Smart Payments
Manage inbound and outbound payments with Muin Smart Payments: connect Stripe, accept cards, ACH, NFC, Apple Pay, and Google Pay from one dashboard.
Muin Smart Payments provides a unified payment infrastructure for your organization. Accept inbound payments through cards, ACH, NFC, Apple Pay, and Google Pay. Send outbound payments to vendors and contractors via Stripe Connect. All transactions flow through a single dashboard with real-time reporting and automatic reconciliation.
Overview
Payment Capabilities
| Capability | Description |
|---|---|
| Inbound Payments | Accept cards, ACH, NFC tap-to-pay, Apple Pay, and Google Pay |
| Express Checkout | One-tap Apple Pay and Google Pay on payment pages and donation forms |
| Outbound Payments | Send payments to vendors, contractors, and partners via Stripe Connect |
| Payment Pages | Branded pages for invoices, donations, and memberships |
| Muin Go App | Mobile companion app for payments, document capture, approvals, and more |
| Auto-Reconciliation | Payments match to invoices and records automatically |
| Multi-Currency | Accept payments in multiple currencies (coming soon) |
Fee Structure
Muin applies a transparent fee model:
| Payment Method | Processing Fee | Platform Fee | Total |
|---|---|---|---|
| Credit Card | 2.9% + $0.30 | 0.5% | 3.4% + $0.30 |
| Debit Card | 2.9% + $0.30 | 0.5% | 3.4% + $0.30 |
| Apple Pay / Google Pay | 2.9% + $0.30 | 0.5% | 3.4% + $0.30 |
| ACH Transfer | 0.8% (max $5) | 0.5% (max $5) | 1.3% (max $10 combined) |
| NFC Tap-to-Pay | 2.6% + $0.10 | 0.5% | 3.1% + $0.10 |
The 0.5% platform fee supports Muin infrastructure. Processing fees are passed through at cost with no markup.
Getting Started
Prerequisites
Before enabling payments:
- Active Muin account with admin permissions
- Business verification completed (EIN or equivalent)
- Bank account for payouts
Enabling Smart Payments
- Navigate to Settings —> Payments
- Click Enable Smart Payments
- Complete business verification:
- Legal business name
- Tax identification number (EIN)
- Business address
- Authorized representative info
- Accept the Payments Terms of Service
- Click Submit for Review
Verification typically completes within 1-2 business days.
Connecting Payment Providers
Stripe Connection
Stripe powers card and NFC payments:
- Go to Settings —> Payments —> Providers
- Click Connect Stripe
- If you have an existing Stripe account:
- Sign in and authorize Muin
- If you need a new account:
- Follow the Stripe onboarding flow
- Muin pre-fills your business details
- Configure payout schedule (daily, weekly, monthly)
- Click Complete Setup
After connecting, verify the integration:
Settings → Payments → Providers → Stripe → Test ConnectionStripe Financial Connections (ACH)
Stripe Financial Connections enables ACH payments and bank verification:
- Go to Settings —> Payments —> Providers
- Ensure Stripe is connected (Financial Connections is included with your Stripe account)
- Configure ACH settings:
- Instant verification - Available for supported banks via Stripe Financial Connections
- Micro-deposit verification - Fallback for unsupported banks
- Click Save Configuration
Crypto Payments (Coming Soon)
Cryptocurrency acceptance is coming soon. Once available, you will be able to accept Bitcoin, Ethereum, USDC, and other major cryptocurrencies with automatic USD conversion.
Accepting Inbound Payments
Card Payments
Accept Visa, Mastercard, American Express, and Discover:
- Automatically enabled when Stripe is connected
- Supports one-time and recurring charges
- PCI compliant — card data handled entirely by Stripe (never touches Muin servers)
- 3D Secure authentication for high-risk transactions
Express Checkout (Apple Pay & Google Pay)
Apple Pay and Google Pay are enabled automatically on all your Muin payment surfaces as soon as Stripe is connected — no additional setup required.
Where wallet payments appear:
| Surface | Condition |
|---|---|
| Payment pages (donation, invoice, membership) | Shown automatically to eligible visitors |
| Embedded donation forms | Shown when the device and browser support it |
| Kiosk POS (web-based) | Shown on compatible devices |
Device and browser eligibility:
- Apple Pay — Safari on iPhone, iPad, or Mac (macOS Ventura or later with Touch ID / Face ID). The device must have a payment card set up in Wallet.
- Google Pay — Chrome on Android or desktop, or any supported browser logged in to a Google account with a saved card.
Muin detects eligibility automatically and surfaces the wallet button only when the customer’s device supports it. Customers who don’t qualify see the standard card / ACH form instead.
Fees: Same as credit card — 2.9% + $0.30 processing fee plus the 0.5% platform fee.
