Stripe Connect is how Plyrium takes card payments on your behalf and routes the money directly to your bank account — without Plyrium ever holding your funds. You connect a Stripe merchant account to Plyrium, customers pay invoices, and the money lands in your bank in 1–2 business days. Plyrium takes no cut on top of Stripe's standard processing rate (typically 2.9% + 30¢ per card transaction).
Two Stripe accounts — not one
Before diving in, one concept worth understanding: there are two separate Stripe accounts involved.
| Plyrium's platform account | Stripe account owned by Plyrium. This is what Stripe uses to charge YOUR card for your Plyrium subscription (Voice $149/mo, Visibility $399/mo, etc.). You don't touch this directly. |
| YOUR connected account | The Express merchant account you create during onboarding. This is where YOUR customers' payments land. Your bank info lives here, not on Plyrium's platform account. |
The two accounts are completely separate. Canceling Plyrium doesn't touch your Stripe account. Disconnecting your Stripe from Plyrium doesn't affect your Plyrium subscription billing.
Express onboarding — what it asks for
Stripe uses the "Express" account type for Plyrium integrations. Express onboarding is a Stripe-hosted form (you leave Plyrium briefly) that typically takes 5–10 minutes. Stripe asks for:
- Business name and type (sole proprietor, LLC, partnership, corporation).
- EIN (Employer Identification Number) for businesses, or SSN for sole proprietors. Stripe uses this for IRS 1099-K filing, not for Plyrium.
- Business address and phone.
- Owner identity — legal name, date of birth, and the last 4 of your SSN (for Know Your Customer verification).
- Bank account — routing number + account number where Stripe will deposit your payouts.
- Optionally: a government-issued ID document if Stripe's risk system flags your account for additional verification.
- 1Click "Connect Stripe" on /portal/integrations
You're redirected to Stripe's hosted Express onboarding form.
- 2Complete the Stripe form
Business info, identity verification, and bank account. Stripe encrypts all of this — Plyrium never sees your SSN, EIN, or routing/account numbers.
- 3Stripe redirects you back to Plyrium
Once you finish the form, Stripe sends you back. The integrations card updates to show your account status.
- 4Wait for approval (usually instant)
Most standard home-service businesses are approved immediately. If Stripe needs additional verification (common for newer businesses or high-risk categories), the status will show "pending" until Stripe completes their review.
charges_enabled: false after onboarding
You finished the Stripe form and came back to Plyrium, but the integration card still shows something other than "Active". This happens. Here's why:
| Stripe is reviewing your identity | Normal for first-time accounts. Stripe's risk system may queue your account for manual review. Usually resolves within 1–2 business days. |
| Stripe is waiting on a document | If you were asked to upload a government ID but didn't finish, Stripe will hold approval. Complete the upload via your Stripe Express dashboard link (click "Open Stripe dashboard" on the Plyrium integrations page). |
| High-risk business category | Some trades (junk removal, certain cleaning categories) get extra scrutiny from Stripe. Contact Stripe support directly for resolution — Plyrium can't unblock this on their behalf. |
| Bank account verification pending | Sometimes Stripe sends 2 micro-deposits to verify your bank account (amounts < $1 each). You confirm those amounts in your Stripe Express dashboard. |
To check: go to /portal/integrations → Stripe → click "Open Stripe dashboard". Stripe's Express dashboard shows exactly what's needed and surfaces any outstanding requirements. Once they're cleared, the status flips to active automatically — no need to reconnect in Plyrium.
What unlocks once you're approved
- Online invoice payment — every invoice's public link shows a "Pay" button. Customer enters card, money deposits to your bank.
- Save card on file — optional customer opt-in during checkout to save their card for future charges.
- Off-session charging — charge a saved card from /portal/customers or from a recurring service contract without the customer being present.
- Recurring autopay (service contracts) — Stripe Connect subscriptions that charge the saved card on the contract's cadence.
- Customer self-service billing portal — Stripe-hosted portal where customers can update their card, view past payments, and manage autopay contracts.
Disconnecting
Disconnecting your Stripe account from Plyrium (Integrations → Stripe → Disconnect) stops new checkout sessions from being created — invoices lose their "Pay" button, card-on-file charges stop. Your Stripe account itself stays intact; no funds are affected, no payouts interrupted. The disconnect only severs Plyrium's access token.
You'd disconnect if you're switching to a different Stripe account, closing the business, or if something went wrong during onboarding and you need to start fresh. Reconnect follows the same Express onboarding flow.
If you have service contracts running on autopay_stripe mode, disconnecting your Stripe account immediately halts those subscriptions. Customers stop being charged. Plyrium marks those contracts as suspended. Reconnecting with the same Stripe account will attempt to resume them; a different Stripe account means new subscriptions need to be created manually.