Contents8
What to have ready
Stripe asks for the same things your bank does. With everything at hand the account is finished in one sitting. Without it, signup stalls halfway and you start again later.
- Your registered business name exactly as it appears on the Gewerbeanmeldung, including the legal form.
- The restaurant’s business address.
- Your tax number (Steuernummer) and, if you have one, the VAT id.
- The IBAN of the business account you want to be paid into.
- An ID document for the person authorised to represent the business: identity card or passport, photographed legibly.
- A mobile number for two-factor sign-in.
Create the account
- Open dashboard.stripe.com/register. Email, name, password. Use the restaurant’s address, not your private one — every payout and security notice goes there.
- Choose Germany as the country. This cannot be changed later. An account created in the wrong country has to be replaced.
- Confirm your email using the link Stripe sends you.
- Set up two-factor sign-in. Stripe requires it. Use a number someone at the business will still have access to next year.
- Fill in the business profile. Legal form, name, address, tax number. Pick restaurant or food service as the industry.
One sentence is enough to describe the business: what you sell and that guests order online and collect. Stripe reads it to judge whether the account matches the payments that will arrive.
Confirm your identity
Stripe has to know who is behind the account. That is anti-money-laundering law rather than a Stripe quirk, and without it nothing is ever paid out.
You upload your ID — front and back, all four corners in frame, no glare, no flash on the hologram. A GmbH or UG also needs the commercial register extract, and Stripe asks for the beneficial owners: everyone holding more than 25 percent.
Where your money goes
You enter the IBAN Stripe pays out to. It should be your business account, and the account holder has to match the name on the Stripe account.
Stripe holds the first payout of a new account for a few days — this happens to every new merchant. After that it pays out on the schedule you set; daily or weekly is common. Standard payouts are free. Only instant payouts carry a fee.
Connect it to OwnGo
Once the account exists we send you a link. You open it, sign in to Stripe and confirm that OwnGo may take payments in your name. That is the whole procedure.
What matters is what does not happen: no second account is created, nothing is reviewed again, and OwnGo gets neither your password nor access to your balance. We may take and refund payments — we cannot withdraw money. You can revoke the approval yourself at any time.
What Stripe costs
Stripe charges per successful payment. There is no base fee, no setup cost and nothing for payments that fail. The fee deducted is shown per payment in your dashboard.
| Guest’s card | Stripe’s fee | On a €30 order |
|---|---|---|
| Card from the EEA | 1.5% + €0.25 | €0.70 |
| Premium card from the EEA | 2.8% + €0.25 | €1.09 |
| Card from the UK | 2.5% + €0.25 | €1.00 |
| Card from elsewhere | 3.15% + €0.25 | €1.20 |
The large majority of your guests pay with an ordinary EEA card. These figures are as of September 2026; Stripe’s pricing page is always the binding source.
What usually goes wrong
- Wrong country. It cannot be corrected. Check it before you click on.
- Private bank account on a business Stripe account. Stripe holds the payout until the names agree.
- Unreadable ID. Cropped corners and flash on the hologram are the most common reasons for rejection.
- Signup completed in test mode. The dashboard then shows a “Test data” switch at the top. While it is on, none of it is real.
- Two-factor on a private number. When that person leaves the restaurant, nobody can get into the account.
If you get stuck anywhere, send us a screenshot of where you are. We can see which review step your account is on and tell you what is still missing.