Stripe Connect is the part of Stripe's platform that lets a multi-tenant application (like OneClick) onboard its users as payment-receiving merchants. In practice, this means your OneClick site can take credit-card payments from your customers, with the money going to your bank account, not ours — without you having to integrate Stripe yourself.
What Connect actually does under the hood
When you enable Stripe Connect on a OneClick Business plan, the dashboard walks you through a short onboarding flow hosted by Stripe. You enter your business name, country, tax ID (or social security number for sole proprietors in the US), bank account details, and a few identity questions for KYC. Stripe creates a "connected account" tied to your business and links it to OneClick's platform account. From that point on, when a customer pays for something on your site, the money flows from their card, through Stripe, directly into your connected account — usually settling to your bank within 2 business days. OneClick never holds your funds.
The Connect onboarding takes 5 to 15 minutes for a sole proprietor, longer for a registered company because Stripe needs to verify the entity. Stripe's identity verification is usually instant; in 5 to 10% of cases they ask for a follow-up document (passport scan or recent bank statement) which is reviewed within 24 hours.
What the fees actually are
Stripe's fees are the same whether you integrate them directly or via a platform like OneClick: 2.9% plus 30 cents per successful card charge in the US, 1.5% plus 20 pence in the UK, 1.4% plus 25 cents for European cards in the EU, with surcharges for international cards and currency conversion. Stripe takes their fee out of every transaction automatically; the rest is yours. OneClick does not add any platform fee on top of Stripe's rate.
For a $100 sale in the US, the math is: Stripe takes $3.20, you receive $96.80, transferred to your bank in 2 business days. There are no monthly fees, no setup fees, no minimums.
Who Stripe Connect is for
Three concrete use cases. First, anyone selling physical products — a clothing brand, a furniture maker, a coffee roaster. Second, anyone selling services with a fixed price — a graphic designer with packages, a yoga studio with class passes, a tutor with hourly rates. Third, anyone running a paid event, course, or membership — a workshop, an online course, a club subscription.
For each of these, the alternative — sending an invoice manually or asking customers to pay you by bank transfer — leaks a meaningful fraction of buyers at the moment of payment friction. A clean, embedded Stripe Checkout converts dramatically better.
Who Stripe Connect is not for
If you are running a lead-gen site (collect contact, talk to customer, close on a phone call), you do not need Stripe — a contact form is enough. If you sell only on third-party marketplaces (Etsy, Amazon, Uber Eats), those marketplaces handle payment themselves. If you operate in a "high-risk" category — adult content, gambling, certain CBD and supplement products, certain financial services — Stripe will not onboard you and you need a specialist processor.
Why this is a Business-tier feature on OneClick
Honest answer: support cost. Connect onboarding generates the largest single share of support tickets across any payments integration we have built. KYC failures, bank-detail typos, tax-form questions, and Stripe disputes all land at our door because we are the platform of record. The Business tier ($48/month) accommodates the engineering and human-support overhead that makes Connect reliable for users who depend on it for actual revenue. The cheaper tiers do not include Connect because the unit economics do not work — but if you do not need payments, you do not need Business either.
Setting up Connect on your OneClick site
Inside your dashboard on Business plan, click Commerce → Enable Stripe Connect. You are redirected to Stripe's onboarding, complete the form, and redirected back. From that moment on, every product or service you add to your site has a Stripe-backed checkout. Stripe Tax (automatic sales-tax and VAT calculation) and Stripe Radar (fraud detection) are enabled by default — no extra configuration needed.
Payouts, refunds, and disputes
Payouts default to daily (US) or weekly (most other countries), and the schedule is configurable in Stripe's dashboard. Refunds you issue from OneClick are pushed to Stripe, the customer is credited within 5 to 10 business days, and Stripe deducts the refund amount from your next payout — the original fee is not returned. Disputes (customer chargebacks) appear in your Stripe dashboard with a deadline to respond; OneClick surfaces a notification but the actual response is filed through Stripe.