To receive payments for bookings on Here2Fish, vessel owners need to set up a Stripe Connect account. This secure payment setup allows you to receive funds directly to your bank account.
Overview
Here2Fish uses Stripe Connect to process payments. This means:
- Payments are processed securely through Stripe
- Funds are transferred directly to your bank account
- You get paid after bookings are completed
- The platform fee (5% standard, or 3.5% for All Star owners) is automatically deducted
Prerequisites
Before setting up payments:
- ✅ You must have at least one vessel registered
- ✅ Your vessel should be verified or pending verification
- ✅ You must be logged into your Here2Fish account
Step-by-Step Guide
1. Navigate to Payment Setup
From the app:
- Open the Profile tab
- Go to Vessel Owner dashboard
- Look for “Setup Payments” or “Payment Account” option
- You may also see a prompt if you haven’t set up payments yet
2. Create Your Stripe Account
When you tap “Setup Payments”:
- The app will create a Stripe Connect account linked to your Here2Fish profile
- You’ll be redirected to Stripe’s secure onboarding page
- This process is handled securely through Here2Fish’s backend
3. Complete Stripe Onboarding
Stripe will guide you through several steps:
Step 1: Business Information
- Business Type: Choose “Individual” for personal vessel rentals
- Email: Confirmed automatically from your Here2Fish account
- Phone Number: Provide a valid phone number
Step 2: Personal Information
- Full Legal Name: Your name as it appears on official documents
- Date of Birth: Required for identity verification
- Home Address: Your residential address
- Social Security Number (SSN): Required for tax reporting (for U.S. accounts)
Step 3: Bank Account Details
- Account Type: Checking or Savings
- Account Number: Your bank account number
- Routing Number: Your bank’s routing number
- Account Holder Name: Must match the name on your bank account
Step 4: Identity Verification
- Government ID: Upload a photo of your driver’s license or passport
- Document must be: Clear, fully visible, and not expired
4. Review and Submit
- Review all information for accuracy
- Accept Stripe’s Terms of Service
- Submit your application
5. Wait for Verification
After submission:
- Stripe reviews your information (typically within minutes to a few hours)
- You may be asked to provide additional documentation if needed
- You’ll receive email notifications about your account status
Account Status Types
Your payment account can have different statuses:
✅ Fully Active
- Charges Enabled: Yes – You can receive payments
- Payouts Enabled: Yes – Funds are transferred to your bank
- All Requirements Met: Your account is fully operational
⏳ Pending Information
- Currently Due: Some required information is missing
- Action Required: Complete the missing fields in Stripe
- Check Requirements: Review what information is needed
❌ Restricted
- Charges Disabled: Cannot receive payments
- Payouts Disabled: Cannot receive funds
- Verification Needed: Additional verification required
Checking Your Account Status
You can check your payment account status anytime:
- Go to Vessel Owner dashboard
- Navigate to Payment Account or Payments
- View your current status and any requirements
Account Dashboard Access
You can access your Stripe Express Dashboard:
- From the payment account page
- Tap “View Dashboard” or “Manage Account”
- Opens Stripe’s dashboard in your browser
- View payouts, balance, transaction history, and more
Common Requirements
You may need to provide:
Individual Information
- Full legal name
- Date of birth
- Home address
- Phone number
- Government-issued ID
Financial Information
- Bank account details (account and routing numbers)
- Tax identification (SSN for individuals in the U.S.)
- Business information (if using business account type)
Verification Documents
- Driver’s license or passport
- Proof of address (utility bill, bank statement)
- Additional documents if requested by Stripe
Troubleshooting
“You need to add a vessel first”
- Solution: Register at least one vessel before setting up payments
- Vessel registration must be completed first
“Account creation failed”
- Solution:
- Check your internet connection
- Try again in a few moments
- Contact support if issue persists
“Additional information required”
- Solution:
- Check your email for Stripe notifications
- Log into your Stripe dashboard
- Complete any outstanding requirements
- Upload any requested documents
“Payouts disabled”
- Common Reasons:
- Missing bank account information
- Identity verification incomplete
- Additional documentation needed
- Solution: Complete all requirements shown in your account status
Payment Processing
Once your account is active:
How Payments Work
- Booking Made: A fisher books your vessel
- Payment Collected: Stripe collects the payment (held securely)
- Booking Completed: After the trip is complete and confirmed
- Funds Transferred: Money is transferred to your bank account (minus platform fee)
- Payout Schedule: Funds typically appear in your account within 2-7 business days
Platform Fees
- Standard Owners: 5% platform fee
- All Star Owners: 3.5% platform fee
- Fees are automatically deducted before transfer
Payout Timing
- Automatic: Stripe transfers funds on a schedule (daily, weekly, or monthly)
- Manual: You can request manual payouts from your Stripe dashboard
- Processing Time: 2-7 business days after payout is initiated
Security & Privacy
- All payment information is encrypted and secure
- Here2Fish never sees your bank account details
- Stripe is PCI-DSS compliant
- Your personal information is protected