Payment Processing Overview
Accepting payments through your booking system improves cash flow, reduces no-shows, and provides a better customer experience. Omcean Booking integrates with leading payment processors to ensure secure, reliable transactions.
Supported Payment Methods
- Credit/Debit Cards: Visa, Mastercard, American Express, Discover
- Digital Wallets: Apple Pay, Google Pay, Samsung Pay
- Bank Transfers: ACH transfers for larger amounts
- Buy Now, Pay Later: Klarna, Afterpay integration
Setting Up Stripe Integration
Stripe is our recommended payment processor due to its security, reliability, and global reach.
Creating Your Stripe Account
- Go to Settings > Payments > Payment Processors
- Click "Connect with Stripe"
- You'll be redirected to Stripe to create or connect your account
- Provide your business information and bank details
- Complete identity verification (may take 1-2 business days)
Stripe Fees and Pricing
- Online payments: 2.9% + 30¢ per transaction
- In-person payments: 2.7% + 5¢ per transaction
- International cards: Additional 1.5% fee
- No monthly fees or setup costs
Configuring Payment Settings
Payment Timing Options
- At Booking: Full payment required when customer books
- Deposit at Booking: Partial payment now, balance later
- Payment on Arrival: No upfront payment required
- Split Payments: Multiple payment installments
Setting Deposit Amounts
- Navigate to Services > [Select Service] > Payment Settings
- Choose deposit type:
- Fixed amount ($50 deposit)
- Percentage of total (25% deposit)
- Custom amount per service
- Set when the balance is due (at appointment, 24 hours before, etc.)
Handling Refunds and Cancellations
Automatic Refund Policies
- Full refund if cancelled 24+ hours in advance
- Partial refund (50%) if cancelled 12-24 hours in advance
- No refund for same-day cancellations
- Customizable policies per service type
Processing Manual Refunds
- Go to Bookings > [Select Appointment] > Payment Details
- Click "Issue Refund"
- Choose full or partial refund amount
- Add refund reason (for your records)
- Confirm refund - funds typically return in 5-10 business days
Security and Compliance
PCI Compliance
- Omcean Booking is PCI DSS Level 1 compliant
- Customer card data is never stored on our servers
- All transactions use SSL encryption
- Regular security audits and monitoring
Fraud Protection
- Built-in fraud detection algorithms
- 3D Secure authentication for high-risk transactions
- Real-time transaction monitoring
- Chargeback protection and management
International Payments
Multi-Currency Support
- Accept payments in 135+ currencies
- Automatic currency conversion
- Display prices in customer's local currency
- Transparent exchange rate handling
Regional Payment Methods
- SEPA Direct Debit (Europe)
- iDEAL (Netherlands)
- Sofort (Germany)
- Bancontact (Belgium)
- Alipay and WeChat Pay (China)
Reporting and Analytics
Payment Dashboard
- Daily, weekly, and monthly revenue reports
- Payment success rates and failed transaction analysis
- Refund tracking and management
- Tax reporting and documentation
Financial Reconciliation
- Automatic payout schedules (daily, weekly, monthly)
- Detailed transaction records
- Integration with accounting software (QuickBooks, Xero)
- Export data for tax preparation
Testing Payment Processing
Test Mode Setup
- Enable test mode in payment settings
- Use Stripe test card numbers for testing
- Process test transactions to verify everything works
- Test refund and cancellation scenarios
- Switch to live mode when ready
Common Test Scenarios
- Successful payment with different card types
- Declined payment handling
- Partial payment and balance collection
- Refund processing
- International currency transactions
Troubleshooting Payment Issues
Common Customer Payment Problems
- Card Declined: Ask customer to contact their bank or try a different card
- Insufficient Funds: Customer needs to add funds or use different payment method
- Expired Card: Customer needs to update card information
- Security Hold: Bank flagged transaction as suspicious - customer should contact bank
Business Payment Issues
- Verify Stripe account is properly connected
- Check that business bank account information is correct
- Ensure all verification requirements are completed
- Contact support for payment holds or account restrictions
Best Practices for Payment Processing
- Clearly display pricing and payment terms before booking
- Send payment confirmations and receipts immediately
- Have a clear refund and cancellation policy
- Monitor failed payments and follow up promptly
- Keep payment processing software updated
- Train staff on handling payment issues
Getting Help
If you need assistance with payment processing:
- Check our payment troubleshooting guide
- Contact Omcean support for account-specific issues
- Reach out to Stripe support for payment processor questions
- Review Stripe's documentation for advanced features
Our support team can help you optimize your payment settings for your specific business needs!
