Stripe Payment Gateway for Clients

SECTION 01 · Payment Gateways

Where we've been.
Where we're going.

Most partners on Reach today process through IPpay — it's where we started, and it's held up well. But as subscriber volumes grow and the platform expands, the limits start to show. Stripe is where we're taking things next: more control, cleaner architecture, and purpose-built for subscription billing at scale. If your situation calls for something different, we'll work through it together.

🔌

IPpay

Legacy Gateway · Currently Supported

IPpay has served as Reach's payment gateway since the beginning — processing card transactions for subscriber billing across our platform clients. It does what it says on the tin: authorise, capture, settle.

⚙️Standard card processing for recurring charges
📋Client MID setup available — each client can have their own MID, though a personal guarantee is required from a designated individual
🔁Reconciliation handled manually outside the gateway
🏷️Your brand can appear on subscriber card statements when a client MID is configured (personal guarantee required)
📊Limited reporting and analytics capabilities
🚫No native fraud tooling — RDR, dispute deflection, and third-party fraud tools are not supported

⚡

Stripe

New Default · 2026 onwards

Stripe is cloud-native, API-first, and built for platforms that manage money on behalf of multiple businesses. Through Stripe Connect, each of your clients operates as a Connected Account — with their own brand on subscriber statements, their own risk profile, and their own payouts.

✓Connected Account architecture — your brand on every subscriber statement
✓Funds held in Reach's platform balance; you control the payout timing
✓Automated reconciliation and programmatic transfers via API
✓Advanced fraud tooling: Stripe Radar, RDR, and Order Insights — fully integrated, no third-party setup required
✓Tiered pricing that scales as your payout volume grows
✓Global Payouts capability — cross-border disbursement in local currencies

SECTION 02 · Why Stripe

Not just a better gateway.
A different model entirely.

The switch to Stripe isn't a like-for-like upgrade. It's a structural shift in how payments work across the platform — giving each client real ownership over their brand, their revenue, and their risk profile.

Capability	IPpay	Stripe ⚡
Your brand on subscriber card statements	✓ Requires personal guarantee	✓
Connected Account per client (isolated risk & revenue)	✓ Client MID, personal guarantee req.	✓
Programmatic, API-first fund transfers	Limited	✓
Payout timing control (hold & release on your schedule)	✗	✓
Advanced fraud tools (Radar, RDR, Order Insights)	✗	✓
Dispute & fraud metrics isolated per client	✗	✓
Tiered pricing that decreases at volume	✗	✓
Global payouts in local currencies	✗	✓
Premium support tier with dedicated TAM	✗	✓
Recurring billing (card-on-file charges)	✓	✓

🏷️

Your Brand, No Strings Attached

IPpay can show your brand on statements too — but only if a client MID is set up, and that requires a personal guarantee. With Stripe's on_behalf_of, it's built in from day one. No guarantee, no manual setup.

🛡️

Fraud That Stays in Its Lane

Stripe tracks dispute rates, VAMP scores, and fraud metrics per Connected Account. An issue on one client doesn't touch others — or the platform.

📈

Pricing That Scales With You

Payout fees drop progressively as your volume grows — the more you process, the lower your rate. IPpay rates don't move.

💸

Real Cash Flow Control

Funds land in Reach's platform balance and are transferred to your Connected Account on a schedule you agree on — after reconciliation, on your terms.

🌍

Built for What Comes Next

Stripe Global Payouts lets Reach disburse to Connected Accounts across borders in local currencies — no separate banking relationships needed as we expand.

🤝

Dedicated Support

Reach's agreement with Stripe includes Premium Support with a dedicated Technical Account Manager — meaning faster answers when the integration needs attention.

SECTION 03 · Architecture

The Connected Account flow.

Stripe approved Reach to use Separate Charges & Transfers (SC&T) — the cleanest architecture for a platform managing multiple clients. Here's exactly how money moves.

👤

Subscriber

Pays monthly subscription

Charge

🏛️

Reach Platform

Collects, holds, reconciles

Transfer

🔗

Your Connected Account

Receives monthly payout

Card statement shows your brand name. Billing managed by Reach's own system — no Stripe Billing fee.

Funds sit in Reach balance. Platform fee deducted. Full cash flow control before disbursing.

Monthly payout to your Connected Account. Your revenue, your account.

💳

Step 01

Subscriber pays monthly

Charges are created on Reach's platform using on_behalf_of — your brand name appears on the subscriber's card statement automatically, no personal guarantee or manual MID setup required.

