Stripe Post- Setup FAQs
As a Cartwheel Admin, where can I see and report on pending transactions?
Via your Stripe Dashboard. The account creator owns the initial login. Once in, each owner can add the appropriate team members for reporting.
There are limited reporting capabilities, but Cartwheel can schedule a transaction report to send to an individual on your team if needed. Please contact your Cartwheel team for assistance.
You can also track invoice status via Cartwheel and see invoice activity on the invoice in question within the activity feed.
What should I do if a payment seems delayed or missing?
Stripe processes ACH and bank-connected payments through verified financial institutions.
If a payment appears delayed, it’s most often because the customer’s bank account has not yet completed verification or the funds are temporarily held in Stripe pending clearance.
Once cleared, the funds will appear in your Stripe account balance and can be transferred to your bank account through your selected payout method.
How does Stripe handle customer bank connections?
When a payer selects “US Bank Account” during checkout, Stripe first offers secure bank login via Plaid.
If the customer prefers, they can enter bank details manually instead and verify ownership using micro-deposits sent to their account.
Once verified, future payments can be made instantly with one click.
How can customers manually add or verify their bank account?
Customers can complete manual verification at any time:- Open the Cartwheel invoice and click “Pay Now.”
- Choose “US Bank Account.”
- Select “Enter bank details manually.”
- Follow Stripe’s prompts to confirm two micro-deposits.
- Once verified, all future ACH payments will process automatically.
What are “customer balances” in Stripe?
Stripe maintains a Customer Balance for any payer that pre-funds or overpays an invoice.
If a customer accidentally sends funds to their own Stripe account or has residual credit, Stripe automatically applies that balance to future invoices.
This can sometimes make payments appear as though they were “paid from Stripe” instead of a new transfer.
Why don’t I see my customer’s banking details or routing numbers in Stripe?
For security and compliance reasons, Stripe does not expose customer banking details to merchants.
Stripe confirms verification and payment success but masks all sensitive information.
Cartwheel provides complete payment visibility—including payer identity, payment type, and amount—without exposing bank details.
What payout options are available to my company?
Stripe offers three payout modes:- Automatic payouts: Stripe transfers cleared funds to your bank automatically, typically within two business days.
- Manual payouts: You control when to transfer cleared funds from your Stripe balance to your bank.
- Instant payouts: Available for eligible accounts; funds transfer immediately for a small fee.
Which payout mode does Cartwheel recommend?
Cartwheel recommends manual payouts during early implementation and reconciliation periods.
This gives your team full control of transfer timing, ensuring funds are fully cleared and reconciled before release to your bank.
Can I see how my customers paid (e.g., card, ACH, wire)?
Yes. Stripe records each payment’s method type—card, ACH, or wire—within the Stripe dashboard.
Cartwheel also surfaces this information in the platform’s Payment History view for easier reconciliation across invoices and customers.
Can I generate my own Stripe transaction reports?
Yes. You can create on-demand reports directly in your Stripe dashboard for any date range. These reports include payment source, method, customer reference, and status details to support internal audit or reconciliation processes.
What is Cartwheel doing to improve payment visibility?
Cartwheel continuously enhances its transaction and payout history to make payment sources, methods, and statuses clearer within the platform. This ensures your finance and operations teams can view complete payment data without logging into Stripe separately.