# How Payments Work

## Overview

Patio is a platform that connects people who want to rent tools with those who need them.

Payments on Patio are processed securely through Stripe.

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## Paying for a Rental

When a renter books a tool:

- The renter provides payment details through Stripe’s secure system
- The total amount (including any applicable fees) is charged at checkout
- Patio may include a service fee in the total price

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## Payment Processing

All payments are handled by Stripe.

Stripe is responsible for:

- Processing card payments
- Securing payment information
- Handling payment authorization

Patio does not store full credit card details.

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## Payouts to Owners

When a rental is completed:

- Funds are transferred to the tool owner via Stripe
- Payout timing depends on Stripe’s processing and account verification
- Owners must complete any required onboarding steps with Stripe to receive payouts

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## Fees

Patio may charge service or transaction fees for facilitating payments.

These fees are shown before completing a transaction.

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## Refunds and Disputes

Refunds and disputes are handled based on the agreement between users.

Patio may assist in resolving disputes but is not a party to rental agreements.

Stripe may also handle payment disputes (such as chargebacks) in accordance with its policies.

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## Compliance

By using Patio:

- You agree to Stripe’s terms and policies
- You authorize Patio to facilitate payments on your behalf

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## Contact

If you have questions about payments:

**Email:** legal@patio.so