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Tight recognizes that payment processing is critical to the business model of many FinTechs. As such, the Tight API allows you to connect your own Stripe platform account, so that you own the relationship between your customer and Stripe, including any associated economic benefits.

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How it works

Tight’s Invoicing API makes it easy for your team to provide invoicing functionality to your users, and your users can collect payments via the payment rails of your choosing. When leveraging Tight’s Stripe integration, your users will be able to collect payments from their clients via credit card or ACH, and your development team will not need to do any Stripe-specific development.

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Automated Reconciliation

Stripe deposits money directly into your users’ bank accounts on a regular cadence. When utilizing one of our Bank Transactions integrations, e.g. Plaid, this deposit will also be ingested by the Tight API as part of that integration. Importantly, Tight’s algorithms automate the reconciliation between these transactions from Plaid and Stripe, saving your users time that would have otherwise been spent manually reconciling these transactions in legacy accounting systems.

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Invoice Payout example

  1. The business owner sends out 4 $1000 invoices to 4 clients.
  2. Those 4 invoices are paid via 4 separate credit card payments via Stripe. Stripe charges the user $25 in merchant fees for each of the 4 invoices.
  3. The user receives a payout from Stripe for 3890(3890 (4000 minus 100inmerchantfeesminusa100 in merchant fees minus a 10 contribution to Stripe Climate), also seen as a $3890 deposit into their checking account.
  4. The Tight API automatically matches the 4 invoices with the one payout, and creates expenses for the various merchant fees. Furthermore, the Tight Embedded experience nests these transaction line items neatly under a single payout row.

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Getting started

If you haven’t already done so, you should create a Stripe account for your company/app. Once you have created a Stripe account, see our detailed instructions on how to configure your Stripe App to leverage the Tight integration.

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Connect your user’s Stripe accounts

With Tight’s Stripe integration, your team maintains control of where/when in your product’s onboarding flow the user is prompted to link their Stripe account. Your team also has full control of the look and feel of that CTA. Once you’ve implemented the CTA for your users to link their Stripe accounts, the Tight API takes care of all of the hard work around the linkage and data flows. Simply, follow our instructions for connecting your users’ Stripe accounts to the Tight API.

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Next steps

It’s as simple as that! Now your customers will be able to receive payments via credit card or ACH. If you have not already implemented the Tight Invoicing API nor embedded the Invoice Dashboard into your product, that is a great next step.