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Stripe Connect integration

Pro feature

Stripe Connect is available on the Pro plan and above. Compare plans.

Accept payments from customers directly through invoiced jobs. Payments go straight to your bank account — FSM Navigator™ handles billing integration, compliance, and fee calculation so you can focus on your work.

What Stripe Connect does

  • Accept online payments on invoices you send to customers
  • Automatic payouts deposited directly to your bank account
  • Payment tracking visible in your dashboard in real time
  • Customer portal collection — customers pay from their portal without phone calls or manual follow-up

Fee structure

Component Amount
Platform fee 1.5 % per transaction
Stripe processing 2.9 % + $0.30

Example: On a $500 payment, Stripe processing is $14.80, the platform fee is $7.50, and you receive $477.70.

No hidden fees

There are no monthly fees, setup charges, or minimum transaction requirements beyond your Pro or Enterprise subscription.

Prerequisites

  • Active Pro plan subscription or higher
  • Owner role in FSM Navigator
  • A Stripe account (you can create one during setup or connect an existing account)

Connecting your Stripe account

  1. Navigate to Settings → Stripe Connect tab.
  2. Click Connect with Stripe.
  3. A Stripe authorization window will open — sign in or create your Stripe account.
  4. Authorize FSM Navigator to process payments on your behalf.
  5. Wait for the confirmation message to appear.
  6. Verify the account status shows Connected with a green indicator.

First-time Stripe users

If you don't have a Stripe account yet, the setup wizard walks you through creating one. You'll need your business details and bank account information.

Account status

Status Meaning
Active Fully operational — you can accept payments and receive payouts
Restricted Action needed in your Stripe Dashboard (e.g., identity verification)
Pending Verification is in progress — typically resolves within 1–2 business days

Your connection page also displays two capability indicators:

  • Card Charges — whether you can accept card payments
  • Payouts to Bank — whether Stripe can deposit funds to your bank account

Both must show as enabled for full functionality.

Customer payments

When you send an invoice, your customer receives an email with a Pay Now button. The payment flow is:

  1. Customer opens the invoice email.
  2. Clicks Pay Now to open the secure payment page.
  3. Enters their card details.
  4. Submits payment — a receipt is sent automatically.

Payments are reflected on the invoice immediately and tracked in your dashboard.

For more details on the customer experience, see Portal payments.

Enabling automatic tax

If you're registered to collect sales tax, Stripe can calculate the correct tax for every online payment — based on your customer's address and each jurisdiction's rules — instead of relying on the flat rate entered on the invoice.

  1. Log in to your Stripe Dashboard.
  2. Go to Tax → Registrations and add each state or country where you're registered to collect tax.
  3. There's nothing to configure in FSM Navigator — active registrations are picked up automatically, within 24 hours or the next time a customer opens one of your payment links.

Once your registrations are active, checkout changes in two ways:

  • Itemized lines. Your customer sees the invoice's labor, parts, and other lines individually at checkout, each carrying a product tax code so Stripe can tax it correctly. See Tax configuration for how lines are classified.
  • Stripe-calculated tax. Stripe calculates tax for the customer's jurisdiction at payment time and replaces any manually estimated tax on the invoice. The receipt and the recorded invoice reflect what was actually collected.

Set a default product tax code

In your Stripe Dashboard under Settings → Tax, set a default product tax code for your business. Any invoice line without a specific classification falls back to this default, so setting it keeps every line taxed the way you intend. If you skip this step, unclassified lines are sent as General - Services so payments still go through — but your own default is the more accurate choice.

Whether and where to register is your decision — FSM Navigator transmits the invoice details but doesn't provide tax advice. Talk to your accountant about where you have tax obligations.

Tax forms (1099-K)

FSM Navigator does not provide tax documents

Tax forms (1099-K) are issued by Stripe directly. Because you collect payments through your own connected Stripe account, Stripe is the processor of record and handles all tax reporting — FSM Navigator never generates or stores your tax documents.

Stripe creates a 1099-K when your account meets the IRS (and your state's) reporting thresholds for a calendar year. The form lives in your own Stripe Dashboard — the same account you signed in with when you connected.

Download your 1099-K

  1. Log in to your Stripe Dashboard with the credentials you used to connect.
  2. Open the Tax forms area (Settings → Tax forms, or go straight to dashboard.stripe.com/tax/forms).
  3. Select the tax year you need.
  4. Click Download to save the PDF for your records or your accountant.

No 1099-K showing up?

If no form appears for a year, your account most likely didn't reach the reporting threshold for that year — Stripe only issues a 1099-K once the thresholds are met. For questions about eligibility or the amounts on the form, contact Stripe support from your dashboard.

Disconnecting

Before you disconnect

Disconnecting Stripe stops all future payment collection on invoices. Outstanding invoices will no longer have a working payment link for customers.

To disconnect your Stripe account:

  1. Go to Settings → Stripe Connect tab.
  2. Click Disconnect.
  3. Confirm the action in the dialog.

Existing completed payments are not affected — all previous transaction records and payouts remain intact in both FSM Navigator and your Stripe Dashboard.

Security

  • Your Stripe credentials are encrypted at rest using industry-standard encryption
  • FSM Navigator never stores your customers' card numbers — all card data is handled by Stripe
  • You maintain full control of your Stripe account at all times
  • You can disconnect or revoke access whenever you choose

Troubleshooting

Account shows "Restricted"
Log in to your Stripe Dashboard and check for pending verification steps. Stripe typically requires identity documents or additional business information. Once resolved, the status updates automatically.
Payouts not arriving
Confirm your bank account details are correct in Stripe Dashboard. New accounts may have a 7–14 day initial payout delay. Check the Payouts section in Stripe for any holds or failures.
Connection failed
Make sure pop-ups are not blocked in your browser — the Stripe authorization opens in a new window. Try again from a different browser if the issue persists. If you see a timeout error, wait a few minutes and retry.

FAQ

What fees do I pay?

You pay the Stripe processing fee (2.9 % + $0.30 per transaction) plus a 1.5 % platform fee. There are no additional monthly or setup fees.

Can I use my existing Stripe account?

Yes. During the connection flow, sign in with your existing Stripe credentials instead of creating a new account. Your existing Stripe settings, customers, and payout schedule are preserved.

What happens to pending payments if I disconnect?

Any payments already completed will still be paid out to your bank on the normal schedule. However, customers will no longer be able to make new payments through invoice links.

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