stripe verifies your bank account or asks for additional documents (a utility bill, a passport scan, proof of business registration). Until both are green, you can take a payment but the funds sit in your Stripe balance until the second flag flips. Clozo surfaces both states on /settings/payments so you can see at a glance which (if either) is blocking.
Troubleshooting
Keep reading
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.
Configuration
IBAN and BIC: enabling SEPA bank transfers and EPC QR codes
Add your IBAN and BIC and Clozo prints them on every invoice plus an EPC QR code your client can scan from their bank app — no Stripe required.
Quick Start
Get paid: what happens after your client signs
The moment your client clicks `Sign`, Clozo issues the deposit invoice, sends a payment-request email, and starts watching for the money to arrive. Here's the play-by-play.