Owner questions, straight answers.

One flat 5% on the full amount collected through Stripe — all-in for standard domestic online card processing. It bundles Stripe's standard processing fee with OctoFood's platform fee, which covers your hosted menu page, ordering, payouts, and support. No monthly fee, no contracts, no commission stack.

On a standard domestic card your combined standard card + platform cost is exactly 5.0%: Stripe's standard 2.9% + C$0.30 is absorbed inside the 5%, not added on top — so you keep 95% of the bill.

The C$0.30 Small Order Fee applies to pickup and dine-in order/check payments when the menu subtotal is under C$15 — a settlement line on your side, never a customer surcharge. Non-standard Stripe fees — international cards, currency conversion, disputes, chargebacks, and fees Stripe retains on refunds — pass through at cost. Full detail on the pricing page.

Money moves through your own Stripe account (a Stripe Standard account in your name — you own it, you can see every charge in your Stripe dashboard). Stripe pays out on your normal Stripe schedule, typically 2 business days after the charge.

OctoFood never holds your money. Your total cost is 5% all-in (plus any Small Order Fee): Stripe takes its standard processing directly, and OctoFood's application fee is the remainder that brings the total to 5%. The rest settles straight to you.

Once a payment is captured, refunds work the same whether or not the order was picked up. If a captured payment is refunded, Stripe does not return the original processing fee — that retained fee remains your cost. OctoFood's platform fee is refunded only when an explicit refund-policy reason applies (for example a platform fault, a duplicate charge, or an erroneous capture). Before you accept an order nothing is captured, so cancelling is free.

Worked example on a C$30.00 order: once you have accepted it and the payment is captured, a refund sends the customer C$30.00 back and the C$30.00 comes out of your balance. The 5% all-in you originally paid was C$1.50, and Stripe's share of that — roughly C$1.17 of processing on the original charge — is not returned on a refund, so it stays your cost. OctoFood keeps only its platform fee, the ~C$0.33 slice inside that 5%, unless an explicit refund-policy reason applies.

Because charges run on your Stripe account, you are the merchant of record — a dispute lands on you, including Stripe's dispute fee if it is lost. That is the honest trade for a flat 5% all-in rate and owning your own payment history.

In practice the in-app complaint flow deflects most would-be disputes: an unhappy customer taps a button and we resolve it as a refund (see the tiers above) long before their bank gets involved. When a dispute does arrive, respond fast — we help you assemble the evidence (order record, pickup confirmation, timestamps).

GST applies to OctoFood's platform fee — the application-fee portion of the 5%, which is the service we sell you. Stripe's own processing inside the 5% is billed by Stripe, not us. The exact tax treatment of our fee — including how it is charged and invoiced — is still being finalized with our accountant, so we are not promising a specific invoice format yet. You will have clear records of anything we collect, and we will confirm the details before it affects your billing.

In the OctoFood merchant app — edit a dish, a price, a photo, or your hours and every surface updates at once: your hosted page, QR table cards, and checkout. Menu edits are live in minutes; no emails, no support ticket, no reprinting.