> For the complete documentation index, see [llms.txt](https://oido.gitbook.io/hilfe/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://oido.gitbook.io/hilfe/help/settings/banking-and-payouts.md).
# Banking and Payouts
Payments are processed securely via the payment service provider STRIPE. Stripe is an internationally recognised service provider that is subject to European data protection and has the necessary licenses for electronic money.
OIDO never has access to your money. The money flows from the customer's credit card via the payment service provider STRIPE directly to your business account.
{% hint style="info" %}
You need an OIDO subscription for this function.
{% endhint %}
***
### Connect your bankaccount
Click on Connect with Stripe.
Transaction fees will be charged, which include the entire process from credit card payment to arrival on your business account
1.5% + €0.25 for standard cards from the EU
2.5% + €0.25 for cards from the UK
Please refer to the [Stripe website](https://stripe.com/en-es/pricing) for the complete and current rate list.
STRIPE is not a bank. STRIPE checks, validates, is responsible for and executes the electronic payment transactions of your customers' credit card payments, summarized daily by transfer to your bank account. Your bank may not incur any credit card costs for these transactions.
{% hint style="info" %}
Please have your account and business details ready to register.
{% endhint %}
Stripe asks for all legally required data of your business and establishes the connection to your bank account.
{% hint style="success" %}
If you already have a STRIPE account, you can use it to connect.
{% endhint %}
***
### REFUNDS:
Via your STRIPE account you can view every payment transaction in real time, cancel a payment or refund it directly in full or in part.
{% hint style="info" %}
**Recommendation:** Keep your STRIPE account open in another tab of your Internet browser during business operations so that you can initiate reversals at any time.
{% endhint %}
Your employees have no access to your bank account through STRIPE. Every transaction is documented in a tamper-proof manner.
#### Voucher codes or employee discount
STRIPE offers you the possibility to create various voucher codes with adjustable validity. Please familiarize yourself with STRIPE.
### INVOICES:
OIDO creates a receipt in PDF format for each booking or payment transaction based on your transactions.
STRIPE offers the service of automatic invoice generation. This could make work easier for delicatessen manufacturers and catering companies or any company working business to business.
***
[‹ Return to the OIDO website](https://www.oido.me/en)
---
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