Stripe Connect

Stripe Connect

Stripe Connect is LinkJolt's exclusive payment infrastructure for handling all affiliate commission payouts. This powerful system enables seamless commission distribution directly from merchants to affiliates worldwide, providing a professional and reliable payment experience.

What is Stripe Connect?

Stripe Connect is a payment platform designed for marketplaces and platforms like LinkJolt that need to facilitate payments between multiple parties. It serves as the foundation for all affiliate commission payments within the LinkJolt ecosystem.

Core Capabilities

• Accept payments on behalf of merchants
• Distribute funds directly to affiliates
• Handle compliance and regulatory requirements
• Provide transparency with detailed transaction records
• Scale globally with multi-currency support

How LinkJolt Uses Stripe Connect

Platform Architecture

1. LinkJolt platform (main Stripe account)
2. Merchant accounts (connected via Stripe or Paddle)
3. Affiliate Express accounts (automatic payout recipients)

Payment Flow in LinkJolt

1. Customer purchases through merchant's Stripe/Paddle checkout
2. LinkJolt tracks the affiliate referral
3. Commission calculated in real-time
4. Funds distributed via Stripe Connect
5. Direct transfers sent to affiliate bank accounts
6. All parties receive transaction records and notifications

Stripe Connect Express Accounts

LinkJolt exclusively uses Stripe Connect Express accounts for all affiliates, providing the optimal balance of simplicity and functionality.

Express Account Benefits

• Quick onboarding: Usually approved within minutes
• Simplified application: Minimal information required
• Stripe-branded experience: Professional payment handling
• Automatic compliance: All regulatory requirements managed
• Regional availability: Automatic payouts across the US, UK, EEA, Canada and Switzerland; CSV export to PayPal or Wise covers everywhere else

Onboarding Process

1. Affiliate approval: Get accepted to LinkJolt programs
2. Stripe Connect invitation: Automatic invitation sent
3. Express account creation: Complete Stripe onboarding
4. Identity verification: Automated KYC process
5. Bank account connection: Link payout destination
6. Ready to earn: Start receiving commission payments

Global Coverage

Supported Countries

Automatic payouts reach affiliates whose bank account is in the UK, US, Canada, Switzerland or most of Europe, 34 countries in total. Stripe does not permit platform payouts outside that region, so affiliates anywhere else are paid by CSV export to PayPal or Wise. The CSV route works worldwide.

Automatic payouts

• United Kingdom
• United States
• Canada
• Switzerland
• All 27 EU countries, including Germany, France, Spain, Italy, the Netherlands and Ireland
• Iceland, Liechtenstein and Norway

Paid by CSV export instead

• Australia, New Zealand, Singapore, Japan and Hong Kong
• Mexico and Brazil
• United Arab Emirates
• Everywhere else

Automatic payouts also settle in three currencies: GBP, US dollars and euros. A commission in any other currency is paid by CSV export, whatever the affiliate's country.

Payment Features

How automatic payouts run

• One daily run: the payout job runs once a day. There are no weekly, monthly or custom schedules to choose from.
• Roughly a day after approval: a commission is queued when the merchant approves it and is sent on the next run.
• No minimum payout: there is no threshold setting. Any approved commission is queued whatever its size.
• Merchant opt-in: automatic payouts are off until a merchant turns them on and accepts the payout terms. Pro plan and above.

Currency

• Paid in the currency the commission was earned in. LinkJolt does not convert. Stripe converts to the affiliate's own currency when it deposits, at its own rate, typically around 2%.
• Settled in GBP, US dollars or euros. A commission in any other currency cannot be sent automatically and is paid by CSV export instead.
• LinkJolt takes 0% of the commission. The merchant's card is charged the payout total plus a processing fee of 2.9% + 0.30, itemised before they confirm.

How the money reaches the affiliate

Stripe deposits into the affiliate's own bank account using local rails where they exist, for example ACH in the US, SEPA in the eurozone and Faster Payments in the UK. Timing is Stripe's, typically one to three business days depending on country.

