How to Create a Payment Stream: Step by Step Guide.

Okay, before you touch anything fancy, just name it like "Gym Memberships Jan" or whatever fits your biz. Why? 'Cause later when you're juggling five streams, you'll thank me. I usually slap on the month or customer type right away. Keeps chaos away.

Sound familiar? You've got clients paying monthly, but chasing checks sucks. Payment streams fix that. Basically, it's your automated billing plan-recurring hits on dates you pick. No more "Forgot to pay!" drama.

Pick Your Platform - Rerun or Stripe?

Look, I'm all about Rerun App if you're doing fitness classes, coaching, or anything with repeat clients. It's built for streams like gym dues or lesson packs. Stripe? Killer for one offs turning recurring, or if you're selling online quick. In my experience, Rerun handles customer lists and taxes smoother for ongoing stuff.

But here's the thing: Stripe's free to start, fees around 2.9% + 30¢ per card charge. Rerun layers on top but integrates QuickBooks easy. Don't overthink-sign up for both trials today. Takes 5 mins.

Rerun's Edge for Recurring Madness

Rerun shines 'cause you build unlimited customers and items in one stream. Automatic pulls cash, or invoicing emails with "Pay Now" buttons. Why does this matter? Customers log in, pick invoices, done. No auto charge surprises.

Step by Step: Fire Up Rerun and Build Your First Stream

  1. Hit the Payments tab. Boom, bottom of page: "Create Payment Stream". Click it. Screen pops with basics.
  2. Name it. "Monthly Coaching" or whatever. Keep it real.
  3. Pick type: Automatic for hands off charges, or Invoicing if you want them clicking pay. I go automatic 90% time.
  4. Stream Term: Fixed like 4 payments, or unlimited till you pause. Unlimited's my jam for long term clients.
  5. Frequency: Daily? Nah. Weekly, Monthly, Quarterly. Pick what matches-monthly's king for most.

Stuck already? Variable Stream option for monthly-prorates first payment if they join mid cycle. But heads up: Can't change it later. Delete and redo if messed up.

Now items. Add existing or new-like "30min Session $50". Price it. Initial fee? Slap a $20 setup if you want. CC Surcharge? Pass that 3-4% card fee to them legally in most spots.

  1. Customers section. Add one, or bulk import. Per customer: Discount? Say 10% for referrals. Start date? Future proof it. Taxes? Pull from QuickBooks or make 'em in Rerun-pick one or two codes.
  2. Number of payments per customer. Matches stream or less if joining late.
  3. Hit Create Payment Stream. Done. Test with your own card-refund after.

Trouble Spots I Always Hit (And Fixes)

  • Proration fails: Toggle "Auto Prorate First Payment" early. Mid month join? It chops the fee fair-like $25 for half month at $50 rate.
  • Taxes missing: Import from Xero/QuickBooks first. Or manual: 8.25% CA sales tax, whatever your state bites.
  • Customer flakes: Invoicing gives 'em login to pay anytime. Set reminders in app.
  • Gas? Wait, no blockchain here-Rerun's not crypto. Fees pure processing: ~2.75% + 30¢ typical.

Honestly, first stream took me 10 mins once setup. Scaled to 200 clients no sweat.

Stripe Angle: When You Need Links or Invoices Fast

Switching gears. Stripe if Rerun feels clunky or you're solo seller. Create payment links-no code. Share via text, QR. Turns into landing page: "Pay $49/month yoga".

I usually start here for quick wins. Dashboard > Payments > Payment Links > New. Set price, recurring? Toggle on. Fees: 2.9% + 30¢ US cards, lower for ACH.

Stripe vs RerunBest ForFees Example ($100 txn)
Stripe LinksOne offs to subs quick$3.20
Rerun StreamsClient lists, taxes auto$2.75 + surcharge opt
Both?Hybrid: Links then streamMix 'n match

What's next? Customize Stripe invoice: Add customer, items from catalog. Personalize logo, note: "Thanks buddy!" Mobile app shares QR-scan at market, paid.

Make It Recurring in Stripe Without Headache

Payment link > Add price > Recurring monthly. Customers tweak quantity? Enable it. Collect address for taxes. Boom, stream like. But for big lists, Rerun wins.

Layer On Customers and Items Like a Pro

Back to Rerun- this is where it flexes. Items first: Create "Basic Plan $99", "Pro $199". Import from CSV if you got 'em. Customers? New or existing. Assign discount per head: "John gets 15% cuz loyal".

Taxes per customer-US states vary wild, 0% to 10%. Two codes max, like sales + local. Start date offsets: Join March 15? First bill prorated April 1.

In my experience, bulk add customers day one. Excel export from your CRM, import. Saves hours.

GoCardless If You're Bank Pull Fan

US? Direct Debit via GoCardless. Free account, payment links for recurring bank pulls. Fees: 1% + 20¢ ACH, cheaper than cards. Steps: Sign up, link accounting, create link, share. Auto collects on date.

Why bother? Customers hate cards, banks reliable. Pair with Stripe for options.

Potential issue: Bank verification 2-3 days first pull. Warn 'em.

Real Talk: Fees, Gotchas, Scale Tips

Numbers time. Rerun/Stripe cards: 2.9% + 30¢. ACH lower, 0.8% some. Surcharge? Add 3-4% to customer-legal in 48 states. Track: Dashboard shows all.

Scale hack: Pause stream for vacations. Add/remove customers anytime. Failed pay? Auto retries 3x, then email.

But crypto curious? Skip for now-Solana streams cost 0.000005 SOL gas (~$0.001), but Rerun ain't there. USDC/USDT stable. Another guide someday.

Test Run: Pretend You're the Customer

Always. Create stream, add yourself. Pay $1 test. Check email if invoicing. Refund via dashboard. Spots issues like wrong tax (8% vs 8.25%).

Emails glitch? Check spam. Start dates wrong? Edit customer, not stream.

Unlimited vs Fixed: My Rule

Unlimited for memberships. Fixed for courses: "12 weekly lessons". Customer override: Set 8 if they join late.

Integrate with Your Life - QuickBooks, Email, Whatever

Rerun syncs QuickBooks Online/Xero. Taxes auto import. Items push as invoices. Stripe? Zapier to email lists.

I usually set daily email summaries. "5 payments in, $500 total". Peace of mind.

Multiple streams? Group by service: "Yoga", "Personal Training". Dashboard filters easy.

Common Screw Ups and My Fixes

Frequency mismatch-monthly on 31st? Skips Feb. Fix: Pick day 1-28.

Discounts not applying? Per customer only. Double check.

Refunds? One click, full/partial. Log it.

Big gotcha: CC rules-can't surcharge debit always. Check state laws.

Level Up: Discounts, Taxes, Prorates Deep Dive

Discounts stack? No, one per customer. 20% off = $80 on $100.

Taxes: Create codes like "NY 8.875%". Apply selective-zero for services sometimes.

Prorate math: $100 monthly, join day 15 (16/30 days left). ~$53.33 first. Toggle on.

Honestly, play with sandbox mode first. Zero risk.

Share and Collect Like a Boss

Stream live? Links auto send. Or manual: Copy dashboard link.

Stripe QR for in person. "Scan to sub."

Track opens, pays. Low? Nudge email: "Missed ya-pay here?"

That's it, dude. Your first stream pays tomorrow. Hit snags? Tweak and rerun. Scales forever.