> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hitpayapp.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Standard Connect Integration

> Accept card payments with HitPay as a global merchant by connecting your Stripe Standard account.

<Warning>
  **Action required by 5 June 2026.** This affects HitPay users who accept card payments and are based **OUTSIDE** Singapore, Malaysia, the Philippines, and Indonesia. If you do not complete the migration before this date, your ability to accept card payments may be interrupted.
</Warning>

<Info>
  This guide is for merchants based **outside** Singapore, Malaysia, the Philippines, and Indonesia. If you are in one of those countries, card payments are already supported natively through HitPay.
</Info>

HitPay supports card payments globally through **Stripe Standard Connect**. This gives you a direct relationship with Stripe — your own Stripe Dashboard, your own payout schedule, and full visibility into your card transactions — while still accepting payments through HitPay.

## How it works

When you connect a Stripe Standard account to HitPay, card payments made through your HitPay payment links, online store, or integrations are processed via your Stripe account. Funds are paid out directly by Stripe to your bank account.

| Area                  | Details                                                                                                                                                                               |
| --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Fees**              | Stripe's standard processing rates apply directly to your account. HitPay charges 0.5% on transactions regardless of payment method — your HitPay dashboard reflects HitPay fees only |
| **Stripe Dashboard**  | You get full access to your Stripe Dashboard to view and manage your account directly                                                                                                 |
| **Fraud & disputes**  | You bear liability for fraud and disputes on direct charges                                                                                                                           |
| **Payouts & banking** | Payouts are controlled by Stripe — manage your banking details and payout schedule directly in your Stripe Dashboard                                                                  |

## Pricing

Card payments follow **Stripe's standard published rates** for your region, plus a **0.5% HitPay application fee** per transaction.

| Fee                        | Description                                                                                                                                        |
| -------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Stripe processing fee**  | Stripe's sticker rate for your region (e.g. 2.9% + 30¢ for US cards). See [Stripe's pricing page](https://stripe.com/pricing) for your local rate. |
| **HitPay application fee** | 0.5% per transaction, regardless of payment method                                                                                                 |

<Note>
  Stripe's processing fee is charged by Stripe and visible in your Stripe Dashboard. The HitPay application fee is charged separately and visible in your HitPay Dashboard.
</Note>

***

## Connect your Stripe account

<Steps>
  <Step title="Go to Payment Methods">
    Log in to your **HitPay Dashboard** and go to **Settings → Payment Methods**. You will see a **Cards (Stripe Standard Account)** option — click on it to begin.

    <img src="https://mintcdn.com/hitpay/yRLUTG8G8P9k656w/images/announcements/cards-migration-payment-methods.png?fit=max&auto=format&n=yRLUTG8G8P9k656w&q=85&s=aea86e6b6b935e6d163d2dfe29b691d8" alt="Payment Methods page showing Cards and Cards (Stripe Standard Account)" width="1440" height="846" data-path="images/announcements/cards-migration-payment-methods.png" />
  </Step>

  <Step title="Connect your Stripe account">
    The Stripe onboarding page will open. You can either:

    * **Connect an existing Stripe account** using your existing Stripe email, or
    * **Create a new Stripe account** with a new email address.

    Follow the prompts to complete the connection.

    <img src="https://mintcdn.com/hitpay/yRLUTG8G8P9k656w/images/announcements/cards-migration-stripe-connect-onboarding.png?fit=max&auto=format&n=yRLUTG8G8P9k656w&q=85&s=af1814b0472e7be9b6b76dd1597da217" alt="Stripe onboarding page showing Get started with Stripe" width="1440" height="846" data-path="images/announcements/cards-migration-stripe-connect-onboarding.png" />
  </Step>

  <Step title="Complete the onboarding form">
    Fill in your business details as requested by Stripe. This may include business information, identity verification, and banking details. Complete all steps to activate your card payment capability.
  </Step>

  <Step title="Confirm your account is active">
    Once done, you will see **Stripe Standard Connect** shown as active in your Payment Methods page. When you log in to your Stripe Dashboard, you will see the HitPay logo alongside your company logo — this confirms your Standard account is successfully linked to HitPay.

    <img src="https://mintcdn.com/hitpay/yRLUTG8G8P9k656w/images/announcements/cards-migration-stripe-dashboard-confirmation.png?fit=max&auto=format&n=yRLUTG8G8P9k656w&q=85&s=becfe35d24b8d6f8806b13809ac2f69f" alt="Stripe Dashboard showing HitPay Payment Solutions under the account name" width="401" height="100" data-path="images/announcements/cards-migration-stripe-dashboard-confirmation.png" />

    <img src="https://mintcdn.com/hitpay/yRLUTG8G8P9k656w/images/announcements/cards-migration-active-confirmation.png?fit=max&auto=format&n=yRLUTG8G8P9k656w&q=85&s=b7982fa6aea8edd60b7556b9bd8fda6a" alt="Payment Methods page showing Cards (Stripe Standard Account) as Active" width="3166" height="534" data-path="images/announcements/cards-migration-active-confirmation.png" />
  </Step>
</Steps>

The process typically takes a few minutes. You will see a confirmation once your account is successfully connected.

***

## Terminal setup

If you use HitPay terminals, some additional steps are required after connecting Stripe Standard.

**WiFi Terminals**

WiFi terminals must be re-registered after connecting your Stripe Standard account:

1. Go to **Point of Sale → Card Terminals** in your HitPay Dashboard.
2. For each WiFi terminal, open the terminal details.
3. Select **Delete Terminal**, then **Register Terminal** to re-add it.
4. Repeat for every WiFi terminal.

