Getting Paid: Stripe or Square

WagDay takes payments through your own Stripe or Square account. Money settles directly to your facility — WagDay never holds your booking revenue. Only Admins can open Settings → Payments or change the connection.

One provider per facility

Your facility uses a single payment provider for everything — online checkout and in-person payments alike. Two rules follow from that:

• You can't switch providers once one is connected. To change, you disconnect the current provider first (see below).
• Pick the provider that matches how you already trade — if your front counter runs Square, connect Square so online and counter payments land in one place.

Connecting Stripe

1. Go to Settings → Payments and select Set up payments (or Continue onboarding if you've started before).
2. Complete Stripe's hosted onboarding — business details, your ABN, and the bank account payouts go to.
3. You'll land back on the Payments settings page, which shows Connected — accepting payments once Stripe enables charges.

If an onboarding link expires before you finish, don't start over: returning through the expired link makes WagDay mint a fresh one and drop you straight back into onboarding.

While onboarding is incomplete, the page lists Stripe's outstanding requirements in plain English — things like Government ID number, Photo ID document, Business tax ID (ABN), Bank account for payouts or accepting Stripe's terms of service — so you know exactly what's holding activation up.

Once Stripe is live

The settings page also reports these account states (all read-only — changes happen in your Stripe Dashboard):

• Link - shows whether Stripe's faster checkout is enabled in the payment method configuration used by your connected account. If it shows Off in Stripe, enable Link in that account's Stripe Dashboard. Status unavailable means WagDay could not read the setting; it does not stop card checkout.
• GST reporting — when your Stripe account has an Australian GST tax registration, the 10% GST is recorded as an inclusive component of hosted checkout payments via Stripe Tax. If it shows off, add the registration in your Stripe Dashboard under Tax → Registrations. See GST and tax settings.
• BECS Direct Debit — shows Enabled when you can take AU bank-debit payments, or being set up while Stripe activates the capability (it may ask for extra details in your Stripe Dashboard).
• Payouts — your payout cadence (for example Manual (you trigger payouts) or Weekly (7-day rolling)). The schedule itself is owned by your Stripe account — change it under Manage payout schedule & account details in your Stripe Dashboard.
• Upcoming requirements — when Stripe needs extra details from you (for example a document or updated business information), the page warns you ahead of time and shows the deadline. Update your details in your Stripe Dashboard before that date so payments aren't interrupted.
• Card decline rules — read-only, showing how your Stripe account treats failed CVC and AVS checks. We recommend declining failed CVC checks while allowing failed AVS checks, since postcode verification is uncommon for Australian cards; change these in your Stripe Dashboard if needed.

Disconnecting Stripe

Disconnect Stripe frees the facility to pick a provider again. Two things to know:

• Disconnect is blocked while you have live recurring payment plans or paid memberships on Stripe — cancel those first.
• After disconnecting, the old account is retained in a refund-only capacity, so refunds on payments you captured before the switch still work.

Stripe Terminal (in-person payments)

Facilities on Stripe can take in-person card payments with a Stripe card reader (Stripe Reader S700 or S710, or BBPOS WisePOS E — all accept eftpos). Readers belong to a location, so a facility with two sites registers a reader at each and a charge always goes to a reader at the booking's own location.

Once your Stripe account can take payments, the In-person payments (Stripe Terminal) section appears under Settings → Payments (owners and admins only):

1. On the reader, open Settings and choose Generate pairing code.
2. In WagDay, pick the location, give the reader a name staff will recognise (for example Front desk), enter the code and select Register reader.
3. The first reader at a location becomes its default. Use Make default to change it, or Remove to take a reader out of service. A reader can't be removed while a payment is in progress on it.

To take a payment, open the booking and select Charge on Terminal (choose the reader if the location has more than one). WagDay sends the amount still owing to the reader, and the customer taps, inserts or swipes their card there — tips aren't collected on the reader. The booking shows Waiting for card… until Stripe confirms the payment, then updates on its own. If the card is declined you'll see the reason and can try again. Select Cancel charge if the customer walks away; a charge the customer has already paid is never cancelled and is recorded as soon as Stripe confirms it. Amounts include GST, and the customer's receipt shows the GST component.

Refunds of reader payments work the same way as online refunds (including eftpos cards) and go back to the card that paid.

Connecting Square

1. Go to Settings → Payments and select Connect on the Square card.
2. Authorise WagDay on Square's sign-in page (standard OAuth — you log in with Square, not with us).
3. Back on the settings page you'll see Connected — accepting payments on your Square account, or finishing setup while your Square location resolves.

Square connection states to recognise:

• Needs re-connect — the authorisation has expired or WagDay needs new permissions. Re-run the Connect flow to keep taking payments without interruption.
• Disconnected — the connection was revoked; reconnect to resume Square payments.
• Couldn't load your Square connection status — refresh the page; your connection may still be active, and WagDay won't offer a fresh connection until it knows otherwise.
• Couldn't fully disconnect — payments are off, but the link at Square's end didn't come down cleanly. Use Retry Disconnect and finish removing it before reconnecting.

Square Terminal (in-person payments)

Once Square is connected, the In-person payments (Square Terminal) section lets you pick which paired terminal POS charges are sent to: choose Find Square Terminals, then select the device. Pairing the physical terminal itself happens on the device or in your Square Dashboard.

To take a payment in person, open the booking and select Charge on Terminal. WagDay sends the amount still owing on the booking to your terminal, and the customer taps, inserts or swipes their card there. The booking updates as soon as Square confirms the payment. While a charge is waiting on the terminal the button is greyed out, so the same booking can't be sent twice; if the customer cancels on the terminal, the button comes back. The button only appears for unpaid bookings that haven't been cancelled or checked out, and only once a terminal is selected above.

Recurring payment plans and memberships on Square

When recurring payments are switched on for your facility, Square facilities can set up instalment plans and paid memberships just like Stripe facilities. A few things work differently on Square:

• The customer needs a card saved on your Square account before you can start a plan or a paid membership for them.
• Pausing takes effect at the end of the current billing period. The charge Square has already taken for this period stands, and the next one isn't taken. You can't pause a plan on a day it charges — pause it the next day, or cancel it.
• Cancelling a plan stops all future charges. Charges already made aren't refunded automatically; refund them from the payment if you need to.
• A failed charge doesn't stop the plan. Square retries the saved card, and the plan shows the failure until a charge goes through.

Disconnecting Square

Square disconnect is refused while you still have Square payments inside their refund window — refund them or wait for them to settle first. It's also blocked while live Square recurring plans or paid memberships exist — cancel those first. This keeps refund-eligible money reachable; once the window is clear, disconnect normally.

Related

• Invoices, payments and refunds
• GST and tax settings