🏦

Step 02

Funds held in Reach's platform balance

All collected payments land in Reach's Stripe balance. Reach deducts its platform fee, handles reconciliation, and manages cash flow before distributing.

💸

Step 03

Monthly transfer to your account

Reach initiates a transfer to your Connected Account on the agreed monthly schedule. You receive your revenue in full, minus the agreed platform fees.

SECTION 04 · Pricing

Transparent pricing.
No surprises.

Connect pricing is charged only on payouts — the actual transfer to your account. Stripe confirmed the fee applies to the transfer amount, not total subscriber revenue collected. Here's the negotiated rate structure (3-year term):

Connect Payout Fees

Monthly progressive tiers — each tier applies only to the volume within that range, and resets every month.

Tier	Monthly Payout Volume	Rate
T1	$0 – $1M	0.30% + $0.25 / payout
T2	$1M – $3M	0.25% + $0.25 / payout
T3	$3M – $6M	0.22% + $0.25 / payout
T4	$6M+	0.19% + $0.25 / payout

How progressive tiers work: At $1.5M volume — first $1M at 0.30% = $3,000. Next $500K at 0.25% = $1,250. Total: $4,250. At a flat rate that same volume would cost $4,500. ▸ Net Monthly Payout Volume is calculated as total payout amounts minus refunds for that month — months with higher refund activity will reduce your effective tier volume.

Monthly Active Accounts

A flat monthly fee per active Connected Account — one charge per client, regardless of subscriber count.

Per Connected Account

Charged monthly, per active account

$10 / mo

What's NOT charged

✓

Stripe Billing fee (0.70%) not applicable. Since Reach uses its own internal billing system — not Stripe Billing — the 0.70% recurring billing fee does not apply.

Additional Fee — Account Debits

Account Debits Fee

Applies when Reach directly debits a Connected Account's Stripe balance — for example, to recover a platform fee owed or correct a balance shortfall. This is distinct from the standard payout transfer flow and is only triggered when a debit is explicitly initiated against a Connected Account's balance.

📌 When does it actually trigger? The standard Reach integration collects subscriber payments into Reach's platform balance and transfers a portion to the Connected Account on a set schedule — no debit occurs in this flow, so this fee doesn't apply. It would only apply in an alternative model where subscriber revenue first lands in the Connected Account's balance and Reach then needs to pull back its share. In that scenario, Reach is debiting the Connected Account, and the 1.60% kicks in on that amount. Under Reach's standard architecture, you should not incur this fee.

1.60%

per debit transaction

SECTION 05 · Cost Example

What does it actually cost?

A worked example so you know exactly what Stripe costs look like at scale. The payout fee applies to the transfer amount — not the total subscriber revenue collected on the platform.

💡

10,000 Subscribers — Monthly Cost Breakdown

Worked example — adjust the numbers for your subscriber base

Subscribers 10,000

Avg. Monthly Plan $30 / sub

Total Collected $300,000

% Transferred to You 20%

Payout Amount $60,000

No. of Payouts 10 / month

1

$300,000

Total collected from subscribers

2

$60,000

20% transferred to Connected Account

3

$180 + $2.50

0.30% × $60k + $0.25 × 10 payouts

✓
$182.50
Total payout fee for the month

Connect Payout Fee:

(0.30% × $60,000) + ($0.25 × 10 payouts) = $182.50 / month

Monthly Active Account Fee:

$10 × 1 Connected Account = $10.00 / month

Total Connect cost on $300k collected: $192.50 / month

Key reminder: The 0.30% applies to the transfer amount ($60k) — not the $300k collected. As your payout volume grows past $1M/month, the rate drops automatically. At $6M+/month, you're at 0.19%.

SECTION 06 · Risk & Compliance

Risk that doesn't travel.

Stripe tracks fraud, disputes, and VAMP scores at the Connected Account level — meaning your account's health is independent from every other client on the platform. This is a meaningful improvement over a shared single-merchant model.

✅ Isolated to your account

Fraud and dispute metrics tracked per Connected Account — your numbers don't affect others

VAMP/fraud monitoring by Stripe's FMS team applies per Merchant of Record (your Connected Account)

If one client has an issue, it hits their account first — not the platform or other clients

Your brand on subscriber statements means payment reputation is attached to your brand, not Reach's

SECTION 07 · Disputes & Chargebacks

Disputes, fraud tools,
and what they cost.

Stripe offers several dispute-prevention and resolution tools on top of the standard chargeback process. Here's what each one is, when it applies, and what it costs. Because disputes are tracked per Connected Account, your exposure and your tooling options are isolated to your account.

