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Payments for Service Businesses

Making collections much easier and faster.

Eric Plamondon avatar
Written by Eric Plamondon
Updated over a week ago

MioCommerce simplifies how service businesses collect, track, refund, and automate payments — all in one place

The platform supports both card payments and non-card payment methods, giving you full flexibility in how you collect money from customers.

You can:

Option 1: Process credit or debit card payments using MioPay (powered by Stripe)

Option 2: Record non-card payments such as cash, cheque, or e-transfer for accurate bookkeeping

This allows you to manage all payments — no matter how they’re collected — directly from within MioCommerce.

Option 1: Card Payments (Processed Through MioPay)

MioPay is the built-in card payment feature in MioCommerce, powered by Stripe.
It allows you to securely charge customers using credit or debit cards — whether the booking was created online or offline.

When using MioPay, you can:

  • Charge instantly

  • Pre-authorize and capture latec

  • Save a customer’s card on file

  • Automate charges using Payment Automation

  • Charge Tips (both from web & mobile app)

Where MioPay Fits in Your Business Process

With MioCommerce, you get bookings in different ways:

  • Scenario 1: A customer books online through your Advance Booking Pages

  • Scenario 2: You create a booking manually (call-in or internal entry)

No matter how the booking is created, MioPay is used whenever you process a credit or debit card payment.
To use MioPay, your Stripe account must be connected.

See below for step-by-step instructions for both online and offline booking scenarios.

You can charge customers:

  • Advance payment

  • At the time of booking

  • After the service is completed

  • Manually, or automatically using Payment Automation

You stay in control of when customers are charged and how payments are collected, all from within MioCommerce.

MioPay (Powered by Stripe) - When collecting credit or debit card payments, MioPay uses Stripe - one of the world’s most trusted payment processors.

Why Stripe?

  • Secure, PCI-compliant transactions

  • Advanced fraud protection

  • Accept payments worldwide

  • Supports cards and digital wallets

  • Reliable, scalable, and trusted by millions

Stripe ensures your transactions are fast, safe, and hassle-free — both for you and your customers.

Example: You receive an Online Booking with card details added

When a customer books your service online using a Live Pricing & Real-Time Booking Page and enters their credit card, they have already authorized payment for that booking. This makes the entire payment process faster, simpler, and more reliable.

Once a customer has accepted your service and payment terms, you’re ready to charge from the platform or Mobile App — with fewer steps and no follow-ups required.

How to Set Up MioPay

Getting started takes just a few steps:

  1. Create an account in Stripe

  2. Enable MioPay

    • Navigate to Marketplace and connect your Stripe account with MioCommerce account. Once Stripe is connected, MioPay is automatically enabled.

  3. Review available payment methods

    • Payment methods such as Cash, Check, and Credit/Debit Cards and many more are enabled automatically

  4. Add "Payment section" to your booking pages

    • If you want to sell your service online, please add "Payment section" to your booking page and make sure stripe is connected. Learn more

Once set up, you can begin charging customers directly from bookings or use automation to streamline collections.

Option 2: Non-Card Payments

If you collect payment using cash, check, or another external method (such as e-transfer or other offline payments), you can still record the payment in MioCommerce.

How it works

  • You collect the payment outside of MioCommerce

  • In the booking, you:

    • Click Charge Customer,

    • Mark the payment as Collected

  • Select the appropriate payment method (Cash, Check, or other)

This keeps:

  • The booking balance accurate

  • Payment history complete

  • Reports and records up to date

Learn: How to Mark Booking as paid If a customer pays by cash or other non-card method

How to Collect Payment for Online vs. Offline Bookings

How you collect and charge payments depends on how the booking was created.

Customers typically:

  • Book online and enter their credit card upfront, or

  • Book offline (by phone or internal) without a card on file

Below are the two most common payment scenarios and how MioPay supports each one.

Scenario 1: Customer Books Online and Enters Their Credit Card

If a customer places a booking through your Live Pricing & Real-Time Booking Page and enters their credit card details:

What happens next?

  1. The booking is created

  2. The customer’s card is securely saved (via Stripe)

  3. You can configure settings on your Booking Page to Charge Instantly or pre-authorize the amount, or/and

  4. You charge the customer with full or remaining amount when ready — directly from the booking or Miocommerce mobile app.

How to charge the customer

  • Open the booking

  • Go to the right-side menu

  • Under Actions, click Charge Customer

📘 Helpful article: How can I charge a customer?

Note: You can also charge the customer right from your Miocommerce Mobile App. Learn more

Scenario 2: Customer Books by Phone or Manually

If a booking was created through a call-in or manual and no card is on file:

How to collect the payment method

  1. Open the booking

  2. Go to Payment Information

  3. Click Payment Options

  4. Send a secure email request to the customer to add their credit card
    (or collect it over the phone)

Note: If you have a subscription to Multichannel Inbox Plus, you can send a secure payment link via SMS for faster response.

Once the customer adds their card:

  • The payment method is saved securely

  • You can charge the customer anytime from the booking using MioPay (with Stripe)

📘 Helpful article: How do I send a request to my customer to add their credit card information?

The Result: Faster Collections, Fewer Steps

With MioPay:

  • No payment requests to chase

  • Payments stay tied directly to bookings

  • Easily charge on-th-go with Miocommerce Mobile App

Cash flow becomes faster and more predictable

Summary

MioCommerce supports:

  • Card payments through MioPay

  • Non-card payments recorded for bookkeeping

You can charge:

  • At the time of booking

  • During service

  • After service

  • Manually or Automatically using Payment Automation

Everything stays organized in one system.

Next Steps Most Businesses Take After Understanding MioPay

Once you understand how MioPay works and how payments are handled across different booking scenarios, most businesses typically move on to the following steps:

  1. Create a Stripe account
    This enables secure credit and debit card payment processing.

  2. Connect Stripe to MioCommerce
    Linking your Stripe account activates MioPay inside your MioCommerce dashboard.

  3. Configure payment settings on your Booking Page
    Choose when and how customers are charged — instantly, pre-authorized, or after the service is completed.

These steps ensure your payment flow is fully set up and aligned with how your business operates.

👉🏻 Want to try out this feature in our simulated environment: Try Live Tour and become an expert today! 😊

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