Sunbit

Sunbit lets a customer finance a bigger bill. Your business is paid in full for the payment, and the customer repays Sunbit.

Owner switch

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Who turns it on: An owner. It is off by default.
Customers: Consumers in the US, paying in US dollars. It is not for business customers.
Amounts: From $60 up to $19,999.99 a payment.
Where: Stripe’s secure page for a pay link or QR code, a booking deposit and an online gift card.
What you receive: Stripe settles the payment to your Stripe account, less Stripe’s fee. The customer repays Sunbit.
Fees: Stripe’s fee for Sunbit is on Stripe’s pricing page.

Where Customers Can Use Sunbit

Every place a customer pays through NextUp Walk-in, and whether Sunbit is there.

Pay link and QR codeSunbit shows on Stripe’s secure page for a pay link or QR code when the amount is in range and an owner has switched it on. Yes
Booking depositSunbit shows on Stripe’s secure page for a booking deposit when the amount is in range and an owner has switched it on. Yes
Online gift cardSunbit shows on Stripe’s secure page for an online gift card when the amount is in range and an owner has switched it on. Yes
The NextUp appSunbit isn’t in the NextUp app’s own payment sheet; a customer uses it on Stripe’s page. No
Card reader (S700, M2)Sunbit isn’t taken at a card reader, which reads cards, phones and watches. No
Tap to Pay on AndroidSunbit isn’t taken with Tap to Pay on Android, which reads cards, phones and watches. No

Booking deposits and selling gift cards are Pro features. Every other place is on every plan.

How a Customer Pays

Open the paymentThe customer opens your pay link or QR code, or pays a booking deposit or an online gift card.
Choose SunbitOn Stripe’s secure page, they pick Sunbit beside the card options.
Apply with SunbitThey confirm with Sunbit, which decides whether to approve them and sets their repayment terms.
You are paidThe bill shows as paid and Stripe settles the payment to your Stripe account, less Stripe’s fee.

What You Do

An owner turns on “Pay over time (Klarna, Affirm, Afterpay, Zip, Sunbit)” in the Payment methods table on the dashboard’s Payments page. It is off until they do, and one switch covers all five.
Stripe has to allow the method for your business too. The table shows Stripe’s answer (Approved, In review or Not approved yet); until Stripe approves it, your pay pages offer only the methods Stripe accepts.
Sunbit doesn’t serve every kind of business. Stripe’s approval answer decides, and when it says no, your pay pages simply don’t offer Sunbit.
Sunbit needs no hardware and no change to how you ring up a bill.

Good to Know

Sunbit appears only when the payment is between $60 and $19,999.99, so it suits larger bills, packages and gift cards.
Sunbit is for consumers only, not for business customers.
A booking deposit paid with Sunbit keeps no card on file for a no-show fee.
NextUp Walk-in’s card fee is worked out on these payments the same way as on card payments. Stripe’s own fee for them is higher than for cards and is on Stripe’s pricing page.
Whether a customer is approved, and on what terms, is Sunbit’s decision.

Questions About Sunbit

Does my business wait to be paid when a customer uses Sunbit?

No. Your business is paid in full for the payment, and the customer repays Sunbit.

Why doesn’t Sunbit show on my pay pages?

Sunbit doesn’t serve every kind of business. Stripe’s approval answer decides, and the Payment methods table shows it. It may also be that the switch is off or the payment is outside $60 to $19,999.99.

Who can use Sunbit?

Consumers in the US paying in US dollars. Sunbit decides whether to approve each customer.

Can Sunbit pay a booking deposit?

Yes, when the deposit is in range and Sunbit is switched on. A deposit paid this way keeps no card on file for a no-show fee.

What does Sunbit cost?

Stripe sets its own fee for Sunbit, and it is higher than for cards. See Stripe’s pricing page (https://stripe.com/pricing/local-payment-methods).

Payments are processed by Stripe on your own Stripe account; NextUp Walk-in never holds your money. NextUp Walk-in’s card fee is 0.5% of card payments, never on tips, at most $1 a payment, on top of Stripe’s processing fee.