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Payments Integration · Type A

Stripe Payment Integration

Process payments directly in Hykmah via Stripe. Accept credit cards, Apple Pay, Google Pay and BECS Direct Debit. Automatic reconciliation with Xero and MYOB. No manual payment matching.

  • Real-time
  • Credit Cards
  • BECS Direct Debit
  • Included — No Extra Cost
Talk to Us View Setup Guide
Shopify Integration

New to Hykmah? Operations platform with Recuron (subscription billing), Sellwise (retail commerce), Operon (field service & jobs), StockWise (inventory), and Orderlink (B2B ordering). Stripe powers payments across all products. Plans from $50/month AUD.

Learn more about Hykmah
Connect Stripe

How to Connect Hykmah with Stripe

1

In Hykmah: Settings → Integrations → Payments → Connect Stripe

2

Authorise Hykmah via Stripe OAuth2 — redirected to your Stripe dashboard

3

Configure payment methods  to enable (cards, BECS Direct Debit, Apple Pay, etc.)

4

Map Stripe to Xero/MYOB accounting for automatic reconciliation

5

Test with a sample payment — verify in Stripe and Xero/MYOB — go live

Setup Time: 5 minutes Cost: Integration included in Hykmah Professional ($50/month AUD). Stripe transaction fees apply.
Requirements: Active Stripe account, Hykmah Professional or higher Sync Type: Real-time via Stripe webhooks
USE CASES

How Australian Businesses Use Hykmah + Stripe

Real scenarios from businesses using Stripe payments within Hykmah.

Recuron + Stripe Subscription billing with automatic BECS Direct Debit collection

Challenge: Software company billing 500 clients monthly. Manual invoice-and-chase process led to significant late payment rates and admin overhead each month.

Solution: Recuron uses Stripe BECS Direct Debit to automatically collect payments from clients' Australian bank accounts on billing day. Failed payments trigger an automated dunning sequence via Recuron.

Result: Late payment rate reduced significantly. Monthly billing admin reduced from days to hours.

Sellwise + Stripe Online store checkout with Apple Pay and card payments

Challenge: Health products retailer using Sellwise for their online store. Previous payment gateway had high decline rates on mobile and didn't support Apple Pay, costing conversions.

Solution: Stripe powers Sellwise checkout with Stripe Elements. Apple Pay and Google Pay buttons shown on supported devices. Stripe Radar fraud detection runs on every transaction automatically.

Result: Mobile conversion rate improved. Fraud chargebacks reduced with Stripe Radar.

Operon + Stripe Field technicians collecting payment on job completion

Challenge: HVAC service company with 20 technicians. Collecting payment in the field required paper credit card forms or invoicing after the fact — a significant proportion of invoices not paid within 30 days.

Solution: Operon generates a Stripe payment link when a job is marked complete. Technicians send the link to customers via SMS or email. Customers pay via card or Apple Pay on their phone. Payment instantly reconciles in Xero.

Result: Majority of jobs paid within 24 hours of completion. Debtor management workload reduced significantly.
WHY STRIPE IN HYKMAH

Industry-Leading Payments for Australian Businesses

Stripe is the most developer-trusted payment platform globally. Integrated directly into Hykmah for seamless payment collection across every product.

One Payment Layer Across All Products

Stripe powers payments in Sellwise (checkout), Recuron (subscriptions), Operon (job payment links) and Orderlink (B2B invoices). One Stripe connection, one reconciliation feed, one payout to your bank account.

BECS Direct Debit for Australian Recurring Payments

Collect subscription and recurring payments directly from Australian bank accounts via BECS Direct Debit. No card expiry, no failed card retries — mandate-based debit on the due date every time.

Automatic Reconciliation with Xero and MYOB

Every Stripe payment updates the corresponding Xero or MYOB invoice automatically. No manual payment matching. Stripe payouts reconcile as batch payments. Stripe fees tracked as expenses.

Stripe Radar Fraud Protection

Machine learning fraud detection runs on every transaction automatically. Custom Radar rules configurable per business risk profile. No additional cost — included with Stripe on all Hykmah plans.

Stripe integration is included in all Hykmah plans — no per-transaction integration fee. Stripe's standard transaction fees apply per payment processed.

See detailed pricing below
WHAT SYNCS

What Syncs Between Hykmah and Stripe

Complete payment data flow between Hykmah operations and Stripe.

Payments

Real-time Payment intents created in Hykmah processed via Stripe. Successful payments update Hykmah order status and trigger Xero/MYOB reconciliation automatically.

Bi-directional

Refunds

Real-time Refunds initiated in Hykmah processed via Stripe immediately. Xero/MYOB credit notes created automatically. Customer notified via email through Stripe.

Real-time

Subscriptions

Bi-directional Recuron subscription plans create Stripe subscriptions. Billing cycles, trial periods and plan changes managed in Recuron, executed via Stripe.

