Payments

How payments work

Zami takes customer payments through Stripe. Once your Stripe account is connected, each customer can save a card or an Australian bank account for direct debit. A prepaid sale is approved and paid by the customer before it goes ahead, and the sale shows where the payment is up to.

1. Connect Stripe on the Integrations tab in Settings.
2. Save a card or bank account on the customer.
3. Create the sale and request the customer’s approval.
4. The customer approves and the payment goes through, and the sale shows Paid.

Connect Stripe

Open Settings, go to the Integrations tab, and choose Connect on Stripe.

1. Follow the Stripe steps to create or sign in to your Stripe account and enter your business and bank details.
2. Back in Zami, choose Manage on Stripe. Accept payments and Payouts each show Enabled or Disabled.
3. If Stripe still needs details, Zami says so. Choose Open Stripe to finish setting up your account.

The Event log on the Manage page lists each event from Stripe with its time and result. Use Disconnect to stop taking payments through Zami.

Save a payment method

Once Stripe is connected, an active customer’s profile shows Payment methods. Choose Add, then either option.

1. Add now: the customer enters their card or bank details on this device, in a new tab.
2. Email to customer: Zami emails the customer a link to add the details themselves. This needs an email address on the customer.
3. Saved cards show the brand, last four digits, and expiry. Bank accounts show the BSB, last four digits, and Direct debit.
4. Use Set default to choose which method is used, and Remove to delete one.

A new bank account can show a status such as Pending until its direct-debit authority is active.

Charge a customer

Create the sale as normal. On a prepaid sale, the Prepayment panel tracks the payment.

1. Open the sale and choose Request approval. The customer is asked to approve the sale and its payment.
2. If they have not responded, choose Resend approval request.
3. When the customer approves, their payment method is charged. The panel shows the payment as processing, then Paid with the amount.
4. If the payment is processing and you do not want to wait, choose Proceed now to let the sale go ahead.

Payment statuses

The Prepayment panel shows Approval not requested, Awaiting customer approval, the payment amount as processing, Paid with the amount, Payment failed (awaiting the customer), or Declined by customer. A declined sale shows Declined in the Sales list, and you can edit it and request approval again.

Rules

A few rules apply to payments.

1. Payment methods only show once Stripe is connected, and not while offline.
2. A prepaid sale cannot be edited to more than the amount already paid. Zami shows Prepaid sale and stops the save.
3. Draft and Declined sales can still be edited.
4. Card and bank details are held by Stripe, not Zami. Zami only keeps the brand, last four digits, and expiry.
5. Connecting Stripe needs access to Integrations in Settings. Saving payment methods needs permission to update customers, and requesting approval needs permission to update sales.

Turn on Sale prepayment in your notifications to hear when a customer approves, pays, or declines, or a payment fails.