Stripe Connect: enabling card payments end to end

Clozo uses Stripe Connect's "Direct Charges" architecture, which means the legal merchant of record on every charge is you, not Clozo. Your name is on the customer's card statement, refunds come out of your balance, disputes are filed against you, and you receive Stripe's full balance reports under your own Stripe account ID. This is intentional: it makes Clozo a software platform, not a regulated payment processor, and it keeps you in full ownership of the customer relationship. The trade-off is that you, not Clozo, are responsible for KYC (Know Your Customer) — which is what the Stripe onboarding form collects.

The two booleans Stripe returns after onboarding tell you how usable your account is. charges_enabled = True means Stripe accepted your account and you can take payments. payouts_enabled = True means Stripe will also send the money to your bank — this can lag charges_enabled by hours or days while Stripe verifies your bank account or asks for additional documents (a utility bill, a passport scan, proof of business registration). Until both are green, you can take a payment but the funds sit in your Stripe balance until the second flag flips. Clozo surfaces both states on /settings/payments so you can see at a glance which (if either) is blocking.