Overview
If you can't toggle Buy Now, Pay Later (Klarna, Affirm, Afterpay) in your Trip Builder, it's usually because no payment gateway is connected yet - or because that provider isn't active on your Stripe account, or your trip's currency doesn't support it. When a toggle refuses to save, the red message names the reason. You must connect Stripe before you can enable payment methods. BNPL and Apple Pay require Stripe specifically. This article explains the requirements for each payment method and how to resolve the issue.
Why Your Toggles Are Disabled
Payment method toggles in the Payments section require an active payment gateway connection. Without one, the toggles still move - but the save is refused with the message "No payment account is connected. Alternative payment methods cannot be enabled." and the toggle switches back.
Payment Method | Requires | Notes |
Credit/Debit Card | Stripe or Square | Works with either gateway |
Apple Pay | Stripe only | Not available with Square |
Klarna | Stripe only | BNPL provider via Stripe |
Affirm | Stripe only | BNPL provider via Stripe |
Afterpay | Stripe only | BNPL provider via Stripe |
All BNPL methods (Klarna, Affirm, Afterpay) are Stripe-only features. If you only have Square connected, BNPL will not be available. Apple Pay is Stripe-only as well.
How to Fix It
Step 1: Connect a Payment Gateway
Connect a payment account from the "Payment account" indicator at the top of the Trip Builder, or from Settings > Company Settings > Payment Settings
Connect Stripe (enables all payment methods including BNPL and Apple Pay). SquadTrip recommends Stripe; Square is offered as an alternative.
Follow the on-screen prompts to complete the connection
Return to Payments in your Trip Builder
Step 2: Enable Payment Methods
Go to the "Payment Options" section under Payments
The status line shows "Currently ON: [list]"
Toggle on the payment methods you want to offer
Toggles save automatically -- no Save button needed
After connecting Stripe, all methods are enabled by default (Apple Pay, Klarna, Affirm, Afterpay). You can toggle off any you don't want.
Stripe vs Square: What Payment Methods Are Available
Feature | Stripe | Square |
Credit/Debit Card | Yes | Yes |
Apple Pay | Yes | No |
Klarna | Yes | No |
Affirm | Yes | No |
Afterpay | Yes | No |
BNPL (any) | Yes | No |
If you need Buy Now, Pay Later, you must connect Stripe. Square supports card payments only - no Apple Pay and no BNPL.
Important Notes
Either Stripe or Square is required before publishing a trip -- you cannot accept payments without a connected gateway
Payment method toggles save automatically -- there's no separate Save button
You connect one gateway at a time -- Stripe or Square, not both. Square is offered as an alternative
BNPL is a third checkout option outside of Pay in Full and Installments
Disconnecting your payment gateway removes all payment options for future bookings unless another gateway is connected; existing bookings keep their schedules, but their remaining installments can only be collected while a gateway is connected
The 6% processing fee applies to card and Apple Pay payments on either gateway; BNPL adds its own 4% convenience fee for the traveler
Troubleshooting
Problem | Solution |
A toggle switches itself back off | The save was refused - read the red message. It says either that no payment account is connected, or which provider is not active on your Stripe account (activate it in Stripe, then try again). |
Connected Square but can't enable Klarna/Affirm/Afterpay | BNPL methods require Stripe, not Square. Connect Stripe to enable these options. |
Connected Square but no Apple Pay option | Apple Pay requires Stripe. Connect Stripe to offer Apple Pay at checkout. |
Stripe is connected but a toggle still refuses to save | The message names the provider that is not active on your Stripe account. Activate it in your Stripe dashboard, then switch the toggle on again. |
Want to offer both card and BNPL | Connect Stripe. Stripe supports all payment methods including card, Apple Pay, and BNPL. |
Frequently Asked Questions
Q: Do I need a business to connect Stripe? A: No. Individuals can connect Stripe using their personal information. You do not need an EIN, LLC, or registered business. Stripe may ask for identity verification (ID and last 4 of SSN), but this is for fraud prevention, not a business requirement.
Q: Can I use both Stripe and Square at the same time? A: No. You connect one payment gateway at a time. Stripe is the primary gateway and supports all payment methods (cards, Apple Pay, BNPL). Square is offered as an alternative, but Square only supports card payments -- no BNPL or Apple Pay.
Q: Why can't I use Apple Pay with Square? A: Apple Pay on SquadTrip is integrated through Stripe's payment API. Square's integration does not include Apple Pay. To offer Apple Pay, connect a Stripe account.
Q: After connecting Stripe, which payment methods are on by default? A: All methods -- Apple Pay, Klarna, Affirm, and Afterpay -- are enabled by default after connecting Stripe. You can toggle off any you don't want in the Payment Options section. Toggles save automatically.
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