How to Connect Your Stripe Payment Gateway

A step-by-step guide

For restaurant, cafe, and spa owners — no technical knowledge required.

1. Why do you need to do this?

Retiva lets you sell gift cards, vouchers, and memberships online. When a customer buys a voucher from you over the internet, the money needs to go directly into your bank account — not through us.

Stripe is a global payment processor (think of it as an online card terminal for your business). They handle the transfer from your customer to you — securely, legally, and without Retiva ever touching your money.

Without connecting Stripe — online sales simply don’t work. It’s like opening a shop without a card terminal.

2. What you will need before you start

Prepare these details in advance — the form will take about 10–15 minutes if you have everything ready:

3. Registration — step by step

After clicking the link we sent you, you will see Stripe’s forms. Here is what appears on each screen:

Step 1 — Email address and password

1.    Enter your email address (business or personal — either is fine)
2.   Create a password — at least 8 characters, ideally including numbers
3.   Click “Continue”

⚠️  Nobody else will have access to your Stripe account — only you.

Step 2 — Phone number verification

4.   Enter your mobile phone number
5.   You will receive an SMS with a code — enter it in the form

Standard identity verification required by EU financial regulations.

Step 3 — Business type

6.   Stripe will ask what type of business you run

–     Sole trader / self-employed → select “Individual / Sole trader”

–     Limited company (Ltd, LLC, etc.) → select “Company”

Not sure? If you run the business yourself and invoices are in your own name — choose Sole trader.

Step 4 — Business details

Fill in your business details exactly as they appear in your official registration:

🔍 Don’t know your NIP or REGON? Look up your business at biznes.gov.pl

–     Full legal business name

–     Business address

–     VAT / Tax ID number (NIP)

–     REGON number (Polish business registry number)

–     Industry — e.g. “Restaurants & Food Service” or “Spa & Beauty”

–     Website address (your Facebook or Instagram page works fine)

Step 5 — Owner details

Stripe needs to know the identity of the person who controls the account (EU AML directive requirement):

–     Full name

–     Date of birth

–     Home address

–     Last 4 digits of your national ID number (or full number, depending on your country)

🔒 This information is fully encrypted. Stripe does not share it with anyone, including Retiva.

Step 6 — Bank account for payouts

Tell Stripe which bank account to send your earnings to:

–     Enter your business bank account IBAN

–     Stripe will send a small verification deposit within 1–2 business days

Step 7 — Review and submit

7.    Review all the details you have entered
8.   Click “Submit”
9.   Done — you will receive a confirmation email from Stripe

4. Frequently asked questions

Will Stripe charge me any fees?

Stripe charges a small fee per transaction (typically around 1.5% + €0.25 for European cards). There is no monthly subscription and no registration fee. You only pay when you earn.

When will money reach my bank account?

By default Stripe sends payouts within 2 business days of each transaction. You can change the payout schedule in your Stripe account settings.

Why does Stripe need my personal information?

It’s an EU legal requirement — any institution handling payments must verify the identity of the account holder (KYC). Without this, Stripe cannot legally process payments on your behalf.

Is my data safe?

Yes. Stripe holds PCI DSS Level 1 certification (the highest security standard in the payments industry). All data is encrypted. Retiva has no access to your Stripe details.

What if I get stuck on a step?

Click the “Chat to us” button at the bottom of the page — we will guide you through every step.

Updated on: 16/04/2026