Overview

If you can't toggle payment methods (Apple Pay, Klarna, Affirm, Afterpay) in your Trip Builder, it's because no payment gateway is connected yet. 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 & Refunds tab require an active payment gateway connection. Without one, a "Connect Payment Gateway" modal appears prompting you to connect Stripe or Square.

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) and Apple Pay are Stripe-only features. If you only have Square connected, these options will not be available.

Payment Options section in Trip Builder showing toggle switches for Apple Pay, Klarna, Affirm, and Afterpay with Currently ON status

How to Fix It

Step 1: Connect a Payment Gateway

In your Trip Builder, look for the "Connect Payment Gateway" prompt
Connect Stripe (enables all payment methods including BNPL and Apple Pay). Square is only available as a fallback if Stripe has restricted or rejected your account.
Follow the on-screen prompts to complete the connection
Return to Payments & Refunds in your Trip Builder

Step 2: Enable Payment Methods

Go to the "Payments Options" section in Payments & Refunds
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 BNPL or Apple Pay, you must connect Stripe. Square only supports card payments.

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 a fallback if Stripe restricts your account
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 are unaffected
The 6% processing fee applies regardless of which payment method or gateway is used

Troubleshooting

Problem	Solution
Toggles are grayed out	No payment gateway is connected. Connect Stripe or Square first.
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 toggles still disabled	Check your Stripe account status. If Stripe has restricted or is reviewing your account, payment methods may be temporarily disabled.
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 available as a fallback if Stripe has restricted or rejected your account, 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 Payments Options section. Toggles save automatically.