<Warning>
  WiFi terminals will not work until you complete this re-registration process.
</Warning>

**Tap to Pay**

You may need to reconfigure Tap to Pay after connecting:

* Open your HitPay App > More > Terminal > Forget Terminal
* Reinitiate Tap to Pay pairing

**Bluetooth Terminals**

Bluetooth terminals are not affected and will continue to work as normal.

***

## FAQ

<AccordionGroup>
  <Accordion title="What is Stripe Standard Connect vs Custom Connect?">
    HitPay partners with Stripe to process card payments. There are two ways this connection can be set up:

    |                                | Stripe Custom Connect                                                                              | Stripe Standard Connect                                                                    |
    | ------------------------------ | -------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------ |
    | **How it works**               | HitPay manages the Stripe connection on your behalf. You interact with Stripe through HitPay only. | You have a direct relationship with Stripe. You connect your own Stripe account to HitPay. |
    | **Stripe Dashboard**           | Not available to you directly                                                                      | Full access to your own Stripe Dashboard                                                   |
    | **Verification**               | Handled through HitPay                                                                             | Handled directly with Stripe                                                               |
    | **Disputes & fraud liability** | Managed by HitPay                                                                                  | You handle directly with Stripe                                                            |
    | **Payouts & banking**          | Managed by HitPay                                                                                  | You set up and manage directly with Stripe                                                 |

    <Note>Standard Connect gives you more direct control and visibility into your Stripe account, while Custom Connect kept most of that behind the scenes.</Note>
  </Accordion>

  <Accordion title="Why is HitPay using Stripe Standard Connect?">
    HitPay uses Stripe Standard Connect for several reasons, both for platform integrity and to better protect merchants.

    1. **Reducing chargeback and fraud risk**

    2. **Aligning with Stripe's platform requirements**

    3. **Better experience for merchants**

    Standard Connect unlocks benefits that Custom Connect does not offer:

    * **Full Stripe Dashboard access** — view transactions, payouts, disputes, and account health directly
    * **Direct Stripe support** — you can contact Stripe directly for account-level issues, not just through HitPay
    * **More transparency** — see exactly how your card payments are processed and settled
    * **Consistent onboarding** — your setup mirrors how new HitPay users in your region are onboarded today
  </Accordion>

  <Accordion title="How does this affect refunds?">
    Refunds are not affected. You can continue to initiate refunds the same way — either from the HitPay dashboard or directly from your Stripe dashboard.

    Please note that transaction fees collected on the original payment are not returned as part of a refund.
  </Accordion>

  <Accordion title="Where can I view my payout schedule and balance?">
    Your payout schedule and available balance are managed directly through your Stripe account. You can view and configure these in your [Stripe Dashboard](https://dashboard.stripe.com) under **Balances** and **Payouts**.

    These details are not visible in your HitPay dashboard.
  </Accordion>

  <Accordion title="Which countries are supported?">
    Stripe Standard Connect through HitPay is available in the following countries:

    |                     |                    |                    |                           |
    | ------------------- | ------------------ | ------------------ | ------------------------- |
    | Australia (AU)      | Austria (AT)       | Belgium (BE)       | Bulgaria (BG)             |
    | Canada (CA)         | Croatia (HR)       | Cyprus (CY)        | Czech Republic (CZ)       |
    | Denmark (DK)        | Estonia (EE)       | Finland (FI)       | France (FR)               |
    | Germany (DE)        | Gibraltar (GI)     | Greece (GR)        | Hong Kong (HK)            |
    | Hungary (HU)        | India (IN)         | Ireland (IE)       | Italy (IT)                |
    | Japan (JP)          | Latvia (LV)        | Liechtenstein (LI) | Lithuania (LT)            |
    | Luxembourg (LU)     | Malta (MT)         | Mexico (MX)        | Netherlands (NL)          |
    | New Zealand (NZ)    | Norway (NO)        | Poland (PL)        | Portugal (PT)             |
    | Romania (RO)        | Slovakia (SK)      | Slovenia (SI)      | Spain (ES)                |
    | Sweden (SE)         | Switzerland (CH)   | Thailand (TH)      | United Arab Emirates (AE) |
    | United Kingdom (GB) | United States (US) |                    |                           |

    If your country is not listed, contact **[support@hit-pay.com](mailto:support@hit-pay.com)** for assistance.
  </Accordion>

  <Accordion title="How does Stripe Radar fraud detection work?">
    With Stripe Standard Connect, Stripe Radar fraud detection rules are applied based on **your own Standard Stripe account's rules** — not HitPay's rules.

    This means:

    * **Your Radar rules apply.** Any Radar rules you configure in your Stripe Dashboard are the ones that run on your transactions.
    * **HitPay's Radar rules do not apply.** HitPay's internal fraud rules are not inherited by your Standard account.
    * **You are responsible for your fraud configuration.** You can set up custom Radar rules, review flagged payments, and manage blocklists directly in your [Stripe Dashboard](https://dashboard.stripe.com) under **Radar**.

    If you previously relied on HitPay to manage fraud rules on your behalf, you should review and configure your own Radar rules after connecting. Learn more in [Stripe's Radar for Connect documentation](https://docs.stripe.com/connect/radar).
  </Accordion>
</AccordionGroup>

***

## Need help?

Contact **[support@hit-pay.com](mailto:support@hit-pay.com)** and include your registered email address.