> ## Documentation Index > Fetch the complete documentation index at: https://vexioncards.mintlify.site/llms.txt > Use this file to discover all available pages before exploring further. # Stripe Connect > Sell gift cards online, with Stripe handling the payment and the money going straight to your account. **Stripe Connect** lets you sell **digital gift cards online**. Customers buy from a link, pay by card or Apple Pay / Google Pay, and the money goes to **your own Stripe account**. The recipient gets the gift card with the balance already loaded. > [!NOTE] > > This powers **online** gift-card sales. Selling gift cards in person at the till does not need Stripe Connect. ## How it works behind the scenes VEXiON cards does not hold your money. When a customer pays for a gift card: 1. The payment is processed by **Stripe** and lands in **your own connected Stripe account**. 2. Two fees are taken automatically at the source, nothing to invoice or pay separately: the VEXiON cards **platform fee** (**2% by default**), and **[Stripe's own payment-processing fee](https://stripe.com/en-sk/pricing)**, charged separately by Stripe per its published pricing. 3. Stripe **pays out** the remaining balance to your bank account. VEXiON cards sets your payout schedule to **monthly** by default, paid out on the **1st of the month**: one bank transfer that matches your monthly statement and commission invoice, so bookkeeping stays simple. VEXiON sets this once, when your Stripe account is created. You fully own your Stripe account, so you can change the schedule any time in your own Stripe Dashboard, under **Settings → Payouts** (daily, weekly, or monthly). If the monthly default could not be set when your account was created, Stripe's own default schedule applies, so check it under **Settings → Payouts**. Before you connect, the Stripe Connect tile says the money goes to your bank "within 2 business days". With the monthly default, payouts are made once a month as described here. 4. The gift-card balance is created in VEXiON cards and is ready for the recipient to spend. > [!NOTE] > > Stripe holds each payment for a short period before it can be paid out (Stripe sets the length for your account), so sales from the last days of a month roll into the following month's payout. When you get the full monthly statement, its CSV shows exactly which sales are inside each payout. Because the money goes to your Stripe account, **you own the funds and the account**. VEXiON cards is only the connection and the loyalty layer on top. ## The fee Every online gift-card sale has **two separate deductions**, taken automatically before the money reaches you: 1. The **VEXiON cards platform fee**: **2% of the sale** by default. VEXiON can set a different rate for an individual business. Your monthly statement shows the rate that was applied. 2. **Stripe's own payment-processing fee**, charged separately by Stripe per [its published pricing](https://stripe.com/en-sk/pricing) for your account. There is **no monthly fee** and nothing to invoice yourself, both fees come off automatically at the source. Both fees are itemized per sale in the CSV of your monthly statement (see below). The exact Stripe fee depends on Stripe's pricing for your account. > [!NOTE] > > Online gift-card sales are final: there is no self-service refund, and the buyer explicitly waives the 14-day withdrawal right at checkout. In the rare case of a card dispute or chargeback, the disputed amount is handled through Stripe. VEXiON does not pay the platform fee back in Stripe. After a chargeback, the fee on that sale is left out of your monthly commission invoice, or credited on your next one if that month was already invoiced. VEXiON never refunds a gift card, see [Disputes and refunds](#disputes-and-refunds). ## Before you connect Connecting sets up a Stripe account for your business. Stripe is legally required (EU anti-money-laundering rules) to verify your business and the people behind it before it can pay you out. No setting can skip this. **VEXiON cards pre-fills what it already has** (your company name, address, and business phone, and for Slovak and Czech companies also the business registration number and tax ID), so you mostly confirm. Stripe Connect is available for businesses registered in the EU and the UK. ### Have ready (this is what we cannot pre-fill) These are the genuinely new items Stripe will ask for. For each person involved (see below), have: * **Date of birth** * **Home / residential address** (city, street and number, postal code) * **Phone number** * Your company's **bank account details (IBAN)** for payouts > [!TIP] > > For a typical single-owner company, the representative, owner, and director are **the same person**, so in practice you fill in one person's details, not three. With that person's date of birth, home address, phone, and the company bank details to hand, the whole setup takes only a few minutes. ### You confirm (pre-filled by us) Business / legal name, registered address, business phone, product description (gift cards), and customer-support phone. For Slovak and Czech companies also the business registration number, tax ID, and VAT number if you have one. ### You add (not pre-filled) * **Industry** (the type of business you run). * **Website**. * **Statement descriptor**: the short text that appears on the customer's card statement. ### The people Stripe needs | Person | Who | What Stripe needs | | - | - | - | | **Representative** | The