# Stripe onboarding

All payments collected using PaySG are facilitated by [Stripe](https://stripe.com/en-sg). You must create a Stripe account to use PaySG.

![PaySG / Stripe payment flow](https://files.gitbook.com/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FuqMHPbRxvRp3K0CMQMjE%2Fuploads%2FYOzlMlo5qn2lpMDVdf67%2FScreenshot%202024-08-19%20at%2010.36.37%E2%80%AFPM.png?alt=media\&token=e7663cd0-f5f0-42c0-bb80-071f7239a7a0)

**Payment collection flow**

1. An agency user [creates a payment link](https://guide.pay.gov.sg/start-using-the-dashboard/one-time-payment-links/single-link-creation) on our dashboard or via API. The payer accesses the payment link and inputs their details directly on our [payment page](https://guide.pay.gov.sg/start-using-the-dashboard/one-time-payment-links/payment-link-page).
2. Stripe processes their payment details and facilitates the transaction.
3. Stripe deposits the payout into your receiving bank account.

## Stripe onboarding

### Before account creation

**Expected duration:** Dependent on your team's approval process, if any

1. Check with your finance team if your agency has an existing Stripe account that can be used. If not, identify a POC to own and create a Stripe account.
2. If necessary, get approval from the relevant budget head to account for Stripe's transaction fees under bulk tender GVT (T) 24010.

### Account creation

**Expected duration:** <1 day

1. Use an official email address to register for a Stripe account at <https://dashboard.stripe.com/register>.
2. Follow the step-by-step guided onboarding process.
3. The administrator of the Stripe account has to verify their identity through Singpass

{% hint style="success" %}
Once your account has been created, you may proceed to test out our platform at [staging.pay.gov.sg](https://staging.pay.gov.sg). The account verification and price application steps below can be done concurrently, in preparation for the collection of real payments.
{% endhint %}

### Price application

**Expected duration:** <2 weeks

For government users:

1. Issue a GeBiz PO (WOG bulk tender GVT (T) 24010) to Stripe.&#x20;
2. Stripe will respond with a fee schedule to be signed through Docusign.
3. On receiving the fee schedule, Stripe will apply the bulk tender rates to your account.

For healthcare clusters:

* The use of Stripe for PaySG payments falls within the parameters of MOM Circular No. 28/2022.
* Contact <govsg@stripe.com> directly.

### Representative authority verification

**Expected duration:** <2 weeks

An authorized senior representative listed in the SGDI should send Stripe (<sggovloa@stripe.com>) a [Letter of Authorization](https://file.go.gov.sg/paysg-stripe-poa.pdf). Please refer to [this page](https://support.stripe.com/questions/representative-authority-verification) for more details.

### After price application

**Expected duration:** For dashboard users: instant. For users integrating with PaySG: dependent on your technical team's timeline.

* Dashboard-only users: Start collecting payments instantly.
* Users with PaySG API integration: Start collecting payments once your team/vendor has completed integration


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://guide.pay.gov.sg/overview/stripe-onboarding.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.