Getting Paid: Your Money Goes to Your Account

Most platforms that take money on a restaurant's behalf hold it for a while first. The money lands with them, sits there, and reaches you on their schedule, minus whatever they invoice you for later.

Mosey does not work that way, and the difference is worth understanding before you sell anything through it.

Your money goes to your account

When a customer pays for an order, a voucher, a ticket or an in-store payment, that money goes to your Stripe account. Not to Mosey's account, and not to a balance held on your behalf.

Mosey takes its commission out of the transaction as it happens, and the remainder is yours immediately, in an account in your name that you can log into.

Three things follow from that, and they all matter:

• You are never waiting on us. Your payout schedule is yours, set in your own Stripe account.
• You never get a commission bill. It is taken at the point of sale, so there is no invoice, no balance and nothing to reconcile at month end.
• If Mosey disappeared tomorrow, your money would still be in your account. That is a real property of the arrangement rather than a reassurance.

Setting it up

Connecting Stripe is part of setting up anything that takes money. You will be asked for the things a payment processor is legally required to collect — the business, who runs it, and the bank account payouts should reach.

It is a one-off and it is genuinely required. You cannot take a payment, sell a voucher or run a loyalty programme without it, because all three involve money moving to you.

What is taken, and when

Commission comes out of the transaction. Nothing is invoiced.

• In-store payments — 1.5%
• Orders for collection — 1.5%
• Delivery — 6%
• Event tickets — 4%
• Vouchers and promotions — 4.5%
• Memberships and food trails — 8%
• Loyalty — 1% of rewarded spend up to the monthly cap, then 0.4%
• Tips — 0%
• Reservation deposits — 0%

Rates are quoted ex-VAT, with VAT at 23% applied to the Mosey fee. Your own VAT on what you sold is unaffected and remains entirely your business.

The two zeroes, and why they are zero

Two things on that list cost nothing, and both are deliberate.

Tips are 0%. A tip is not revenue, it is money a customer gave to a person. Taking a percentage of it would mean taking a percentage of somebody's wages, which is not a thing Mosey is willing to do.

Reservation deposits are 0%. A deposit is your money, held against the risk of a no-show. It is not a sale and nothing has been sold, so there is nothing to take a commission on. If the booking happens and the deposit comes off the bill, the meal itself is charged however you take payment for it.

Where to look when a number does not match

Two places, and they answer different questions.

Mosey tells you what was sold: which orders, which vouchers, which loyalty rewards, on which days, by which member of staff. That is the question "what happened in my venue".

Stripe tells you what was paid out: which transactions were batched into which transfer, on which date, to which account, and what was deducted. That is the question "why is the figure in my bank account that number".

Most apparent discrepancies are the gap between those two, and it is almost always timing — a payout covers a window that does not line up with your week. Reading the payout in Stripe, which lists the transactions it contains, resolves it faster than any amount of arithmetic on the sales figure.

Refunds and disputes

A refund sends the customer's money back from the same account it went to. Where commission was taken on the original sale, it is unwound with it — you are not left paying a fee on a sale that did not happen.

A chargeback runs through your Stripe account, exactly as it would if you had taken the card yourself, and you can see and respond to it there. Mosey is not a party to it. The contract for the meal is between you and the customer, and Mosey's role is to move the money rather than to decide whose it is.

A worked example

A café takes €4,000 in a week: €2,500 in-store through Mosey Pay, €1,200 in collection orders, and €300 in gift vouchers. There is also €180 in tips.

• In-store: 1.5% of €2,500 = €37.50
• Collection: 1.5% of €1,200 = €18.00
• Vouchers: 4.5% of €300 = €13.50 (the €1.29 booking fee is paid by the buyer, not the café)
• Tips: nothing

Total commission is around €69, plus VAT on that fee, against €4,000 of sales. The €180 of tips is paid in full. Everything else is in the café's own Stripe account within its normal payout schedule, and no invoice arrives at the end of the month.

What it connects to

• What Mosey costs — every rate on one page, generated from the code that charges it
• Take payments in store with Mosey Pay — the 1.5% counter
• The Mosey till — where the money is taken
• Reservations and deposits — the 0% deposit
• Claim your place on Mosey — the free half, before any of this