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How are payments routed when you have multiple bank accounts?

Learn how Momence routes point-of-sale and online payments to the right Stripe account when you connect multiple bank accounts. Includes payment methods on file and reporting.

Written by Natasha Donaghy

After you connect multiple bank accounts to one Momence dashboard, Momence routes each payment to the correct Stripe account for that location. Use this article to understand where each sale type goes and how to report on it.


How Payments Get Routed

Momence routes payments based on where the sale happens and the customer’s home location.

Point of Sale Sales

Momence asks which location you’re selling from. It routes the sale to the Stripe account for the location you select. You can select only home locations.

Online Purchases at a Home Location

Momence routes these purchases to the Stripe account for the location where the purchase takes place:

  • classes, including payment plan payments.

  • appointments.

  • retail products.

All Other Online Purchases

Momence routes these purchases to the Stripe account connected to the customer’s home location. For example, when a customer buys a membership online, Momence routes the purchase and all later renewals to the Stripe account for their home location.

When Momence Can’t Determine the Stripe Account

Momence uses the default Stripe account connected to your dashboard.


Manage Payment Methods on File

Each payment method on file belongs to the home location where the customer created it. For example:

  • A customer pays in person at Studio A. Their card on file is available for later sales at Studio A.

  • The card doesn’t appear on file at Studio B. It appears there only if the customer adds it themselves or makes a later purchase at Studio B.

Keep this in mind when you change a customer’s home location. Momence shows an alert if the change puts you at risk of a payment method issue.


Report on Multiple Bank Accounts

Filter Momence Sales Reports by Home Location

You can filter all sales reports by home location. This shows all sales made by customers in that home location. This differs from filtering by Location, which shows sales for classes and appointments in that location.

See Which Bank Account Received Each Sale in Stripe

Run the Bank Reconciliation report in Stripe to see which bank account Momence routed each sale to.

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