Connecting Stripe is step one; finishing Stripe's onboarding is what actually lets you collect money. Until your connected account can accept charges, Cradled blocks anything that would charge a client.
What gets blocked
If your Stripe account isn't fully set up, Cradled won't let you send a payable invoice link, request a card on file, or start a payment plan. Instead you'll see a message telling you to finish your Stripe setup — so a client never lands on a broken "this account can't accept charges" error.
Why this happens
Stripe requires every account to be verified before it can process live charges. A freshly connected account often still owes information — business details, a bank account for payouts, and identity verification. Until those are submitted and Stripe clears them, charges are disabled.
How to finish it
- Go to Account → Payments.
- Open Stripe onboarding and complete every outstanding item — typically business details, a payout bank account, and identity verification.
- Stripe reviews the information (sometimes instantly, sometimes after a short check). Once your account is cleared, charging unlocks automatically — nothing to toggle in Cradled.