[U.S.] Adding Client Payment Methods for Stripe

Once you’ve connected your Stripe account with Owl, you can easily add credit cards, or have your clients add bank accounts for payment processing. 

Adding a Credit Card

1. Search for the client and open their Client Profile
2. Click into Contact & Clinical > Payment Methods:
   
   
3. Click the Add Payment Method button at the bottom of this page
4. A window will open prompting you to select a payment type:
   
   
   
   
5. Next, you will be prompted to input the credit card details. The client name and address (if one has been previously saved) will be pre-populated in the fields provided:
   
   
6. When you enter the credit card details the text in the Card Info, Expiry, and CVC fields will appear blue if the card you’ve entered is valid. If the card details you’ve entered are not valid, the text will appear red and you will not be able to save the card successfully.
   Valid Card Entry:
   
   
   
   Invalid Card Entry:
   
   
7. Click the Save button to add the client’s credit card to their profile
8. Once the card has been added successfully, you will see it listed as a payment method for this client's profile. You can click the arrow next to the card to expand the view, which will show you the expiry date and address associated to the card:
   
   

Adding a Bank Account

1. Search for the client and open their Client Profile
2. Click into Contact & Clinical > Payment Methods:
   
   
3. Click the Add Payment Method button at the bottom of this page
4. You will be prompted to choose the payment type. Select Bank (ACH) to initiate 
   
   
5. Next, a window will open prompting you to enter the account holder's name and e-mail. Note: in the US it is not permitted for a clinician to enter the account information on the client's behalf. The client will be sent an e-mail with a mandate they will have to agree to, and then will be directed to input their account information into a secure web form. 
   
   
   
   
6. The client will receive an e-mail as follows:
   
   
7. Clicking "Authorize bank account" will bring them to the webpage below
   
8. The client will be prompted to agree to the Stripe Terms. Selecting "Agree and Continue" will bring them to a flow to sign in via online banking. Alternatively, they can click the "Manually verify instead" link at the bottom for a microdeposit flow. 
   
   
   1. Sign in via online banking
      1. The client will be prompted to select their bank from a list and then log in using their online banking credentials
         * Note the following screenshot is taken from Stripe test mode and does not reflect the real institution list your clients will see
         
      2. Once they have connected to their bank, they will be prompted to choose the account that they wish to connect
         
      3. Stripe offers an additional option called Link which allows the client to save their account and streamline the process for future checkouts via autofill. Or click Not Now to proceed to the next step  
         
      4. The account has now been connected. Click Done to close the modal
         

1. 1. Manual Verification (takes 1-2 business days)
      1. The client will be presented with a form to enter their Routing number, and Account number in order to verify their banking details via microdeposits
          
      2. The client will receive an e-mail with further instructions  to verify their account once the microdeposits have processed
         
   2. The client is required to accept the Authorization Agreement in order for charges to be processed from the account 
   3. The account is now active and visible from the client's profile in Owl

1. Once the bank account has been added successfully, you will see it listed as a payment method in this client's profile. You can click the arrow next to the card to expand the view, which will show you the account holder name saved on file for this bank account:
   
   

Note: Owl's Stripe integration currently does not support 3DS card types. 

As part of Owl’s integration with Stripe, when you add a credit card the details are submitted to Stripe via secure real-time API call. Stripe then uses the industry standard Luhn algorithm, also known as a Mod-10 check, to validate the card. As soon as validation is completed, the card is successfully added and the details are securely vaulted in a way that will allow you to process transactions on the card without having to ask the client to present their card for every payment. When the card entered is a valid credit card this check happens instantaneously in real-time so you can use the card to process transactions for the client immediately after saving it.

For security and compliance reasons, once a payment method has been added to a client record it cannot be edited. To make changes to the card or account, you must remove the payment method and then add it again.

You and any other users of the account won’t ever be able to see the credit card or bank account details in full. You will only ever be able to see the last 4 digits of the card or account. It is critically important as part of PCI Compliance that you do not ever write down client credit card numbers or bank account details on paper or store them in files on your computer. Client payment methods should always be input into Owl by having the client present their card or void cheque onsite and using the secure Payment Method entry window that appears when you click the Add Payment Method button.