ACH Payments
Accept direct bank transfers:
- Payer connects their bank account via Stripe Financial Connections
- Muin verifies the account (instant or micro-deposit)
- Payment initiates as ACH debit
- Funds settle in 3-5 business days
ACH configuration options:
| Setting | Options | Default |
|---|---|---|
| Verification | Instant, Micro-deposit | Instant |
| Retry on Failure | 1-3 attempts | 2 attempts |
| NSF Handling | Auto-retry, Notify, Cancel | Notify |
| Settlement | Standard (3-5 days), Same-day | Standard |
NFC Tap-to-Pay
Accept contactless payments in person using the Muin Go mobile app:
- Works with Apple Pay, Google Pay, and contactless cards
- No external hardware required (phone acts as terminal)
- See the Muin Go guide for setup
Crypto Payments (Coming Soon)
Cryptocurrency payment acceptance is on the roadmap. Sign up for the private beta to be notified when this feature launches.
Sending Outbound Payments
Vendor Payments
Pay vendors directly from Muin:
- Navigate to Payments —> Vendor Bills
- Select the vendor (or add new)
- Enter payment details:
- Amount
- Payment method (ACH, check, wire)
- Memo or invoice reference
- Review and click Send
Scheduled Payments
Set up recurring or future-dated payments:
- When creating a payment, click Schedule
- Choose:
- One-time future - Set a specific date
- Recurring - Set frequency (weekly, bi-weekly, monthly)
- Configure start date and end date (or number of occurrences)
- Click Schedule Payment
Payment Dashboard
Overview Tab
The payment overview at Payments shows:
- Total Volume - Payments processed this period
- Inbound vs Outbound - Payment direction breakdown
- By Method - Volume per payment method
- Pending - Payments awaiting settlement
- Failed - Payments requiring attention
Transaction List
View all transactions with filters:
| Filter | Options |
|---|---|
| Date Range | Today, This week, This month, Custom |
| Direction | Inbound, Outbound, All |
| Method | Card, ACH, NFC |
| Status | Completed, Pending, Failed, Refunded |
| Amount | Min/max range |
Reconciliation
Muin automatically reconciles payments:
- Inbound payments match to invoices by reference number
- Outbound payments match to bills and purchase orders
- Unmatched payments are flagged for manual review
- Reconciliation status visible on each transaction
Payouts
Payout Schedule
Configure when funds are transferred to your bank:
| Schedule | Description |
|---|---|
| Daily | Funds transfer each business day |
| Weekly | Funds transfer every Monday |
| Monthly | Funds transfer on the 1st |
| Manual | Transfer only when you request |
Payout Dashboard
Track payouts at Payments —> Payouts:
- Upcoming payout amount and date
- Payout history with breakdowns
- Individual transaction details per payout
- Bank account status
Security
Compliance
Muin Smart Payments meets industry standards:
- PCI Compliant - Card data handled entirely by Stripe, a PCI DSS Level 1 certified processor (card data never touches Muin servers)
- Preparing for SOC 2 - Security controls designed for SOC 2 compliance, with formal audit in progress
- KYC via Stripe - Business verification handled through Stripe Connect onboarding
- NACHA Rules - ACH compliance via Stripe
Fraud Prevention
Built-in AI-powered fraud detection analyzes transactions in real time for risk factors including amount anomalies, transaction patterns, and behavioral signals. High-risk transactions are flagged automatically via Stripe Radar and Muin’s AI analysis layer.
Data Protection
- All payment data encrypted at rest and in transit
- Tokenized card storage (via Stripe)
- Role-based access to payment functions
- Full audit trail on all payment actions
Notifications
Configure payment notifications at Settings —> Payments —> Notifications:
| Event | Channels | Default |
|---|---|---|
| Payment Received | Email, In-app, SMS | Email + In-app |
| Payment Sent | Email, In-app | Email + In-app |
| Payment Failed | Email, In-app, SMS | All |
| Payout Completed | Email, In-app | |
| Dispute Opened | Email, In-app | All |
Troubleshooting
Payment Declined
If a payment is declined:
- Check the decline reason in transaction details
- Common reasons: insufficient funds, expired card, fraud block
- Contact the payer to retry with a different method
- Review fraud settings if legitimate payments are blocked
ACH Return
If an ACH payment is returned:
- Check the return code (R01 = insufficient funds, R02 = account closed)
- Contact the payer for updated bank information
- Retry if appropriate based on return reason
- Muin automatically updates the invoice status
Payout Delayed
If payouts are delayed:
- Check for pending identity verification
- Review account status in Stripe dashboard
- Verify bank account is active and correct
- Contact support if delays persist beyond 5 business days
Next Steps
- Payment Pages - Create branded payment pages
- Muin Go - Mobile companion app
- Invoices - Invoice management
- QuickBooks Integration - Sync payments with accounting