Stripe Payments — Setup Runbook

• Stripe access — ✅ obtained 2026-06-04. Lisa has a Developer team-role invite on the client's Stripe account with restricted-key generation (Dashboard + scoped rk_test_/rk_live_ keys).
• Scoro permission — site-admin / "Modify site settings" (required to connect + edit templates).
• Work in TEST MODE first — use Stripe test mode (rk_test_) and a Stripe test bank/card. No live charges until Step 7.
• Confirm which entity/company the Stripe connection attaches to — julieh (legacy, live Pro plan) vs promount (V2 target).

1. Scoro → Settings → Site settings → Integrations → Stripe.
2. Click Connect Stripe → connect the client's existing Stripe account (or create one).
3. Confirm the connection shows active (live UI telemetry should flip stripe_is_active 0 → 1).

1. In the now-visible Stripe config screen, switch on the "Enable bank debits" toggle. ← this is what turns on ACH.
2. VERIFY LIVE: confirm the bank-debit option presented is US ACH (us_bank_account), not SEPA/other — Stripe selects the local method by account country/currency; for a US/USD account it should be ACH.
3. Stripe side: confirm ACH Direct Debit is active on the account (Stripe Dashboard → Settings → Payment methods). Usually on by default for US/USD accounts.

1. Invoice PDF templates: select the invoice templates to update → Add the payment link (auto-placed after the price table), OR insert manually: dynamic field → select Invoice → Stripe payment button group (with bank debits on, this renders Card + Wallet + Bank; without it, only Card + Wallet).
2. Invoice email templates: repeat per template (emails are updated one at a time).
3. Only apply to regular invoice templates — the pay-link is not available on prepayment invoices or quotes (verified). Deposits stay on the manual flow (FR-009/OD-1a) unless Path C is built.

Once connected, confirm each LIVE (these were not confirmable while disconnected):

• Exact Scoro fee in USD — docs are EUR-only (0.2–0.4% card / 0.4% €5-cap bank). Read the real USD figure off the connected config screen; pin it for the quote.
• Payment-method toggles render (card / wallet / bank debit) as expected.
• Regular-invoice-only — confirm the pay-now field is available on a regular invoice template and absent on a prepayment template.
• USD-invoice support — issue a USD test invoice and confirm the pay-link generates.

1. Issue a test regular invoice (USD) with the pay-now field, in Stripe test mode.
2. Pay it two ways using Stripe test instruments:
   • Card (test card) → confirm Scoro auto-marks the invoice paid and adds the processing-fee line.
   • ACH (test bank) → confirm the bank-debit option appears, completes, and reconciles. (ACH settles ~4 business days; in test mode it confirms per Stripe's test behavior.)
3. Confirm the fee shows (add the Payment fee column via View → Data columns to see it).

1. Confirm the Scoro↔QBO connector state and directions (Settings → Integrations → QuickBooks). Target architecture (OD-5): Invoices = From Scoro (keep); NO per-charge Stripe→QBO income connector; paid-status via the Scoro lane; Stripe→QBO only at payout/fee level. Disable Receipts = To Scoro if it would double-post.
2. Run a test-mode payment end-to-end and confirm in QBO that the invoice + payment appear exactly once — no duplicate sale.
3. Do not go live until this passes. (If using the first-party QuickBooks↔Stripe connector for payouts/fees, keep its "Auto-add" OFF + require manual match-to-invoice — it imports income as sales receipts that can duplicate the Scoro-created invoice. See stripe-qbo-connector-verify-2026-06-04.md.)

• Resolve OD-2 (how Stripe payouts/fees reconcile into QBO — confirm approach with Deb; likely payout/fee-level only, no per-charge connector).
• Swap test → live: generate a scoped rk_live_ key; switch the integration to live mode.
• Set the V2 invoice templates with the pay-link as the entity default (per-entity setting — VAN-D044 caveat).
• Communicate to customers; consider steering large invoices to ACH (default/prominent ACH option, optional early-pay discount) — at ~$4,900 avg many buyers still pick card (see b2b-payment-method-preferences-2026-06-04.md). Card surcharge only where legally permitted (state-dependent — verify).