Payment Terms

effective November 10, 2026version 1.0

These Payment Terms apply to every business that accepts payments through Sable. They form part of the Terms of Service and are accepted when you set up payments. "Sable," "we," "us," and "our" mean Sable Systems LLC, a Texas limited liability company that operates the Sable platform and the Stripe Connect platform account through which your payments are processed.

1. Fees and payouts

Sable charges 3.5% plus 30 cents on each card payment, shown in your payment settings before you take a payment. Payouts go to the bank account on your Stripe account, on the schedule shown in your payment settings. If you pass a processing or service fee on to your clients, you are responsible for following the surcharge laws where you do business.

2. Definitions

  • "You," "your," and "Merchant" mean the stylist, salon, business, or other organization that has registered a Connected Account and accepts payments through Sable.
  • "Processor" means Stripe, Inc. and its affiliates, our third-party payment processor.
  • "Connected Account" means the Stripe account created for you and linked to the Sable platform that enables you to accept payments.
  • "Transaction" means any payment, charge, or sale processed through your Connected Account, including payments from your clients for appointments, services, products, deposits, tips, and gift cards.
  • "Chargeback" means a reversal of a Transaction initiated by a cardholder, card issuer, or card network, including any "dispute" as that term is used by the Processor.
  • "Dispute" means a cardholder's or issuer's challenge to a Transaction, whether or not it results in a Chargeback, and includes inquiries, retrievals, and pre-arbitration and arbitration proceedings.
  • "Refund" means a return of funds to a client for a Transaction, whether issued by you or by Sable.
  • "Dispute Fees" means all fees, assessments, fines, and penalties charged by the Processor, an issuer, or a card network in connection with a Dispute, Chargeback, or excessive-dispute activity. These fees are generally non-refundable even when a Dispute is resolved in your favor.
  • "Reimbursable Amount" means, collectively, (a) the full amount of any Chargeback, Dispute, or Refund debited from Sable's platform balance in connection with your Transactions; (b) all associated Dispute Fees; (c) any negative balance on your Connected Account; and (d) any related costs Sable reasonably incurs, including the costs described in section 7.

3. How your payments are processed

You acknowledge and agree that:

  • (a) Sable accepts client payments on your behalf as a Stripe Connect platform using destination charges. Each Transaction is created on Sable's platform account, and the corresponding funds (less applicable fees) are transferred to your Connected Account.
  • (b) Chargebacks and Disputes debit Sable's platform balance for the disputed amount and any Dispute Fees, even though you already received the funds for the underlying Transaction. Because those funds were transferred to your Connected Account before the Chargeback occurred, Sable cannot recover them from the Transaction itself and is left out of pocket unless and until it recovers them from you under these Payment Terms.
  • (c) Refunds are processed by reversing the original transfer to your Connected Account: the refunded amount is taken back from your Connected Account balance (or creates a negative balance on it if your balance is insufficient), so you bear refunds directly. Sable's platform fee on the original Transaction is not returned to you when you issue a Refund (see section 6(d)).
  • (d) Sable is therefore financially exposed to, and liable to the Processor and the card networks for, Chargebacks and Disputes arising from your Transactions, and is exposed to any negative Connected Account balance arising from your Refunds. These Payment Terms govern your obligation to make Sable whole for that exposure.

4. Your reimbursement obligation

You are solely and fully responsible for all Chargebacks, Disputes, and Refunds arising from your Transactions. You agree to reimburse Sable for the full Reimbursable Amount. This obligation applies regardless of:

  • (a) the reason for, or validity of, the Chargeback, Dispute, or Refund;
  • (b) whether the Transaction was authorized, fulfilled, or completed;
  • (c) whether the dispute is ultimately resolved in your favor (in which case Sable will credit back to you any amounts actually recovered, less any non-refundable Dispute Fees, as described in section 6); and
  • (d) whether your Connected Account remains active.

Your reimbursement obligation arises automatically at the time Sable's platform balance is debited and does not require separate notice or demand, although Sable will make commercially reasonable efforts to notify you.

