Payments & billing

Set up payments

Last updated 2026-07-08

DiveConnect never takes a cut of your sales. You connect a payment account that you own, customers pay you directly, and 100% of every booking, rental, and retail sale settles to your bank account (minus only your payment provider's own processing fee). DiveConnect charges just the monthly subscription.

Connect Stripe (recommended where available)

Stripe powers online checkout on your DiveConnect site — trips, courses, the cart, retail orders, and lodging.

1. In the dashboard, open Payments and click Connect.
2. You're taken to Stripe's guided onboarding: business details, your bank account, and identity verification. Most shops are verified instantly; some take 1–2 business days.
3. You're returned to the dashboard connected. From then on, checkout on your site charges your Stripe account — you are the merchant of record, payouts go straight to your bank on Stripe's normal schedule.

• Platform fee: 0%. You pay only Stripe's standard processing fee (roughly 2.9% + $0.30 for cards, varies by country).
• Refunds stay yours. You issue refunds from your own Stripe dashboard or from DiveConnect — the money moves on your account, on your terms.
• DiveConnect never holds your money and never has your Stripe keys — the connection uses Stripe's official authorization flow, which you can revoke at any time.

No online payments yet? Start anyway.

Payment setup is never a blocker: your site and bookings work from day one with pay on arrival (we track who owes what). If your account includes the guided payment-collection setup, you'll see a Payments step during onboarding where you can also:

• Paste a payment link from any provider you already use — a Stripe Payment Link, PayPal.me, GCash, M-Pesa Paybill, and similar. We include it (with the amount due) in booking confirmations and reminders, and you mark payments received in the dashboard.
• Share bank-transfer details shown to customers at booking.

You can upgrade the setup later at any time — nothing is locked in.

Getting your first payment account (country guides)

If your shop doesn't have any online payment account yet, sign up directly with a provider in your country — the account is yours, in your business's name. DiveConnect staff will guide you but never create or hold the account for you.

Indonesia

• Recommended: Xendit or Midtrans.
• You'll need: your business registration (NIB) and a business bank account.
• Typical approval: a few business days after documents are submitted.

Kenya

• Recommended: Pesapal or DPO Pay; many shops also take M-Pesa (Paybill/Till — usable immediately as a payment link).
• You'll need: business registration certificate, KRA PIN, and a bank account.
• Typical approval: about a week; M-Pesa Till numbers are usually faster.

Philippines

• Recommended: PayMongo or GCash for Business.
• You'll need: DTI/SEC registration, a valid government ID, and a bank account.
• Typical approval: a few business days.

Egypt

• Recommended: Paymob (Fawry is a common companion for cash-code payments).
• You'll need: commercial register, tax card, and a bank account.
• Typical approval: one to two weeks.

Somewhere else? Stripe covers 45+ countries (US, EU, UK, AU among them), and any provider that gives you a shareable payment link works with the payment-link option above.

How the money flows on a booking

• Booked on your site: the customer pays you at checkout through your connected account. 0% to DiveConnect.
• Booked through the DiveConnect.io marketplace: the traveler pays a booking deposit to DiveConnect at booking (that deposit is the marketplace's fee — it's credited against the trip price, never added on top), and the balance is collected by you on your own account per your payment setup. You're never invoiced and DiveConnect never holds your dive money.

Need a hand? Email us at admin@diveconnect.io or open a ticket from your dashboard under Support — we usually reply within one business day.