You get paid. The money never passes through us.
Every order is charged into a Stripe account that is yours, and the payment goes straight to your bank. TalkToCart keeps no percentage of the sale, large or small: what you pay for is the plan, and nothing else.
- 0% commission per sale
- The money goes to your bank
- No existing Stripe account needed
The €16.60 on that order are yours
This is not a marketing promise, it is how the charge is built: the payment is created against your Stripe account and without asking for a cut for us. There is no point along the way where the money from an order sits in a TalkToCart account.
- Zero per cent on the sale, whether you take €300 or €30,000 a month
- The only thing deducted is Stripe's card fee, which you pay Stripe under your own terms
- The plan costs the same in a good month and in a bad one
You don't need to have one already
The account is created from the panel and verified right there: your business details, your bank account and whatever documents Stripe asks for. Once Stripe is satisfied, the shop can start taking payments.
- Sign-up, documents and bank details inside the panel, without leaving for another site
- Your balance, the payments received and the transfers to your bank, on the same screen
- Until Stripe enables card payments, the shop says so instead of letting you sell with no way to charge
Every paid order comes with its invoice
The VAT rate carried by each product travels with the charge, so the invoice does not have to be rebuilt by hand afterwards. It carries the order number inside, which is what lets you match a payment to an order three weeks later.
- Each product's VAT goes through as the order's tax rate
- A Stripe invoice for every order paid, with the order number as a field of its own
- Your payments, your invoices and your refunds live in your account, not in ours
On the spot, or when they come to pick it up
An order can go out paid or stay pending: that is your call, not the product's. If the customer came in through WhatsApp, Instagram or Facebook, the payment link is sent through that same chat.
- Pay when the order is finished, from the shop
- Leave it pending and charge at the counter as always
- Send the payment link through the chat, so they pay when they can
- Every order carries its payment state: pending, paid, failed or refunded
What people ask before connecting payments
Do you really take no commission?
No commission. The charge is created against your own Stripe account with no share reserved for us. The money from an order never passes through TalkToCart.
So what is deducted from each order?
Stripe's card fee, which is an agreement between Stripe and you, on whatever terms you have with them. Their rates are published on their pricing page.
When does the money reach my bank?
Stripe decides that with your account's payout schedule, not us. You can see your balance and your transfers from the panel itself.
Can I take cash only and still use the rest?
Yes. Online payment is optional: if you don't connect Stripe, the shop still takes orders and you charge at the counter as always.
What about refunds?
They are made from your Stripe account, which is where the money is, and the order is marked as refunded.
Can I charge in another currency?
The shop charges in the currency you set; euros by default. Each shop has its own, so two places in two countries don't get in each other's way.
Connect payments and keep the whole sale
Opening the account takes less time than reading a delivery platform's small print.