5. Authorization to recover funds

You expressly authorize Sable (and the Processor acting on Sable's instruction) to recover the Reimbursable Amount through any one or more of the following methods, in any order and without prior notice except as required by law:

  • (a) Transfer reversal: reversing all or part of the funds previously transferred to your Connected Account for the affected Transaction or any other Transaction;
  • (b) Balance debit: debiting the available balance of your Connected Account;
  • (c) Payout offset / set-off: withholding, deducting, or setting off the Reimbursable Amount against current or future payouts, processing volume, or any other amounts Sable or the Processor owes you;
  • (d) Reserves: applying funds held in any reserve, rolling reserve, or risk hold established under section 6;
  • (e) Bank account debit: debiting the bank account or other external financial account you have linked to your Connected Account, including to cover a negative balance; and
  • (f) Direct invoice: invoicing you for any remaining balance, payable as described in section 7.

You grant Sable and the Processor authorization to initiate the debits and reversals described above, and you agree to maintain valid, current bank account information on file for this purpose.

6. Negative balances, reserves, and recovery on successful disputes

  • (a) Negative balances. If recovery under section 5 causes your Connected Account balance to become negative, that negative balance is immediately due and owing. Sable may recover it from your future processing volume, from your linked bank account, or by direct payment under section 7.
  • (b) Reserves. To manage risk, Sable may, at its discretion, establish and adjust a reserve, hold a percentage of your processing volume, delay payouts, or impose other risk controls, including in response to elevated dispute activity, refund anomalies, chargeback rates, or changes in your processing patterns. Sable will release reserve funds in accordance with the applicable reserve terms once the associated risk has passed.
  • (c) Recovery on successful disputes. If a Dispute for which you have reimbursed Sable (or for which Sable has recovered funds from you) is later resolved in your favor and the funds are returned to Sable's platform balance, Sable will credit the recovered amount back to your Connected Account, less any Dispute Fees and other costs that are non-refundable or not recovered.
  • (d) Platform fees are non-refundable. Sable's platform fee on a Transaction is earned when the Transaction is processed and is not returned to you when that Transaction is later refunded, charged back, or disputed, regardless of outcome. A Refund or lost Dispute therefore costs you the full Transaction amount and the Sable platform fee on it.

7. Insufficient funds and direct payment

If the methods in section 5 do not fully satisfy the Reimbursable Amount, you agree to pay the outstanding balance to Sable within 15 days of Sable's invoice or notice. Past-due amounts may accrue interest at the lesser of 1.5% per month (18% per year) or the maximum rate permitted by law. You are responsible for Sable's reasonable costs of collection, including reasonable attorneys' fees. Sable's pursuit of any one remedy does not waive any other remedy.

8. Dispute cooperation

You agree to:

  • (a) maintain accurate records for each Transaction (including service or product descriptions, appointment confirmations, cancellation and no-show policies, receipts, and client communications) and provide them to Sable promptly on request;
  • (b) cooperate with Sable and the Processor in investigating and responding to any Dispute, including by supplying compelling evidence within the timeframes the card networks require; and
  • (c) acknowledge that Sable may, but is not obligated to, submit a response to a Dispute on your behalf, and that the card networks, not Sable or the Processor, decide the outcome of a Dispute.

9. Excessive disputes

Maintaining a low dispute rate is part of accepting card payments. If your Chargeback or Dispute rate exceeds 1.0% of your Transactions, or otherwise reaches a level that the card networks' monitoring programs consider excessive, Sable may, in addition to its reimbursement rights, take any action it deems reasonably necessary to limit its exposure, including establishing or increasing reserves, delaying or pausing payouts, pausing payment acceptance, or suspending or terminating your access to payment processing or to Sable.

10. Survival and relationship to other terms

  • (a) Survival. Your obligations under these Payment Terms survive the suspension, termination, or closure of your Connected Account or of your Sable account, and continue until all Reimbursable Amounts have been paid in full.
  • (b) Stripe terms. Your use of payment processing is also governed by the Processor's Stripe Connected Account Agreement and Stripe Services Agreement. These Payment Terms supplement, and do not replace, those agreements. To the extent they grant Sable rights in addition to the Processor's terms, those additional rights apply as between you and Sable.
  • (c) No waiver. Sable's failure to enforce any part of these Payment Terms is not a waiver of its right to do so later.

11. Governing law and venue

Except as otherwise provided in the Terms of Service, these Payment Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. The exclusive venue for any dispute arising out of or relating to these Payment Terms is the state and federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of those courts.

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