Payments
Can my customers pay in instalments?
Not on a single invoice — Stripe processes one payment per invoice. However, you can use Factory's partial invoice functionality to split a job across multiple invoices (for example, 50% upfront and 50% on delivery) and your customer can pay each one separately via Stripe.
Can customers outside Australia pay?
Yes. International customers can pay with Visa, Mastercard, or American Express. The 1.6% + 30c fee applies and is paid by the customer.
What happens if my customer's card payment fails?
Stripe handles payment failure notifications automatically. Your customer will receive an email from Stripe prompting them to retry with updated card details. The invoice remains unpaid in Factory until payment is successful.
Does my customer receive a receipt?
Yes. Stripe sends an automatic email receipt to your customer immediately after payment. They can also download a PDF receipt from the Stripe payment confirmation page.
Are there limits on how much can be paid by card?
The minimum is $0.50 AUD. The maximum varies by Stripe account — typically up to $1,000,000 AUD for established accounts. New accounts start lower and increase automatically as you process more payments. These limits are set by Stripe, not Factory.
Security
Is my customer's card information secure?
Yes. Card details are entered directly on Stripe's secure, encrypted payment page. Factory never sees or stores card data. Stripe is PCI-DSS Level 1 certified — the highest security standard for payment processors.
Setup and account
Who in my team can set up Stripe?
Stripe setup must be completed by a company director. Stripe requires director-level identity verification as part of their standard onboarding process.
Who can enable payments on an invoice?
Only admin users can toggle on the Enable payment option when creating or editing an invoice.
Can I enable payments on an invoice I've already sent?
No. Payments can only be enabled on new invoices created after your Stripe account is connected. To accept card payment on an invoice already sent, create a new invoice with payment enabled.
Can I change when payouts are deposited?
The default payout schedule is 2–3 business days. Once your account is established, you can adjust the payout frequency — daily, weekly, or monthly — in your Stripe Dashboard settings.
Where can I see my payment history?
Payment status, date, and amount are visible on each invoice in Factory. For full transaction history and downloadable reports, log into your Stripe Dashboard.
Will a bank transfer reconciled in Xero update the invoice in Factory?
No. The accounting sync runs one way — from Factory to your accounting software. If a customer pays by bank transfer and you reconcile it in Xero, QuickBooks, or MYOB directly, the invoice status in Factory will not update automatically. You will need to mark bank transfer payments as paid manually in Factory.