Payment processing guide · Last updated October 11, 2026

Home bakery payment processing without starting over

If you already tap cards through Square at the farmers’ market or take online payments through Stripe, your order system should not make you open another processor account, repeat verification, and reconcile payouts in a second dashboard. Connect the eligible account you already use and let customers pay through provider-hosted checkout. When payments go through that account, Confita adds 0% to the transaction.

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Key takeaways

Bring an existing Square seller account or eligible Stripe Standard account.
The payment is recorded in the provider account you connect. Confita never holds the funds.
Confita adds a 0% platform fee: payments run through your own connected account, and Stripe or Square processing fees still apply.
Keep bank transfer and cash available when those fit the order better.

Your order system and payment processor do different jobs

An order system collects the flavour, quantity, pickup day, allergy note, and deposit amount. A payment processor handles the card, confirms the payment, and moves the money toward your bank account. Those jobs can work together without one company owning both.

That separation matters when Saturday sales already run through Square, or when wholesale invoices already land in Stripe. Bringing that account into your online order flow keeps payment reporting and payout settings with the provider you already use. Confita records whether the bakery order was paid, but it does not hold the sale proceeds or receive raw card details.

What “bring your own account” means

It means account continuity, not a promise that every sales channel has the same processing rate.

	Square	Stripe	Confita
Account	Connect your existing Square seller account	Connect an eligible existing Standard account or create an Express account	Connects the order to the processor you choose
Where the customer pays	Square-hosted checkout	Stripe-hosted Checkout	Sends the customer to the provider
Where the payment is recorded	Your Square account and selected location	Your connected Stripe account	Order status only; Confita never holds the funds
Platform fee added by Confita	0%	0%	Payments go through your own connected account
What does not move over	Past sales, catalogue, and customer history	Past sales and customer history	No historical-payment import

The processor choice lives inside the order workflow

Confita keeps cards, transfers, cash, deposits, and order status in one payment setup. Connect the eligible provider account you already reconcile, then run a test order before customers see the checkout option.

Choose the payment methods that match how the bakery actually gets paid.

Confita payment settings showing cash, Stripe, Square, Zelle, Wise, PayPal, and bank transfer choices

The farmers’ market example

Picture a baker who takes taps at a Saturday market through Square, then opens custom cake requests on Monday. With Confita, she can connect that Square seller account, choose the Square location for online payments, and send a deposit link from the cake order. The customer pays on Square’s hosted page. Square records the payment for that account and location, then handles the payout to the linked bank under the seller’s payout settings.

The account is the same. The sales channel is not. A tap or dip at the stall is card-present, while a hosted online checkout is card-not-present. Square applies the rate that belongs to the online transaction, not necessarily the rate from the reader on your counter.

Start with the fee your order system adds

Processor fees are only one layer. Some ordering tools add their own card-payment fee. Confita does not. The payment runs through your own connected account, so you settle directly with your customer. Stripe or Square still charges the processing and account-specific fees that apply to your transaction.

For a concrete US example, Stripe’s standard domestic online-card rate and Square’s published Online API rate are both 2.9% + $0.30 at the time of this review. That works out to $3.20 on a $100 payment. Bakesy publishes 3.9% + $0.30 for its optional US-only Secure Payments flow, or $4.20 on the same amount. That is a $1 difference under those published rates, not a universal savings promise.

$100 US domestic online-card example	Published rate	Fee
Stripe standard online cards	2.9% + $0.30	$3.20
Square Online API	2.9% + $0.30	$3.20
Bakesy Secure Payments	3.9% + $0.30	$4.20

Choose the processor by the work around the payment

Choose Square when your in-person business already lives there and you want online deposits associated with a Square location. Choose Stripe when your online business already uses its dashboard, or when direct online checkout is the centre of the workflow. If neither history exists, compare country support, actual quoted rates, payout controls, dispute tools, and the dashboard you prefer.

You can keep both accounts connected in Confita, then make one processor active for customer card checkout. Customers do not have to guess between two card buttons. You can change the active processor later without rebuilding your products or order forms.

A practical payment setup for a home bakery

Offer card checkout for deposits and orders that need a firm commitment. Keep bank transfer or cash for regular customers and pickup situations where those methods are normal. Write the deposit amount, due date, cancellation terms, and remaining balance into the quote before sending the payment link.

Connect the account you already reconcile, if it is eligible.
Check the online rate in your own provider dashboard.
Use hosted checkout so the processor handles the card entry.
Judge the whole workflow, not one percentage in isolation.

Pairs well with

Read the guide for your next decision

GuideSquare for home bakeriesConnect the Square account you already use in person, choose a location, and take online deposits.GuideStripe for home bakeriesConnect an eligible existing Stripe account and understand direct charges, checkout, and fees.GuideStripe vs SquareChoose by existing workflow, sales channels, actual rates, and account ownership.ComparisonBakesy payment processingSee when its published 3.9% + $0.30 Secure Payments fee applies.ToolCake deposit policyA practical cake deposit policy guide for home bakers: deposit amounts, refund wording, reschedules, balances, and copyable terms for custom cake orders.FeatureDirect ordersSell fixed-price bakery products directly. Customers choose fulfilment and payment, then place the order without waiting for a quote or installing an app.FeatureCustom order quotesCollect custom cake details and reference images, then send a private quote with price, deposit, balance, and payment options.

Questions, answered

Frequently asked questions

Sources

Details were checked against public sources on October 11, 2026. Confirm current prices, policies, or provider instructions before relying on them.

What payment methods should a home bakery accept?

Take cards for deposits and online orders, because a card payment confirms the order on the spot. Keep cash, bank transfer, Zelle, PayPal or Wise for regulars and pickup, where those are normal. In Confita you can offer card checkout through your own Stripe or Square account next to any of those manual methods, so each customer pays the way they already do.

Can I use my existing Square account for online bakery orders?

Yes. Connect your existing Square seller account, then choose an eligible active location for your shop’s country and currency. Confita sends customers to Square-hosted checkout and adds no Confita fee on Square payments. Square’s applicable online processing fees still apply.

Can I connect an existing Stripe account?

Yes, if it is an eligible Stripe Standard account. Some accounts controlled by another platform cannot grant the required access. You can also create a connected Stripe Express account through Confita.

Does Confita charge a payment-processing fee?

Confita adds a 0% platform fee to the transaction: card payments run through your own connected Stripe or Square account. Stripe or Square still charges its applicable processing and account-specific fees. Bank transfer and cash can have different costs and verification steps.

Will my farmers’ market card rate apply online?

Not necessarily. Reader payments are normally card-present, while a provider-hosted online checkout is card-not-present. The processor applies the rate for the transaction type, plan, country, card, and currency involved.

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