Payments via Mortar — Maker Terms
These terms apply when you enable “Payments via Mortar” to accept card payments on an app you build with Mortar. They’re in addition to the main Mortar Terms of Service and to Stripe’s own agreements. Please read them before you start.
1. What this is
Payments via Mortar lets you take payments without bringing your own Stripe account. Mortar, acting as a Stripe Connect platform, arranges a Stripe connected account for you. Mortar provides the technical infrastructure only — it is not a party to the sales you make and does not buy or resell anything to your customers.
2. You are the merchant of record
You sell directly to your own customers. You are solely responsible for the goods or services you provide, your prices, descriptions, delivery, customer support, and for any refunds, returns, cancellations, disputes and chargebacks. Payments settle into your own connected account and pay out to your bank on Stripe’s schedule — Mortar never holds your funds.
3. Platform fee
Mortar charges a platform fee of 3% of each successful payment, collected automatically as a Stripe application fee at the time of the charge. This is in addition to Stripe’s own processing fees, which are charged to your connected account. If a payment is refunded, the corresponding platform fee is handled per Stripe’s standard behaviour for refunded application fees.
4. Stripe’s agreements & verification
Your connected account is governed by the Stripe Connected Account Agreement and the Stripe Services Agreement, which you accept during onboarding. Stripe collects the identity and banking details it needs to verify you and comply with law. Mortar never sees or stores your card, bank, or Stripe secret credentials.
5. Your compliance obligations
You are responsible for using payments lawfully and only for permitted business, and for all taxes arising from your sales — including collecting and remitting any VAT, sales tax, or other taxes that apply to you and your customers. You must not use Payments via Mortar for any activity Stripe prohibits.
6. Stopping & your account
You can disconnect Payments via Mortar from a project at any time; your app then stops taking payments. Your Stripe connected account is yours — it is not deleted when you disconnect or delete a project, and you keep full access to it through your Stripe Dashboard, including to close it yourself. Mortar may suspend Payments via Mortar if required by Stripe, by law, or by the main Mortar Terms.
7. No warranty; limitation of liability
The payments infrastructure is provided “as is”. Because Mortar is not a party to your sales, Mortar is not responsible for your transactions, your customers, or any losses, chargebacks, or negative balances arising from them, to the fullest extent permitted by law. Nothing here limits liability that cannot be limited by law.
8. Changes
We may update these terms as the service or the law changes. If a change is material, we’ll make it visible before it affects you. Continuing to use Payments via Mortar after a change means you accept the updated terms.
Questions? Contact Mortar support. These maker terms sit alongside the main Mortar Terms of Service and Privacy Policy.