person activating the account | Name, email, date of birth, home address, phone, role | | **Owners** | Anyone owning **25% or more** | Name, email, date of birth, home address | | **Directors** | Each director | Name, email, date of birth, home address, role | > [!NOTE] > > If you are a **sole trader / self-employed**, there are no separate owners or directors, just you. ### Documents (usually not needed) Documents are **not** required up front. Stripe only asks for one if it cannot verify a detail automatically. If that happens, it may request a photo or scan of an **ID** (national ID or passport), a **proof of address**, a **business register extract**, or **proof of bank-account ownership**. Most businesses never upload anything. ## Connecting your Stripe account **1. Open Stripe Connect** Go to **Settings → Integrations** and expand **Stripe Connect**. **2. Review the fee and start** You will see the 2% fee explained. Tick the box "I agree to the 2% VEXiON cards fee and the Stripe Connect terms of service.", then click **Connect with Stripe**. **3. Complete the Stripe onboarding** Stripe opens its own secure page, where you fill in (or confirm) the details above. Your progress is saved, and you return to VEXiON cards afterwards. Stripe may need to verify some details before it enables payments. **4. Wait for Payments active** When your account is ready, the tile shows a green **Payments active** status. You can now sell gift cards online. ## When it is connected Once connected, the tile shows: * Your **Stripe account** (for example `acct_...`) with a green **Payments active** status. * The **fee** note: "The platform fee is a flat 2% of every gift card sold. Payouts and statements are managed in your Stripe Dashboard." * The **More** menu (three dots) with **Open Stripe Dashboard** and **Disconnect Stripe**. **Open Stripe Dashboard** opens your Stripe account, where you manage **payouts and statements**. **Disconnect Stripe** stops online gift-card sales (see below). A purple **Open Stripe Dashboard** button also sits under the tile. ## Selling a gift card online After Stripe Connect is active, turn on **online sales** for a gift card, then **share its link** (for example on your website, Instagram bio, or in a message). Customers buy from that link. ### What the customer experiences **1. Pick an amount** The customer opens your gift-card link and chooses a preset amount. **2. Pay** They pay by card, Apple Pay, or Google Pay. The payment is secured by Stripe. **3. Delivery** The gift card is delivered (by email or SMS), with the balance already loaded, ready to spend. ### Your sale email For every paid sale you get one email, see [Gift Card](https://vexioncards.mintlify.site/knowledge-base/gift-card.md#sales-top-ups-and-emails). ### Unfinished purchase reminder When a buyer starts paying online and does not finish, VEXiON can send the buyer one reminder email: * At most one email for that purchase, within 48 hours of the start of the payment. A late reminder is never sent. * At most one reminder per email address in 30 days, across all businesses on VEXiON. * Only to the buyer, never to the person the card is for. * With a one-click unsubscribe link. No discount, and no pressure to hurry. * Its button continues the same order. The button works only while the order is still unpaid. * Only for purchases started after the gift card terms changed on 11 October 2026. You do not need to switch anything on. You never see the reminder. The reminder follows clause 8.2 of the [gift card terms](https://www.vexioncards.one/gift-card-terms). ## Your monthly documents VEXiON sends the monthly email on the 1st of the month, at about 07:00 Bratislava time, for the month that just ended. It goes to your billing email, in your billing language. * **No email** is sent for a month with nothing to invoice. That includes a month where refunds or fee credits leave no fee to invoice: the credit is carried into a later month. * **Company billing details** are needed. If your account has no company name in its billing details, VEXiON issues no invoice and no email until it has. If the billing details have no email address, the invoice is issued but the email is not sent, and you find the invoice under **Settings → Billing → Invoices**. The email has two forms. **When the month's Stripe payouts could be matched** (the payouts that arrived in that month include VEXiON gift-card sales), you get the full monthly statement: * A **summary for the month**: number of sales, gross sales, refunds, Stripe fees, the VEXiON cards fee, net amount paid out to your bank, other payments on your Stripe account that are not VEXiON sales, and a breakdown per location. * **Attached**: the **commission invoice** PDF. * **Attached**: a detailed **CSV** with every sale in those payouts: date, gift-card number, Stripe payment reference, location, gross amount, Stripe fee, VEXiON cards fee, net amount, and the number and date of the bank payout the sale belongs to. Your accountant can match every bank transfer to the exact sales inside it. **When the payouts could not be matched** (no such payout arrived in that month, Stripe could not be reached, or there is no connected Stripe account), you get a shorter email with the number of sales, the sales total and the fee total, plus the commission invoice PDF. There is **no CSV** in this form. The statement follows the payouts that arrived in the month. The commission invoice covers