Get paid your way

Best for most businesses taking cards online. Money goes to your bank on a schedule you choose.

1. Create your account

1. Go to dashboard.stripe.com/register and sign up with your business email.
2. Choose Canada, then complete “Activate payments”: business type, your details and the bank account for payouts.

2. Copy your keys

1. In Stripe, turn on Test mode (top right) and open Developers → API keys.
2. Copy the Publishable key (pk_test_…) and reveal and copy the Secret key (sk_test_…).
3. In BookNavio go to Settings → Payments → Stripe, paste both keys, tick “Take card payments with Stripe”, choose Test and save.
4. Press “Test Stripe”. You should see “Stripe connected”.

3. Try it, then go live

1. Book on your own booking page and pay with the test card 4242 4242 4242 4242, any future date and any CVC.
2. When it works, turn Test mode off in Stripe, copy the live keys (pk_live_ / sk_live_) into the Live fields, set Mode to Live and save.

💡 Refunds are made in your Stripe Dashboard: Payments → choose the payment → Refund.

Good if you already use a Square reader or terminal: online and in-person payments land in one Square account.

1. Create a developer app

1. Sign in at developer.squareup.com/apps with your Square account and create an application (e.g. “Online bookings”).
2. Choose Sandbox at the top and copy the Sandbox access token from Credentials.
3. Open Locations and copy the Location ID.

2. Connect BookNavio

1. Settings → Payments → Square: paste the token and Location ID, tick “Take card payments with Square”, choose Sandbox, save and press “Test Square”.
2. Test with card 4111 1111 1111 1111, CVV 111.

3. Go live

1. Switch the app to Production, copy the production access token and your real shop’s Location ID into the Production fields, choose Live and save.

💡 Use the same Square account on your counter terminal, then record those payments in BookNavio as “Credit card (terminal)” or “Debit (terminal)”.

Lets clients pay with their PayPal account or a card through PayPal.

1. Get your credentials

1. You need a PayPal Business account (paypal.com/ca/business).
2. Sign in at developer.paypal.com → Apps & Credentials → Sandbox → Create App (Merchant).
3. Copy the Client ID and the Secret.

2. Connect and test

1. Settings → Payments → PayPal: paste them into the Sandbox fields, tick “Take payments with PayPal”, choose Sandbox, save and press “Test PayPal”.
2. Pay with the sandbox Personal account listed under Testing Tools → Sandbox Accounts.

3. Go live

1. Switch to the Live tab in Apps & Credentials, create an app, paste the live Client ID and Secret, choose Live and save.

💡 Refunds are made in PayPal: Activity → choose the payment → Issue a refund.

Free or cheap for most Canadian business accounts, and every client knows how to use it.

1. At your bank

1. Register a receiving email in your business online banking (e.g. payments@yourclinic.ca).
2. Turn on Autodeposit so clients don’t need a security question.

2. In BookNavio

1. Settings → Payments → Interac e-Transfer: tick “Let clients choose to pay by e-Transfer” and enter the same email.
2. Optional: write your own instructions using {amount}, {email} and {business}.
3. Clients now see e-Transfer on the booking form, with instructions on the confirmation page and email.

3. When the money arrives

1. Open the appointment, choose “How they paid: Interac e-Transfer”, check the amount and press Record payment.

💡 Unpaid e-Transfer bookings stay in the “Unpaid” total on your dashboard until you record them.

Use any terminal you already have (Square, Moneris, Helcim, Clover or your bank’s) and keep one record of everything.

1. At checkout

1. Open the appointment from the calendar and mark it Completed.
2. Under Take payment choose how they paid: cash, debit, credit card terminal, cheque, e-Transfer or insurance.
3. Check the amount (change it for a part payment) and press Record payment.

2. Receipts

1. Press Email receipt or Print receipt. Receipts show your GST/HST number and the practitioner’s designation and registration number.

💡 Reports show totals by payment method so your daily cash-out matches the terminal batch.

Sell prepaid visits and gift cards and let BookNavio count the balances.

1. Packages and memberships

1. Packages & gift cards → New package. Choose Package (visits paid up front) or Membership (visits every month), the price, visits and which services it covers.
2. Sell it from the client file (Packages tab) and record how they paid.
3. At checkout press “Use a package visit” on the appointment.

2. Gift cards

1. Packages & gift cards → Gift cards → Sell a gift card. Enter the amount, who it’s for and how it was paid; the code is emailed to them.
2. At checkout press “Pay with a gift card” and type the code. Any balance stays on the card.

💡 Packages and gift cards count as sales when they are sold, not again when they are used, so your reports stay accurate.

Help clients claim their benefits, or bill insurers yourself.

1. Set up

1. Add each practitioner’s designation (e.g. RMT, PT), registration number and college on their staff profile.
2. Turn on Settings → Insurance to collect coverage details when clients book.

2. Client claims it

1. Clients open their receipt from their account or email and submit it to their insurer.

3. You bill the insurer

1. On the appointment open “Bill an insurer for this visit”, choose the insurer and amount, and submit the claim in the insurer’s provider portal (e.g. TELUS eClaims or Alberta Blue Cross).
2. Record the claim number and set the status to Submitted.
3. When the insurer pays, enter the amount paid: it is applied to the visit and the client pays only the rest.

💡 Insurance claims shows everything waiting on insurers and how many days each claim has been outstanding.