Affiliates outside the countries listed above are paid by the merchant directly, using the CSV export for PayPal or Wise. That route reaches everywhere.

What each side gets

For affiliates

• No account with LinkJolt's payment processor to manage: onboarding is Stripe's hosted flow.
• Paid in your own currency, converted by Stripe on deposit.
• You handle your own tax. LinkJolt does not collect W-9 or W-8BEN forms and does not issue 1099s or other tax documents. Reporting your commission income is your responsibility.
• Payment notifications when a commission is approved and when it is paid.

For merchants

• You never hold affiliate funds. Each payout charges your saved card and sends that money straight to the affiliate.
• Identity checks are Stripe's: affiliates verify with Stripe directly, so you do not collect or store their bank details.
• Full transaction history in your dashboard, plus CSV export for anyone the automatic rail cannot reach.
• Automatic payouts cover 34 countries. Everywhere else is CSV export, by design.

Security

Handled by Stripe

• Card details and bank details are held by Stripe, never by LinkJolt.
• Affiliate identity verification (KYC) is part of Stripe's onboarding.
• Stripe runs its own fraud monitoring on payments and payouts.

Handled by LinkJolt

• Rule-based fraud detection on conversions, for example self-referral checks.
• Every payout is funded by an itemised charge the merchant consents to first.
• A daily reconciliation job re-checks the payout ledger independently of the app.

LinkJolt integration

What updates in real time

• Commission calculations at the moment a conversion is recorded.
• Balance and transaction views in the dashboard.
• Bell and email notifications for new sales, approvals and payouts.

In your dashboard

• Commission tracking and payout history with status.
• Payout method setup for affiliates.
• CSV export for manual payouts.

API Integration

• Seamless data flow between systems
• Automatic reconciliation
• Error handling and retry logic
• Webhook notifications
• Comprehensive logging

Cost Structure

LinkJolt's Policy

• Zero platform fees for Stripe Connect usage
• No markup on Stripe's standard fees
• Transparent pricing with no hidden costs
• Volume benefits passed to users

Stripe Connect Fees

• Express accounts: No setup or monthly fees
• Standard transfers: $0.25-2 per transfer (varies by country)
• Express transfers: 1.5% fee for same-day (where available)
• Currency conversion: Market-competitive rates

Cost Optimization

• Higher payout thresholds reduce per-transfer costs
• Local currency payouts minimize conversion fees
• Bulk processing for maximum efficiency
• Flexible schedules to optimize costs

Getting Started

For New Affiliates

1. Join LinkJolt: Apply for affiliate programs
2. Get approved: Merchants approve your application
3. Receive invitation: Automatic Stripe Connect setup email
4. Complete onboarding: Quick 2-minute process
5. Start earning: Commission payments begin automatically

For Existing Users

• Automatic migration: Existing affiliates seamlessly transferred
• Enhanced features: Improved payment experience
• Continued earnings: No interruption to income
• Better support: Professional customer service

Support and Help

• Comprehensive documentation: Complete setup guides
• LinkJolt support: Platform-specific assistance
• Stripe support: Direct access to payment experts
• Community help: Affiliate community forums

Troubleshooting

Common Issues

• Verification delays: Provide additional documentation
• Bank account: Update or verify account details
• Geographic restrictions: Confirm country eligibility
• Technical problems: Contact support team

Resolution Process

1. Automatic detection of issues
2. Immediate notifications to affected users
3. Clear instructions for resolution
4. Support team assistance available
5. Follow-up confirmation when resolved

Stripe Connect provides LinkJolt with a world-class payment infrastructure that ensures all affiliates receive professional, reliable, and secure commission payments.

Ready to start earning with professional payment infrastructure?

1. Join LinkJolt: Sign up for your affiliate account
2. Get approved: Apply to merchant programs
3. Connect payments: Complete Stripe Connect onboarding
4. Start promoting: Begin earning commissions
5. Get paid automatically: Direct deposits to your bank

Start Your Affiliate Journey →