Keito now accepts invoice payments via Stripe. Connect your Stripe account in Settings, and every invoice you send gets a Pay this invoice online button — in the email, in the PDF, and on the public invoice page. Clients pay by card or US bank transfer; money lands directly in your Stripe account. The thing to know up front: we don’t take a cut. Keito’s platform fee on payments is zero, full stop.
Why this matters now
Invoicing tools are quietly splitting into two camps. One camp treats client payments as a feature: connect your Stripe, your money is yours, the tool does the plumbing. That’s how Xero, FreshBooks, QuickBooks, Wave, and now Keito work. The other camp treats client payments as a revenue stream — they sit between you and your client, and clip a percentage of every transaction on top of whatever Stripe already charges. That’s the direction Harvest just announced, and it’s the announcement that pushed us to ship this.
We think payments should be a feature. Your money is your money. The only people taking fees on a Keito invoice are Stripe, and they’re taking exactly what they’d take if you used Stripe directly.
How it works
From your side, setup is roughly 90 seconds:
- Settings → Integrations, find the Stripe card, click Connect.
- Authorise Keito to access your Stripe account.
- Done — every invoice you send from now on has a Pay button in it.
From your client’s side, paying is three clicks:
- They get the invoice email or open the PDF.
- They click Pay this invoice online.
- They land on a Stripe Checkout page (your branding, Stripe’s chrome) and pay by card or US ACH bank transfer.
Once the payment clears, the invoice flips to Paid automatically, the receipt email goes out, and the card brand and last four digits are stamped on the invoice for reconciliation. The Pay link itself is generated when the client clicks the button — not when you send the invoice — so it works for the full life of an invoice, including NET-30, NET-60, or “the client paid four months late” scenarios.
What you keep
The fee structure is the simplest part of this post. There are two fees on a Keito-Stripe payment, and one of them is zero:
| Fee | Who charges it | Amount |
|---|---|---|
| Stripe processing fee | Stripe | Their published rates — 1.5% + 20p in the UK, 2.9% + 30¢ in the US for cards |
| Keito platform fee | Keito | 0% — none, ever |
A worked example: send a £1,000 invoice paid by UK card. Stripe takes £15.20 in processing. You receive £984.80 in your Stripe account. Keito takes £0 of that. Under a 1% platform fee model — the kind some invoicing tools are introducing — you’d see another £10 disappear. Across a year of invoicing that’s the difference between a long weekend and a tax return.
Per-invoice control
Sometimes you want to send a £20,000 invoice and you’d rather not eat 2% in card fees. On every invoice, the Get paid step lets you turn card or ACH off just for that invoice, so the client only sees the payment methods you want to receive. Default is whatever you’ve set at the integration level; per-invoice overrides only stick around for that one invoice.
What’s next
We’re also working on:
- Refunds initiated from the Keito invoice page (today, refunds need a Stripe Dashboard round-trip)
- Apple Pay and Google Pay support, inheriting from Stripe Checkout’s defaults
- Multi-currency expansion for merchants who invoice across regions
Already a Keito customer? Connect Stripe in your settings — takes about 90 seconds. Full setup walkthrough in the Stripe Payments documentation. Not yet a customer? Start a trial and you can have invoices going out and payments coming back in by the end of the morning.