Dispute Lifecycle — Where Each Tool Intervenes

🛡️

Transaction processed

Radar scores every charge

Radar blocks fraud here

›

👤

Customer disputes charge

Contacts their bank

›

🔍

48-hour window

Before Visa is notified

Order Insight intercepts here

›

⚡

Visa initiates chargeback

Before reaching gateway

RDR intercepts here

›

⚠️

Formal chargeback

Hits merchant record

The earlier the intervention, the better the outcome. Order Insight acts before Visa is even notified — RDR acts after Visa initiates but before it reaches the gateway. A dispute that clears both layers becomes a formal chargeback.

🛡️

Stripe Radar — Fraud Prevention

Radar is Stripe's ML-powered fraud detection layer that runs on every transaction before it's processed. Suspicious payments are automatically blocked or flagged for review — stopping fraud at the source before it ever becomes a dispute, a chargeback, or a VAMP event.

Included included by default

Already active for you: Reach's team works directly with Stripe's Premium TAM to build and maintain industry-specific Radar rules tuned for MVNO billing patterns — covering high-risk card origins, unusual velocity signals, and prepaid card patterns common in telecom fraud. These rules are already live across the platform, so your account benefits from day one.

First Line of Defence

⚡

RDR — Rapid Dispute Resolution

Stripe's automated deflection programme with Visa and Mastercard. When a chargeback is filed and RDR rules match, it resolves automatically — before becoming a formal dispute — protecting your dispute rate and VAMP score.

$15 Visa · $29 MC

Per resolved dispute. Only charged when RDR successfully deflects — no fee if it doesn't trigger.

Automated · Per Resolution

🔍

Order Insights & Dispute Prevention

Proactive tools that act before a TC40 fraud alert escalates into a chargeback. Covers both Stripe's native Order Insights and third-party OI providers. Fee only applies on a successful deflection — no resolution, no charge.

~$25 per successful deflection

Covers both pre-chargeback fraud alerts and formal chargeback wins. Only charged when a deflection is successful.

Per Successful Deflection

⚠️

Standard Chargebacks & VAMP

When a dispute reaches the formal chargeback stage, revenue is lost and the chargeback appears on your record. Sustained high VAMP scores can lead to Visa blocking your account entirely — not just Stripe intervention, but full account suspension at the network level.

$15 per dispute

Refunded if the dispute is decided in your favour. Keeping dispute rates below card network thresholds is critical to account health.

Per Dispute · VAMP Monitored

The critical difference — what happens to your revenue

🛡️ Radar Blocks It

✓ Transaction never processes

✓ No dispute possible

✓ VAMP score unaffected

✓ Zero cost

⚠️ Standard Chargeback

✗ Transaction revenue lost

✗ Chargeback on your record

✗ VAMP score impacted

✗ Dispute fee charged

⚡ With RDR

✗ Transaction revenue still refunded

✓ Chargeback off your record

✓ VAMP score protected

✗ RDR fee still charged

🔍 With Order Insight (success)

✓ Revenue fully retained

✓ No chargeback initiated

✓ VAMP score protected

✓ Small deflection fee — no refund cost

Why VAMP matters: A high VAMP score signals poor merchant quality to Visa — and a sustained breach of Visa's thresholds can result in Visa blocking your account entirely, directly impacting business continuity. Because each client runs as a separate Connected Account, your VAMP score is tracked independently from every other client on the platform. Operational hygiene — clear billing descriptors, prompt cancellations — keeps it low. Both RDR and Order Insight are tools Reach can help activate on your behalf.

SECTION 08 · How to Switch

Simple to start.
Reach handles the rest.

Switching to Stripe is a structured, low-lift process. Your involvement is minimal — primarily a digital signature to get things moving. Everything else is handled by Reach.

1

Express interest

Reach out to your account contact. We'll align on timing and what migration looks like for your setup.

Your Action

✍️

Sign the pricing agreement

You'll receive a short pricing agreement via DocuSign. Two minutes to sign — that's the bulk of your involvement.

Your Action

3

Reach sets everything up

Integration, Connected Account onboarding, configuration, and testing — all handled by Reach alongside Stripe's support team.

Reach Handles This

4

Go-live & migration

New subscribers move to Stripe from go-live. Existing subscribers migrate progressively. IPpay winds down once the transition is complete.

Joint — Reach + Stripe

Ready to make the move?

Your lift is one signature.
We handle the rest.

Drop us a line and we'll take it from there.

Talk to your account contact →

Modern payments.On your terms.

Where we've been.Where we're going.

Not just a better gateway.A different model entirely.