Bi-directional

Payment Methods

Stripe-managed Customer payment methods (cards, bank accounts) stored securely in Stripe. Reused for future payments or subscription renewals without re-entering card details.

Bi-directional

Customers

Bi-directional Hykmah customers sync to Stripe customer records. Payment history, saved cards and subscription status accessible from Hykmah and Stripe dashboards.

Bi-directional

Disputes

Stripe → Hykmah Stripe disputes (chargebacks) notify Hykmah automatically. Dispute evidence management links to original Hykmah order data for submission.

Bi-directional

Payouts

Stripe → Hykmah Stripe payouts to your Australian bank account tracked in Hykmah. Payout dates, amounts and included transactions visible for reconciliation.

Bi-directional

Invoices

Bi-directional Stripe invoices (for Recuron subscriptions) sync to Hykmah and trigger corresponding Xero/MYOB invoice creation for complete accounting visibility.

Bi-directional
HOW IT WORKS

How the Integration Works

Payment Initiated in Hykmah

Customer pays via Hykmah checkout (Sellwise), invoice link (Operon), subscription billing (Recuron) or B2B order (Orderlink). Stripe handles the payment capture.

Stripe Processes and Confirms

Stripe processes the payment, runs Radar fraud checks and returns success or failure to Hykmah within seconds via webhook.

Hykmah Updates and Reconciles

Successful payment updates Hykmah order status. Xero or MYOB invoice marked paid automatically. Customer receives receipt from Stripe.

Technical Architecture

  • Stripe Payment Intents API — Modern Stripe API with built-in 3D Secure and SCA compliance. OAuth2 connection for Stripe Connect.

  • BECS Direct Debit — Australian bank account debit via Stripe. Mandate management, debit retries and failure handling all built in.

  • Stripe Radar — Machine learning fraud detection runs on every transaction. Custom rules configurable per business risk profile.

  • Webhook-Driven — Real-time payment events received via Stripe webhooks. No polling — immediate status updates.

  • PCI DSS Compliant — Card data never touches Hykmah servers. All card handling via Stripe Elements on the client side.

Sync Frequency

  • Real-time: Payment events via Stripe webhooks (typically <2 seconds)
  • Scheduled: Payout reconciliation and dispute status updates every hour
  • Manual: On-demand payment history reconciliation available

Security & Compliance

  • PCI DSS Level 1 compliant (via Stripe)
  • 3D Secure and SCA supported
  • Encryption in transit: TLS 1.3
  • No card data stored in Hykmah
  • Privacy Act 1988 (AU) compliant

System Requirements

  • Active Stripe account
  • Hykmah Professional plan or higher
  • Admin access to both systems
Setup Guide

Connect Stripe to Hykmah in Under 5 Minutes

Step-by-step integration setup for Stripe

1.

Connect Your Stripe Account

In Hykmah, navigate to Settings → Integrations → Payments and click "Connect Stripe". You will be redirected to Stripe for OAuth2 authorisation.

  • Log in to your Stripe account
  • Review and approve Hykmah access permissions
  • Select Live mode (or Test mode for testing first)
  • Confirm successful connection in Hykmah
2.

Configure Payment Methods

Enable the payment methods relevant to your business:

  • Enable credit/debit cards (Visa, Mastercard, Amex)
  • Enable BECS Direct Debit for Australian bank account payments
  • Enable Apple Pay and Google Pay for mobile checkout
  • Enable Afterpay if relevant to your customer base
  • Configure 3D Secure settings per risk profile
3.

Connect to Xero or MYOB for Auto-Reconciliation

Import existing products and orders:

  • Map Stripe to a Xero or MYOB clearing account (Stripe Clearing recommended)
  • Set Stripe payout batch reconciliation rules
  • Configure Stripe transaction fee handling (expense account in Xero/MYOB)
  • Test reconciliation with a sample payment
4.

Test and Go Live

Verify integration works correctly before enabling for production:

  • Process a test card payment using Stripe test card numbers
  • Verify Hykmah order status updates to Paid
  • Verify Xero/MYOB invoice is marked paid automatically
  • Test a refund and verify credit note creation
  • Switch to Live mode and process a real payment to confirm
PRICING

Stripe Integration Included in Hykmah Plans

No per-integration fees. Stripe transaction fees apply separately per payment processed.

Integration Cost: $0/month — included on all tiers.

