How-to · Setting up

Set up card processing

The owner chooses how the location takes cards under Setup, Stripe or SpartoPay. Stripe can start today.

A location takes cards one way: through Stripe, which you can set up yourself today, or through SpartoPay, the merchant account Sparto opens with you. Only the owner chooses. A manager sees which one is set up.

Stripe

1. Open Setup and tap Card processing.
2. Choose Stripe and tap Set up Stripe.
3. Stripe's own pages ask for your business, its owner, and the bank account payouts go to. Then Stripe sends you back.

On a Merchant Display, Stripe's pages show as a code to scan with your phone. Tap Open it on this screen to do it on the counter instead.

Card processing then says what Stripe says: waiting on you, checking your details, or taking cards. If Stripe asks for more, tap Continue with Stripe. Open Stripe dashboard shows your payouts, disputes and Stripe's reports.

Stripe takes its fee on each sale, and Sparto adds a small fee on the sale before the tip. When it says taking cards, add a reader (see Add a Stripe reader).

SpartoPay

1. Open Setup and tap Card processing.
2. Choose SpartoPay, then Sandbox or Live.
3. Paste the key under API key and tap Save card processing.

The panel then says the environment and the end of the key, such as "SpartoPay sandbox, key ending 4f2a". The key is never shown again. Try a sale with the test card on Sandbox before you save the Live key. To stop, tap Clear.

Then add the reader (see Pair a card reader with a counter, and Add a Lane terminal).

Switching

A location has one processor. From SpartoPay to Stripe, tap Clear first. From Stripe to SpartoPay, tap Stop using Stripe and confirm; your Stripe account stays yours. A refund of a sale taken the old way is done in that processor's own dashboard.

If you signed in with a PIN, Sparto asks for your email and password first.

Card numbers never reach Sparto. Sparto hears only whether the card was approved, its last four digits and its brand.