Overview
SquadTrip gives organizers flexible payment options to match how their travelers prefer to pay. You can accept credit and debit cards, Apple Pay, installment plans, and Buy Now, Pay Later financing -- all through your connected Stripe account. Every option is free for organizers to enable, and you can customize which methods are available per trip.
Available Payment Options
Payment Method | Gateway | Availability |
Credit/Debit Cards | Stripe & Square | Always enabled (default) |
Apple Pay | Stripe | Toggle on/off per trip |
Klarna | Stripe only | USD, GBP. Separate checkout option (financed total up to $10,000) |
Afterpay | Stripe only | USD, GBP. Separate checkout option (financed total up to $2,000) |
Affirm | Stripe only | USD only. Separate checkout option (financed total $50 to $17,500) |
Installment Plans | Stripe & Square | Minimum $35 deposit and each installment above $35; auto-billing optional |
Payment Gateways
Stripe (Default)
Organizers connect Stripe from Settings > Getting paid ("Connect a payment account") to start accepting payments. Stripe supports all payment methods listed above.
Square (Fallback)
Square is offered as an alternative when Stripe isn't available to you. The Stripe / Square chooser (Settings > Company Settings > Connect Payment Gateway, Square labelled "Alternative") only appears when SquadTrip has flagged your Stripe account as restricted or Square is already connected; otherwise Add / Change Payment Processing Account goes straight to Stripe. You connect one gateway at a time -- if both are ever connected, Square is used. Square supports card payments only -- no Klarna, Affirm, Afterpay or Apple Pay.
Buy Now, Pay Later (BNPL)
BNPL is a separate checkout option that lets travelers finance their trip through a third-party provider. If approved, the provider pays the full remaining balance (plus the 4% fee) at checkout and the traveler repays the provider on the provider's schedule. Available providers:
Afterpay -- 4 interest-free bi-weekly payments
Klarna -- Pay in 4, Pay Later (14-30 days), or financing (6-36 months)
Affirm -- Monthly payments, 3-36 months
Important:
A 4% convenience fee is added to the traveler's total when using BNPL
At checkout BNPL appears as a Buy Now, Pay Later card under Pay Over Time, beside the SquadTrip Payment Plan (installments) card
BNPL requires Stripe (not available through Square)
BNPL is available on trips priced in USD and GBP -- EUR trips do not get BNPL
Payment Processing
All transactions are processed through your connected payment gateway and deposited directly into your account. Payout scheduling can be configured within your Stripe or Square dashboard.
Cost: All payment options are free for organizers to enable. The platform charges a flat processing fee -- see Payments and Fees for details.
Troubleshooting
Problem | Solution |
Apple Pay not appearing at checkout | Apple Pay requires a compatible device (iPhone, iPad, Mac with Safari) and an active card in the Apple Wallet. Ensure you have toggled Apple Pay on in your trip's payment settings. |
BNPL options missing from checkout page | BNPL requires Stripe (not Square) and a supported currency. Verify BNPL is enabled in your trip settings and the trip currency is USD or GBP -- EUR trips do not get BNPL, and Affirm is USD only. |
Installment plan not available for a traveler | Installment plans require the package to be priced above $99 (a package at exactly $99 stays pay-in-full) with an installment plan configured (minimum deposit $35). Auto-billing is not required -- travelers can pay installments manually even when auto-charge is off. |
Traveler says a payment method was declined | The decline comes from the payment gateway or card issuer, not SquadTrip. Ask the traveler to verify their card details, try a different card, or contact their bank. |
Frequently Asked Questions
Q: Do I have to pay extra to offer BNPL to my travelers? A: No. Enabling BNPL is free for organizers. The traveler pays a 4% convenience fee at checkout when they choose Klarna, Afterpay, or Affirm. The BNPL provider may also charge the traveler interest depending on their repayment plan.
Q: Can I offer installment plans and BNPL on the same trip? A: Yes. Both options can be enabled simultaneously. At checkout, travelers choose Pay in Full or Pay Over Time; under Pay Over Time they pick the SquadTrip Payment Plan (installments) or Buy Now, Pay Later. Each traveler selects the option that works best for them.
Q: Do I need to set up separate accounts with Klarna, Afterpay, or Affirm? A: No. BNPL providers come through your Stripe connection -- SquadTrip offers Klarna, Afterpay and Affirm (and Apple Pay) at checkout only when the matching payment method is enabled on your Stripe account, so if a trip toggle has no effect, enable that method in your Stripe Dashboard's payment-method settings.
Q: Can I disable specific payment methods for a particular trip? A: Yes. You can toggle Apple Pay and BNPL options on or off for each trip from the trip's payment settings page. Credit and debit cards are always enabled and cannot be disabled.
Q: What happens if a traveler's BNPL application is declined? A: The BNPL provider handles approval decisions independently. If the provider declines, checkout shows "Payment Not Completed" with the other enabled providers to try and a "Pay with Card Instead" button.
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