Configure payment methods

Before you can collect membership fees, you need to enable and configure at least one payment method. Omoplata supports SEPA direct debit (manual and Stripe-managed), bank transfer, cash, PIX, and card payments through Stripe. This guide covers the setup for each option.

Step 1: Enable payment types

Start by choosing which payment methods your club will accept.

1. Go to Settings > Billing from the sidebar.
2. Review the available payment providers.
3. Enable each payment method your club will use by toggling it on.
4. Save the settings.

The payment types you enable determine what options appear when setting up a member's payment method. If you only use SEPA direct debit, for example, that will be the only option shown during member registration.

Step 2: Configure payment schedule settings

Set the allowed billing days for your memberships.

1. In Settings > Billing, find the payment schedule section.
2. Configure the monthly payment day options -- the days of the month on which memberships can be billed (for example, the 1st and 15th).
3. Configure the weekly payment day options -- the days of the week for weekly billing (for example, Monday and Friday).
4. Set the invoice grace period -- the number of days after the charge date that members have to settle an invoice. The due date on each invoice is calculated as the charge date plus this grace period. If the result would be less than one day in the future, it is automatically set to tomorrow.
5. Save your settings.

Step 3: Set up SEPA direct debit (manual)

Manual SEPA is the most common payment method for European clubs. You generate XML files containing all pending debits and upload them to your bank.

Configure your club's SEPA details

1. Go to Settings > Billing and find the SEPA section.
2. Enter your club's creditor identifier (Glaubiger-Identifikationsnummer). This is issued by your national central bank and is required for all SEPA direct debit collections.
3. Enter your club's IBAN and BIC.
4. Enter your club's name as it should appear as the creditor on bank statements.
5. Save the settings.

Configure automatic processing

1. Set the mark invoice paid after days setting. This controls how many days after the SEPA due date the system automatically assumes payment was successful (default: 5 days). This fallback is for banks that do not send explicit confirmation.
2. Set the failed transaction fee -- the amount charged to a member when a SEPA debit is returned unpaid (for example, to cover bank fees).
3. Save the settings.

For a complete walkthrough of the SEPA collection process, see Process SEPA direct debits and SEPA direct debit.

Step 4: Connect your bank via FinTS (optional)

FinTS integration lets you import bank transactions directly into Omoplata and automatically match incoming payments to open invoices. This is supported by most German banks.

Enter bank credentials

1. Go to Settings > FinTS (or Finance > Bank integration).
2. Fill in the following fields:
   • Bank URL -- the FinTS endpoint URL for your bank (provided by your bank).
   • Bank code -- your bank's routing number (Bankleitzahl).
   • Username -- your online banking username.
   • Password -- your online banking password.
3. Click Save. A modal will prompt you to create a PIN. This PIN encrypts your credentials and will be required every time you perform a bank operation.
4. After saving, Omoplata connects to your bank and fetches available TAN modes and bank accounts. If the connection fails, no data is stored and an error is shown.

Select TAN mode and account

Once the connection is established:

1. Select your TAN mode (for example, pushTAN, chipTAN, or SMS-TAN).
2. Select your TAN medium (the specific device or phone number used for TAN delivery).
3. Select the default account to use for transactions.
4. Save these settings. They can be changed independently of the credentials at any time.

For more on how bank transaction matching works, see Bank integration.

Step 5: Set up Stripe (optional)

Stripe enables card payments and Stripe-managed SEPA direct debit.

1. Go to Settings > Stripe.
2. Follow the Stripe onboarding flow to connect your Stripe account to Omoplata.
3. Once connected, enable the Stripe payment methods you want to offer:
   • Stripe SEPA -- SEPA mandates are managed through Stripe's infrastructure. The member authorizes the mandate through Stripe's secure flow.
   • Card payments -- Members add their credit or debit card through Stripe's secure payment form.
4. Save your settings.

With Stripe SEPA, you do not need to generate XML files or upload them to your bank. Stripe handles the debit collection end-to-end. The trade-off is that Stripe charges processing fees, while manual SEPA has no per-transaction cost from Omoplata.

Step 6: Configure additional payment methods (optional)

Depending on your club's needs, you may also want to enable:

Bank transfer

Members pay by transferring funds to your club's bank account manually. Invoices are generated with your banking details. Payment reconciliation can be handled manually or automatically through the FinTS bank integration.

1. Enable the Bank Transfer payment method in your billing settings.
2. Ensure your club's bank details (IBAN, BIC, account holder) are configured so they appear on invoices.

Cash

For members who pay in person.

1. Enable the Cash payment method in your billing settings.
2. When a member pays in cash, staff manually marks the invoice as paid in Omoplata.

PIX

A real-time payment method for clubs in Brazil.

1. Enable the PIX payment method in your billing settings.
2. Configure your PIX key so members can pay via QR code or payment link.

Step 7: Verify your setup

Before registering members, confirm that everything is in order:

1. Go to Settings > Billing and review all enabled payment methods.
2. Verify your SEPA creditor details are correct (if using manual SEPA).
3. If you connected FinTS, test a bank statement fetch to confirm the connection works.
4. If you connected Stripe, verify the connection status shows as active.
5. Start the member creation wizard and confirm that the payment method options match what you enabled.

What to do next

With payments configured, you can start registering members and collecting fees:

• Register a new member -- add your first member with a payment method.
• Process SEPA direct debits -- learn the end-to-end SEPA collection workflow.
• Generate invoices -- understand how invoices are created and managed.

For reference on how payment methods work on a member's profile, see Payment methods.