With Integration

  • Payments captured and reconciled inside Hykmah automatically
  • Xero/MYOB invoices marked paid instantly on payment receipt
  • BECS Direct Debit collects recurring payments automatically on due date
  • Stripe Radar fraud detection runs on every transaction automatically
  • One Stripe connection powers all Hykmah products

Without Integration

  • Payments collected outside Hykmah, matched manually
  • Xero/MYOB invoices marked paid by hand
  • Subscription payments chased manually each cycle
  • Fraud screening managed separately or not at all
  • Separate payment tools per product

Stripe Transaction Fees

(set by Stripe, not Hykmah)

Domestic PayPal: 1.7% + 30c

BECS Direct Debit: 0.75% (capped $7.50)

International: 3.5% + 30c

No monthly minimums

Stripe transaction fees are set by Stripe and subject to change.

View current Stripe AU pricing
FAQs

Frequently Asked Questions

Does Hykmah support BECS Direct Debit via Stripe?

Yes. Stripe BECS Direct Debit (Australian bank account debit) is supported in Hykmah for subscription billing via Recuron and one-off invoice payments. Customers authorise a direct debit mandate and payments are collected automatically on the due date.

How does Stripe integrate with Xero or MYOB in Hykmah?

When a Stripe payment is received in Hykmah, the corresponding Xero or MYOB invoice is marked paid automatically. No manual reconciliation is required. Stripe payouts to your bank account are tracked and reconciled in Xero/MYOB as a separate batch payment.

Can Hykmah use Stripe for recurring subscription payments?

Yes. Recuron (Hykmah's subscription billing product) uses Stripe for recurring payments. Stripe handles payment scheduling, card retries on failure and BECS Direct Debit mandates. Recuron manages subscription logic, billing cycles and dunning.

What Stripe payment methods are supported in Hykmah?

Supported payment methods include Visa, Mastercard, American Express, Apple Pay, Google Pay, BECS Direct Debit (AU bank debit) and Afterpay (via Stripe). Buy Now Pay Later methods depend on your Stripe account region settings.

Does Hykmah support Stripe Connect for multi-seller payments?

Yes. Hykmah Enterprise supports Stripe Connect for multi-sided marketplace or franchise models where payments are split between a platform and individual sellers or franchisees.

Is there a cost for the Stripe integration?

No. The Stripe integration connector is included in Hykmah Professional ($50/month AUD), Premium and Enterprise at no additional cost. Stripe's standard transaction fees apply separately (1.7% + 30c for domestic cards in Australia).

Troubleshooting

Common Issues & Solutions

Payments succeeding in Stripe but Hykmah order not updating

Stripe webhook not delivered to Hykmah, webhook endpoint URL changed after setup, or webhook signing secret mismatch.

Fix: Check webhook status in Stripe Dashboard → Developers → Webhooks. Verify the Hykmah endpoint URL is listed and receiving events. If events are failing, regenerate the webhook in Hykmah Settings → Stripe → Reconnect Webhooks.

BECS Direct Debit payments failing

Incorrect BSB or account number entered by customer, mandate not activated (requires 1 business day lead time), or account has insufficient funds.

Fix: Check Stripe payment failure reason in Dashboard. BECS Direct Debit requires a 1 business day lead time before first debit. Ensure customers complete BSB and account number verification correctly. Failed direct debits automatically retry per Recuron dunning settings.

Xero/MYOB not reconciling Stripe payments automatically

Xero/MYOB integration not connected, incorrect clearing account mapped for Stripe, or accounting integration connected after Stripe was set up.

Fix: Verify Xero or MYOB connection at Settings → Accounting → Connection Status. Check Stripe clearing account mapping at Settings → Stripe → Accounting. Manually reconcile any historical payments that pre-date the accounting connection.

Card payments being declined unexpectedly

Stripe Radar rules blocking legitimate transactions, 3D Secure authentication failing on specific card types, or test mode credentials being used in live environment.

Fix: Check Stripe Radar logs for decline reasons. Review Radar rules for overly aggressive fraud thresholds. Ensure live mode API keys are configured in Hykmah (not test keys). For 3DS failures, check that 3DS settings match your customer's card issuer requirements.

RELATED INTEGRATIONS

Complement Stripe with These Integrations

Connect multiple sales channels and back-office systems for complete operations automation.

PayPal

Alternative payment option — PayPal, PayPal Credit and Afterpay.

View PayPal

Xero

Automatic invoice reconciliation on every Stripe payment received.

View Xero

MYOB

Automatic MYOB payment reconciliation for Australian businesses.

View MYOB

Shopify

E-commerce store with Stripe checkout and inventory management.

View Shopify

Ready to Accept Payments with Stripe?

Connect Stripe to Hykmah and accept cards, BECS Direct Debit, Apple Pay and Google Pay across all your products — with automatic reconciliation to Xero or MYOB. Setup in 5 minutes.

Book My Demo Get Started Free

BECS Direct Debit — Australian bank account payments

Australian support — Mon–Fri 9am–5pm AEST

$50/month AUD — Stripe integration included, Stripe fees apply per transaction

5-minute setup — connect via Stripe OAuth2

No lock-in contracts — Cancel anytime

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