> ## Documentation Index
> Fetch the complete documentation index at: https://docs.time2.bike/llms.txt
> Use this file to discover all available pages before exploring further.

# Stripe Connect

> Payments, payouts, and refunds via Stripe.

Time2Bike uses **Stripe Connect** with the **Express** account type. You own your Stripe account directly through a Stripe-hosted dashboard; Time2Bike is the platform that creates charges on your behalf.

## Connecting

Once per organization: **Settings → Billing → Connect Stripe** (see [Stripe payouts](/organizers/organization/settings-billing)).

After connection, your org record stores `payout.accountId` — Stripe's `acct_...` identifier. Every paid registration is a charge created against this account.

## Charges

When a rider checks out:

1. Time2Bike creates a Stripe **Checkout Session** scoped to your connected account.
2. The rider pays Stripe directly.
3. Webhooks confirm payment; the registration flips to `confirmed`.
4. Funds settle on your Stripe payout schedule (typically daily).

## Service fee

Time2Bike adds a **3% platform service fee** (`SERVICE_FEE_BPS = 300`) on top of the rider's subtotal. The rider sees it as a separate line item; it goes to Time2Bike, not to you.

You receive your subtotal in full (minus Stripe's own card processing fees, which Stripe deducts before payout).

## Refunds

When you issue a refund (see [Refunds](/organizers/pricing/refunds)):

* Time2Bike calls Stripe to refund the original charge.
* Funds return to the rider's original payment method.
* Your Stripe balance decreases by the refunded amount.
* Full refunds also return the service fee; partial refunds do not.

## Payout dashboard

**Settings → Billing → Open Stripe dashboard** launches your Stripe Express dashboard for payout history, statements, tax forms, and bank-account updates.

## Disputes

Cardholder disputes go through Stripe. Time2Bike forwards Stripe's dispute webhook into your inbox; respond inside your Stripe dashboard with whatever evidence you have (waiver signature, registration email, etc.).