Written by Guy Ben Ari
26/03/2026
6 min
Nobody Feels Petty Invoicing for a Chair
A friend's brand needed a photoshoot. I adjusted my rate, covered an expense, and then quietly lost $100 because chasing…
Who This Is For
For every Creator who wants to get paid fast - with 0% commission on every deal.
Creators working with commercial clients and agencies Larger clients often prefer ACH bank transfers or card payments with a paper trail. Happ supports both - with automatic invoicing and receipts attached.
Creators working with first-time Collaborators A Collaborator who's never paid digitally needs familiar options. Card, Link one-click checkout, and Afterpay installments remove every barrier to getting that first payment done.
Creators working internationally Wire Transfer handles cross-border payments cleanly. No awkward conversations about how to get money across borders.
Creators who want to keep every dollar they earn Happ charges 0% commission on your deals. No platform cut, no hidden fees on your earnings - just Stripe processing fees that apply everywhere.
The Challenge vs. The Solution
Without flexible payment options
- Losing deals because a Collaborator can’t pay your way
- Chasing payments across different platforms with no record
- No single view of what’s been paid and what’s outstanding
- Awkward payment conversations that slow down the deal
With Happ Payment Options
- Multiple Stripe-powered payment methods on every contract
- Every payment tracked in one place
- Total Balance, Available to Withdraw, and Unpaid Milestones always visible
- Your Collaborator picks their method - you get paid
Payment Methods Available
All major methods powered by Stripe, plus manual options for off-platform payments.
Card Payments Accept Visa, Mastercard, Amex, and Discover - processed instantly through Stripe.
Apple Pay & Google Pay One-tap payment from any iPhone or Android - no card number, no form filling.
ACH Direct Debit Bank-to-bank payments from your Collaborator's US bank account - lower fees, ideal for larger contracts.
Afterpay - Buy Now, Pay Later Your Collaborator splits into 4 interest-free installments - you get paid the full amount upfront.
Link - One-Click Checkout Collaborators with saved Stripe payment details pay in one click - no re-entering information.
Wire Transfer For larger contracts and international Collaborations - add your bank details once in Settings.
How It Works
01
Connect Stripe and set up your account
Connect your Stripe account in Settings - one-time setup.
02
Choose methods per contract
Select which payment methods to offer each Collaborator - card, ACH, Afterpay, Link, or Wire.
03
Collaborator pays their way
Your Collaborator picks their preferred method and pays. Card and Link process instantly - ACH settles in 2-4 days.
04
Withdraw on your terms
Withdraw your money from your wallet at 0% fee, or use Instant Payout at 1.75% fee.
05
Track everything in your Homebase
Every payment appears in your financial dashboard - Total Balance, Available to Withdraw, and Unpaid Milestones always current.
Why Happ
Stripe’s full payment infrastructure, built into your creative workflow.
0% commission on every deal Happ never takes a cut of your earnings. The money you agree on is the money you keep.
Powered by Stripe Every digital payment method in Happ runs through Stripe - one of the world's most trusted payment infrastructures.
Nothing falls through the cracks Cash payments, wire transfers, off-platform transactions - every payment can be recorded in Happ.
Your methods, your choice You decide which options appear on each contract - offer all of them or just one.
Exhaustive breakdown of Happ payment activation including Stripe Connect Express onboarding, capability checks, webhook verification and fee logic.
Shlomit Malka
Frequently Asked Questions
- What payment methods can I accept through Happ?
Happ supports every major payment method through Stripe — Card (Visa, Mastercard, Amex, Discover), Apple Pay, Google Pay, ACH Direct Debit, Afterpay (Buy Now Pay Later), Link (Stripe one-click checkout), and Wire Transfer. You choose which to offer per contract; your Collaborator picks how to pay.
- How is accepting payments through Happ different from sending a Venmo or Zelle request?
Venmo and Zelle are person-to-person payment apps — no contract context, no record-keeping, no professional invoicing, no protection if something goes wrong. Happ Payment Options are tied to a signed contract, generate automatic invoices and receipts, support every major method your Collaborator might prefer, and give you a complete audit trail for every transaction.
- Does Happ take a commission on the payments I receive?
No. Happ takes 0% commission on your deals — the money you agree on is the money you keep. The only fees that apply are standard Stripe processing fees on card and ACH payments, which exist on every payment platform.
- What is ACH Direct Debit and when should I use it?
ACH Direct Debit pulls payment directly from your Collaborator's US bank account. It has lower fees than card (0.8%, with a small cap) but takes 2–4 business days to settle. Best for larger contracts where the fee savings matter.
- Can I offer Buy Now Pay Later through Afterpay on my contracts?
Yes. Afterpay lets your US-based Collaborator split their payment into 4 interest-free installments, while you receive the full payment upfront from Afterpay. They handle collection from your Collaborator directly — no risk on your side.
- What payment fees does Happ or Stripe charge me?
Card, Apple Pay, and Google Pay: 3.5% on the Free plan, 3% on Pro and Enterprise. ACH Direct Debit: 0.8% with a max of $5 (Free), $3 (Pro), or $2 (Enterprise). Wire Transfer fees depend on your bank. Afterpay fees are handled by Afterpay directly. Happ adds 0% on top of any of this.
- What is Link and how does one-click checkout work for my Collaborators?
Link is Stripe's one-click checkout. Collaborators who have previously saved their payment details with Stripe can pay instantly without re-entering anything — perfect for repeat Collaborators or anyone who pays multiple Creators through Stripe-powered platforms.
- Do I need a Stripe account to accept payments on Happ?
Yes — Stripe is the payment infrastructure behind Happ. Connecting your Stripe account is a one-time setup in Settings, and from then on every contract can offer the full range of payment methods. If you don't have a Stripe account yet, you can create one during the connection flow.
- Pricing
USD Free · $20/month · $299+/month — All payment options are available on every Happ plan. Stripe processing fees apply to card and ACH payments.
Professional Insights
Tips for getting paid faster and keeping records clean.
Use ACH for larger contracts For projects over $2,000, ACH saves you and your Collaborator money on fees.
Offer Afterpay for bigger asks If you're charging a significant fee, Afterpay removes the sticker shock - you get paid in full upfront.
Match methods to the Collaboration International client? Enable Wire Transfer. Large project? Consider ACH. Local creative? Card or Link gets it done instantly.