Connect Stripe, show your client a card payment option, and understand the fees before you send an invoice.

Why take card payments?

Instant payment experience

Clients click “Pay by card” on the invoice, enter their card details, and it's done. The invoice marks itself paid the moment the card clears.

Straight into your account

Stripe pays out directly to your bank account. Invio uses Stripe Connect direct charges - your money, in your account, not held in escrow.

Connect Stripe in minutes

The setup happens once. After that, every invoice you send has a card payment option built in.

Open Settings → Payments

In your Invio account, go to Settings and click on the Payments tab.

Complete Stripe onboarding

Click 'Connect with Stripe'. Stripe's hosted flow verifies your identity (KYC) and links your NZ bank account. Takes around 5 minutes.

Send invoices as normal

A "Pay by card" button now appears on every invoice you send. Nothing else changes - your workflow stays the same.

Know exactly what you'll pay

No surprises. Card processing fees are clearly shown before you complete Stripe onboarding.

Stripe processing fee

~2.65% + $0.30 per successful card payment. Standard Stripe rate for Visa and Mastercard.

Invio platform fee

0.5% per card payment. This covers the Stripe Connect infrastructure that routes money directly to your account.

Pass fees to your client

You can opt to add a card payment fee at checkout so your client covers the processing cost, rather than absorbing it yourself.

NZD and NZ cards

Payments are in New Zealand dollars. Stripe handles currency conversion if a client pays from overseas.

A worked card payment

A $100.00 domestic card payment with fees absorbed by your businessEstimate before payout

What reaches your Stripe balance

Uses the 2.65% + $0.30 domestic Stripe estimate and 0.5% Invio fee.

Invoice payment$100.00

Estimated Stripe fee- 2.65% and $0.30-$2.95

Invio platform fee- 0.5%-$0.50

After these feespayment less both fees$96.55

This is a domestic card estimate before Stripe payout timing. International cards or currency conversion can cost more. If you pass fees to your client, the checkout amount changes.

Payouts and refunds

Getting paid and refunding

Once Stripe is connected, payments and refunds are handled right inside Invio:

Invoice auto-marks paid the moment the card clears - no manual update needed
Stripe pays out to your NZ bank account on Stripe's standard payout schedule
Need to refund? Issue a full refund from inside Invio - the client's card is refunded and the platform fee is returned to you
Partial refunds are handled directly through your Stripe dashboard

Use card payments with reminders

Combine with payment reminders

Send automatic overdue nudges and include a card payment link - clients can pay the moment they open the reminder.

Related guides

Payment reminders

Read

Recurring invoices