Cin7 Pay overview

Cin7 Pay overview

Overview

Cin7 Pay is a versatile, fully integrated payment processor.

It allows your customers to check out effortlessly from your B2B online store and pay invoices with ease. You can also initiate payments on their behalf, with support for multiple payment methods and over 135 currencies.

To set up Cin7 Pay, create an account, choose your payment channels and methods, and configure your optional surcharge and other account settings.

Our trusted partner Stripe securely processes Cin7 Pay transactions, converts foreign payments into your local currency, and ensures daily payouts. You can track payments, monitor payouts, and manage refunds and disputes through detailed reports on the dashboard.

Create Cin7 Pay account

Creating a Cin7 Pay account will disable your existing payment portal integration.

The process of creating a Cin7 Pay account varies by business but typically takes around 15 minutes if you have all the required documents ready.

To qualify, your business must be based in a supported country. You'll also need to provide Stripe with key business details, such as your tax identification number, ownership structure, and bank account information, and accept their Connected Account Agreement.

  1. From the Cin7 Money menu in the navigation, open Cin7 Pay.

  2. Click Create account and follow the on-screen instructions.

  3. After submitting your account request, Stripe may ask for more information. If so, you’ll receive a notification on the Account and setup tab of your Cin7 Pay dashboard and an email.

  4. Once Stripe approves your account, you’ll get a confirmation email. Then you can set up your payment channels and optional surcharge—and start accepting payments.

Payment channels

Cin7 Pay supports payments through three channels:

  • B2B online store—Customers can pay seamlessly at your B2B checkout.

  • Invoice Pay Now—Customers enter their card details to pay directly from their invoices.

  • Merchant-initiated transactions—You can enter the customer’s payment details manually via the sales order.

Find out how to set up your payment channels

Payment methods

By default, the following payment methods are enabled for all businesses: credit card, debit card, Google Pay, Apple Pay, and Link.

These payment methods are also enabled by country:

  • Australia: BECs and Affirm

  • Canada: PADs

  • European Union: SEPA

  • United Kingdom: Bacs

  • United States: ACH, Affirm, and Afterpay

To remove a payment method, contact Cin7 Omni Support.

Add surcharge

To cover payment partner fees, you can add a surcharge to Cin7 Pay transactions:

  1. On your Cin7 Pay dashboard, open the Account and setup tab.

  2. Open Settings.

  3. Open the Surcharge settings tab.

  4. Select Apply a surcharge.

  5. Enter the Percentage Fee.

  6. Optionally, to send email summaries of surcharges to customers, select Email Transaction Summary to Payer.

  7. Click Update.

Accounting configuration

Before you can start processing payments, you’ll need to configure three accounts. Together, these accounts track each transaction from payment to payout:

  • Clearing account—Temporarily holds the full payment amount until your payout is issued by Stripe

  • Payment fee account—Records the fee portion of each payment as an expense

  • Bank account—Receives the net payout (after fees are deducted)

Configure these accounts under Accounting on the Account and setup tab of your Cin7 Pay dashboard.

Payments, refunds, and disputes

On the Payments, refunds, and disputes tab, you can review payments, initiate refunds, and handle disputes initiated by customers. You can Filter payments in the list and Export them to CSV too.

To initiate a refund:

  1. Select the payment.

  2. Click Send refund.

  3. Enter the Refund amount and Reason.

  4. Click Refund.

  5. If stock was returned, create the credit note.

To accept or challenge a dispute:

  1. Select the disputed payment.

  2. To accept the dispute, click Accept dispute. To challenge the dispute, click Counter dispute.

  3. If you challenge the dispute, follow the submission process. You’ll need to provide an explanation and submit supporting documentation as evidence.

Payouts and documents

Stripe collects payments processed by Cin7 Pay and pays you out daily, after deducting fees. Your first pay out will take 7 days. Subsequent payouts may be delayed depending on your industry and country risk level.

  • View payouts—Open the Payouts tab and click on a payout for details.

  • Export payouts—Open the Payouts tab and click Export.

You’ll exchange documents with Stripe about onboarding, taxes, support, and more. To access these documents, open the Documents tab.

Logo, notifications, and payment descriptor

After a payment with Cin7 Pay, customers land on a confirmation page, which you can customize with your logo:

  1. Host your logo online to generate a URL.

  2. On your Cin7 Pay dashboard, open the Account and setup tab.

  3. Open Settings.

  4. Open Custom Settings.

  5. Add your logo’s URL under General > Payment Portal Campaign URL.

  6. Click Update.

You can also send confirmation emails upon payment too:

  1. On your Cin7 Pay dashboard, open the Account and setup tab.

  2. Open Settings.

  3. Open Custom Settings.

  4. Under Invoice > Email Payment Confirmation To, select recipients or enter their emails.

  5. Click Update.

And you can update your payment descriptor (shown on customers’ bank statements):

  1. On your Cin7 Pay dashboard, open the Account and setup tab.

  2. Under Account > Public details, click Edit.

  3. Update and save your descriptor.

FAQs

Do Cin7 Pay payments sync to Xero and QuickBooks Online?

Yes, Cin7 Pay payments sync to Xero and QuickBooks online:

What does Cin7 Pay cost?

Cin7 Pay offers transparent, competitive pricing per transaction, determined by the payment method and total amount. All fees are deducted from your payouts.

See the Cin7 Pay pricing schedule

Should I use Cin7 Pay, Payment Portal, or Stripe?

We recommend using Cin7 Pay over Payment Portal and Stripe. It supports the latest technology and minimizes reconciliation time as an embedded solution. To switch to Cin7 Pay, create a Cin7 Pay account and your other payment processor will be disabled automatically. We don’t suggest merging your existing Stripe account.

Does my Cin7 Pay account require a float or minimum balance?

No, Cin7 Pay does not require a float or minimum balance.

Can I use Cin7 Pay without Cin7 Omni?

No, as an embedded payment processor, Cin7 Pay is only available with Cin7 Omni. If you cancel your Cin7 Omni subscription, you would maintain access to Cin7 Pay only until all payments and payouts are complete.

Is Stripe PCI compliant and are my payments secure?

Yes, Stripe is a compliant PCI Level 1 Service Provider and belongs to the PCI Board of Advisors. Payments are protected with AES encryption and processed on isolated infrastructure.

How do I get support from Stripe?

For help with a Cin7 Pay payment, contact Stripe. Quote the payment reference.

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