# Chaty Pay

Chaty Pay utilises Stripe to collect payments over the phone. If a call requires a payment the caller will be transferred to a service where the caller can use their phone's keypad to submit their credit card details to Chaty. 

## Setting Up Chaty Pay

To enable payments through Chaty;

1. Navigate to "Settings > Chaty Payments"
2. On this screen to can select to create a new Stripe account or connect an existing one to Chaty.
3. This process will be completed on the Stripe website.
4. Once the account has been created, Stripe will contact Chaty in the background and the status of the integration will be set to "Active". This can take up to 24 hours for Stripe to approve your account once you have completed their signup process. 

## Selecting which products require payments

Once you have enabled payments, you need to need to select the products from your integration (eg: rezdy) that require payment. To do this:

For Rezdy:

1. Navigate to "Agents" and click on the agent that you want to enable the payments for.
2. Click on the integrations tab, and then on the Rezdy integration.
3. On the tab that contains the products, click on the "Edit" button next to the product, 
4. Under Payment Requirements select that "Payment is required",
5. Choose the amount that you require Chaty to bill the user for including:
   1. Full Payment - The full cost plus the cost of any fees as defined by Rezdy
   2. Deposit % rate - You can collect a % deposit
   3. Deposit Fixed Amount - For instance you can collect a fixed $100 deposit per booking.

### Refunding Payments

To perform a refund for a booking taken through Chaty, login to your Stripe account connected to Chaty and [issue the refund from there](https://support.stripe.com/topics/refunds). 

### Unsuccessful Payments

In the instance where an attempt is made to pay for a booking, but it is not successful, the Booking will be still be placed in your booking system, but in a status that does not affect your inventory. In the case of Rezdy, this status is "Abandonded Cart". Chaty will send you an email with the details of the booking and unsuccessful payment so you can manually resolve the issue.

### Payment Fee Breakdown Example

Depending on the locality of where you receive your payment (eg: If you are in the UK, vs Australia), Fees are exclusive of the total cost of the booking and are made up of the following components:

1. Stripe - There is the stripe percentage fee + fixed fee (For instance in the UK this is 1.5% + 20p)
2. Technology fee - There is a transaction fee for processing the payment (30 US cents - converted to your exchange rate)

So in the case of a 100GBP payment, the fees would be:

1. Stripe 1.5% (1.5 GBP) +  20p
2. Transaction fee of 30 US Cents

For a total of 100 + 1.5 + .20 + .15 (converted) = \~102GBP

Note - If you are charged a fee by your booking software (eg: Fareharbor or Rezdy) this fee is not included in the above example.


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