💳 Stripe Payments

Accept card payments — no terminal needed

CafeOS uses Stripe Connect. Your customers pay by card, Apple Pay, or Google Pay. The money lands directly in your Stripe account — not held by us. No monthly subscription. Only a small platform fee per transaction.

How payments work in CafeOS

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Your Stripe account

You connect your own Stripe account via Stripe Connect Express. Payments go directly to your account. CafeOS never holds your money.

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Direct payouts

Stripe pays out to your bank account on your chosen schedule. CafeOS takes a small platform fee per transaction — that's it.

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All major payment methods

Visa, Mastercard, Amex, Apple Pay, and Google Pay — all accepted out of the box. No additional setup per payment method.

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POS cash & card

Staff can take card or cash payments through the built-in POS. Cash orders are recorded manually. Both appear in your analytics.

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Reservation deposits

Deposits are captured via Stripe at the time of booking. They credit automatically against the final bill when guests arrive.

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Stripe-level security

All payment processing is handled entirely by Stripe — PCI DSS compliant, with built-in fraud detection and 3D Secure support.

What is Stripe Connect — and why it matters

Most restaurant platforms pool all venue payments through one account and pay out weekly. CafeOS uses Stripe Connect so each venue keeps full control of its own money.

Your money, your timeline

With Stripe Connect Express, every payment from your customers lands in your own Stripe account. You control when Stripe pays out to your bank. There is no weekly batch payment, no platform holding your cash.

Full transaction history

Every transaction is visible in your Stripe dashboard with full detail. You have complete records for accounting, VAT reporting, and audits — independent of CafeOS.

No monthly subscription

CafeOS charges a small platform fee per Stripe transaction — only when you process a payment. There is no monthly fee, no setup cost, and no long-term contract. If you have a slow week, you pay nothing.

Transparent fee structure

Your total cost per transaction is Stripe's standard processing fee plus the CafeOS platform fee. Both are deducted automatically before payout. No invoices, no surprises.

Common questions

Do I need to buy a card reader or terminal?
No. CafeOS processes payments through the browser — customers pay on their own phone via the QR menu, or staff take card details through the browser-based POS. No physical card terminal is required.
Do I need an existing Stripe account?
You can create a free Stripe account at stripe.com if you don't have one. The CafeOS setup wizard walks you through connecting your Stripe account via Stripe Connect Express onboarding.
What is the platform fee?
CafeOS charges a small percentage fee per Stripe transaction. This fee covers platform maintenance and infrastructure. The fee is deducted from each transaction before Stripe pays out to your account.
Can customers pay cash?
Yes. Staff can record cash payments through the POS. Cash orders are tracked separately in your analytics and are not subject to the platform fee.

Start accepting card payments today

No terminal. No monthly fee. Connect Stripe and go live in minutes.