You can integrate your Stripe account with Harvest so your clients can pay you online via the Web Invoice. Besides removing the administrative overhead of collecting checks, online payment often means that clients pay sooner.

Additionally, if you send recurring invoices, the Stripe integration will allow your clients to set up automatic recurring payments. 

The Stripe integration offers many payment options to cater to your geography and business need:

• Credit card: This option is available for invoices in any currency supported by your Stripe account.
• ACH (bank transfer): This lower-fee option is available if you’re a United States-based business, and only for invoices in USD. Your clients can make payments from a US bank supported by Stripe. Note that not all institutions are supported. 
  • Stripe may take up to five business days to record an ACH payment’s success or failure and pass that information on to Harvest—until then, the Web Invoice will be marked with a Pending stamp and its status on the Invoices overview will remain Sent or Late. Note that the payment itself, if successful, can take up to seven business days to be reflected in your available Stripe balance.
  • Initially, your Stripe account might not allow individual ACH transactions over $2,000 USD or transaction totals over $10,000 USD per week. You can review the current limits for each payment method in your Stripe Connect account by navigating to Payment Methods and selecting the specific method. From there, you should be able to adjust the limits as needed. 
• SEPA Direct Debit: Available to customers invoicing in Euros across 34 countries.
  • Stripe does not allow transactions in excess of €10,000 through SEPA Direct Debit. 
  • SEPA payments may take up to 6 days to be recorded.
• BACS Direct Debit: Available to UK customers invoicing in British Pounds.
  • Payments through BACS may take up to 7 days to be recorded.
• AU BECS Direct Debit: Available to Australian customers invoicing in Australian Dollars.
  • Stripe does not allow transactions in excess of 10,000 AUD through AU BECS Direct Debit.
  • BECS payments may take up to 3 days to be recorded.
• NZ Bank Transfer: Available for invoices in USD, GBP, EUR, JPY, MXN. Read more about bank transfers here.

If you believe that you are eligible for any of these payment methods, but do not see them as available when creating an invoice in Harvest, check your Stripe dashboard to ensure that you have configured all necessary information to enable the method.

More about payouts and fees

• Payments made via the Harvest and Stripe integration go directly into your Stripe account and then Stripe pays those out to your bank periodically. The payout timeframe is fully dependent on Stripe. 
• In most cases, domestic US transaction fees are 2.9% + $0.30 for credit card payments or 0.8% (up to a maximum of $5) for ACH payments. For other applicable fees and more information, visit Stripe’s pricing page for your country.
• For accounts that are not on a Premium or Enterprise subscription, Harvest applies an additional charge to invoices paid through Stripe - with free accounts incurring notably higher fees than base-level paid plans, like Teams. These fees vary depending on the payment method used, and are visible when configuring payment methods for new invoices. Fees are retained by Stripe and deducted from the amount received.
• Transaction statuses are available on your Stripe dashboard.

Integrating Stripe with Harvest

Free accounts in Harvest are required to integrate with Stripe if they wish to send invoices or record payments. For paid accounts, payments integrations are optional.

Activating the Stripe integration

1. In Harvest, click on Settings (upper right corner).

   • Only Administrators can view and change account settings.

2. Click Integrations in the left sidebar.
3. In the Stripe  section, click Connect.
4. If you already have a Stripe account, sign in. If you’re new to Stripe, fill out the quick form.

Activate ACH payments in Stripe

Once the Stripe integration has been activated, credit card payments will be enabled automatically and you can choose to disable them. If you want to accept ACH payments, you’ll need to opt in.

• To opt into ACH payments, check the Enable bank transfer (ACH) payments box and click the Save Stripe settings button.
  • You'll also need to accept Stripe's ACH Terms of Service before you're able to accept ACH payments through Stripe, including through the Harvest and Stripe integration. If you don't, your clients may see an error message and be unable to make an ACH payment to you. To accept the Stripe ACH Terms of Service, click through to https://stripe.com/docs/ach, make sure you're logged into Stripe, and then click the Enable ACH button at the top of the ACH docs page.
• To disable credit card payments, uncheck the Enable credit card payments box and click the Save Stripe settings button.

Enabling Stripe payments on invoices

After you enable your chosen payment method(s), these will be the default available payment methods for your clients who pay via a web invoice. You can edit the online payment options available for a particular invoice, or remove the option to pay it online when creating or editing it.

When your client views the web Invoice by clicking the link in the invoice email, a Pay invoice button at the top right will offer the available payment methods, depending on what you’ve enabled and the invoice’s currency. To see what this looks like for your clients, you can click on any invoice and then click the Preview button.

Does the Stripe integration work with Stripe Link?

If your Stripe account is eligible for Link and you've configured all necessary settings, your clients may be able to pay invoices using Link. Link is a feature built and maintained by Stripe, so if you have questions about or run into issues with Link, you'll need to reach out to Stripe directly for help.

Deactivating the Stripe integration

Disconnecting Stripe will deactivate any recurring payments enabled on recurring invoices. 

You can disconnect your Harvest and Stripe accounts in Harvest by taking these steps in a web browser:

1. Head to Settings > Integrations. 
2. In the Stripe integration click View settings. 
3. Click the Disconnect button. 
4. Type DISCONNECT and click Disconnect to confirm.