# 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