Connect Stripe and check your payment settings
Tobias Gundry
Updated
Clovo never holds your money. Every card and bank payment your studio takes runs through your own Stripe account, and Stripe pays out to your bank. That split is worth understanding, because it decides which questions have an answer in Clovo and which only have one in Stripe.
Where to look
Go to Setup → Stripe. Everything below lives on that one screen.
The three states you might see
Start accepting payments — no Stripe account is connected yet. Connect with Stripe takes you through creating or linking one. Until this is done, your studio cannot take a payment at all.
Finish setting up Stripe — onboarding began but was not completed. This is the state studios get stuck in: Stripe still wants a document, a bank account, or a business detail. Finish setup returns you to exactly where you stopped. Payments will not run while you sit here.
Stripe integration active — connected and ready. Account settings opens your Stripe account details without leaving Clovo.
Two things gate the screen before any of that:
- Your studio must be verified by Clovo. Until it is, the Stripe card is shown greyed out as a preview of what becomes available.
- Your own email address must be verified. If it isn't, you will be asked to verify it — there is a Resend verification email button right there.
What you can change here, and what you can't
This is the distinction that saves the most time.
In Clovo:
- BECS Direct Debit — whether Australian bank-account payments are offered at checkout. See How to disable direct deposit and, before you turn it on, Wait for BECS Direct Debit payments to clear.
In Stripe:
- Enabled Payment Methods — the list on this screen is read from your Stripe account. Clovo shows you what customers can pay with; it does not decide it. To add Apple Pay, Link, or anything else, change it in your Stripe dashboard and it will appear here.
- Payouts — how often Stripe sends money to your bank, and which bank.
- Refunds on individual charges.
- Disputes and chargebacks.
If you cannot find a payment setting in Clovo, that is usually the answer: it is a Stripe setting.
Who can change it
Changing the BECS Direct Debit switch needs the Owner or Finance role, a verified email address, and completed Stripe onboarding. If the switch is missing or won't save, work down those three in that order.
When a payment needs attention
Start from the record, not from this screen:
- A membership renewal that did not clear is in Operations → Failed Payments, with Stripe's own decline reason and the next retry.
- A class booking that failed after a card payment was captured is a different case — see Find out why a booking failed, and refund the captured payment in Stripe before trying again.
- A front-desk sale is on the client's own record; see Take a payment from a client at the front desk.
Come back to Setup → Stripe when the question is about the connection itself — payments not running at all, a payment method missing from checkout, or money not arriving in your bank.
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