the fee on sales made in the month. A sale at the end of a month is paid out in the next month, so the two can differ for that reason. The commission invoice is already marked as paid, because the fee was collected automatically at the source. If the PDF is missing from the email, you find it under **Settings → Billing → Invoices**. ### VAT on the commission invoice VEXiON issues the commission invoice to your company billing details. The fee is treated as a price that already includes VAT, so the invoice total equals the amount that was deducted. The VAT rate follows the country in your billing details: | Billing country | VAT on the invoice | | - | - | | Slovakia | 23% | | Another EU country, with a VAT number in your billing details | 0%, reverse charge (the invoice carries the reverse-charge note) | | Another EU country, without a VAT number | 23% | | Outside the EU | 0% | ### VAT on the gift card itself The [gift card terms](https://www.vexioncards.one/gift-card-terms), clause 4.3, say that a voucher is as a rule a multi-purpose voucher: VAT is applied only when it is used with the merchant, not when it is bought. They also say the proof of purchase is not a tax document, and that the merchant issues one when the voucher is redeemed. The online checkout adds no tax at the time of sale. > [!NOTE] > > Ask your accountant how to book online gift-card sales. The monthly statement is a reconciliation aid for matching bank payouts, not a revenue document, and it says so. Commission invoices also appear in the app, under **Settings → Billing → Invoices**. Need more than the monthly statement? Detailed program reports (transactions, redemptions, balances, per location) can be requested any time in the app, on the gift card page under **Analytics → Request report**, as Excel, CSV, or PDF. Request report is part of VEXiON PRO. Generated reports appear in the **Recent reports** list and are emailed to you when ready. Online sales are attributed to a location automatically via the purchase link, and till top-ups are attributed to the location chosen in the scanner, so per-location numbers work correctly for multi-location businesses. ## Disputes and refunds VEXiON never refunds a gift card, and it never moves money back. Two things lock the voucher balance: * **A chargeback**: the buyer's bank opens a dispute and takes the money back. * **A refund you make yourself** in your own Stripe Dashboard. When the balance is locked: * The card can no longer pay at any till or from the wallet. * The card's [Activity](https://vexioncards.mintlify.site/knowledge-base/card-activity-customers.md#gift-cards) shows a **Gift card locked** row, with the Source **System**. * In the sale's detail panel, the **Balance** shows **Locked**, and the **Where** section gives the **Reason**: **Bank dispute (chargeback)** or **Refund in Stripe**. After a chargeback, the **Payment** shows **Blocked after dispute**. * The locked money no longer counts in **Sold**. * The money stays wherever Stripe or the bank moved it. A partial refund locks only the refunded part. The detail panel shows **Partly locked** with that amount, and the rest of the balance stays spendable. When the refund leaves nothing on the card, the whole balance is locked. The lock is automatic only. There is no button to lock a card by hand. A dispute inquiry, where the bank only asks a question and takes no money, locks nothing. If it becomes a real chargeback, the balance is locked then. A won dispute does not unlock the card. ## Disconnecting To stop selling gift cards online, open the Stripe Connect tile, open the **More** menu (three dots), and choose **Disconnect Stripe**. A confirmation explains what happens: > Online gift card sales will stop immediately. Your Stripe account stays yours and any in-flight payouts continue; previously issued vouchers remain valid. You can reconnect any time. Click **Disconnect** to confirm. | What happens | Detail | | - | - | | Online sales stop | Immediately, no new gift cards can be bought online | | Your Stripe account | Stays yours, it is not closed or deleted | | In-flight payouts | Continue as normal | | Existing vouchers | Remain valid and can still be redeemed in store | ## Reconnecting After disconnecting, the tile shows **Stripe is disconnected** with the note "You are not selling gift cards online. Existing vouchers remain valid and can be redeemed in store," and your **previous account** ID. Click **Reconnect** to start selling online again with the same Stripe account. ## Requirements | Requirement | Detail | | - | - | | Access to the Integrations tab | The Stripe Connect tile is in **Settings → Integrations**. That tab is part of **VEXiON cards PRO**; on the ONE plan it shows an upgrade screen. The tile is shown to accounts where Stripe Connect is enabled. Accounts billed through Shopify do not see it. Selling gift cards online is otherwise included in every plan, and each gift card has its own **Online gift card sales** switch. See [Plans and pricing](https://vexioncards.mintlify.site/knowledge-base/billing-plans.md). | | Stripe onboarding | A business and bank account Stripe can verify | | A gift card | At least one gift card set up in VEXiON cards | ## Need help? * **VEXiON cards support**: [info@vexioncards.one](mailto:info@vexioncards.one), +421 948 777 490. * **Payouts, statements, and account details**: open your **Stripe Dashboard** from the tile. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.