Payment methods

The Payment Methods tab on a member's profile lets you manage how the member pays their membership fees. Each active payment provider in your club appears as an option that you can configure for the member.

Payment method types

Omoplata supports several payment methods, depending on which payment providers your club has activated:

SEPA Direct Debit (manual)

The most common payment method for European clubs. You enter the member's IBAN and account holder name, and Omoplata generates SEPA XML files for your bank to process the direct debits.

• IBAN -- The member's International Bank Account Number.
• Account holder -- The name on the bank account.
• BIC -- The Bank Identifier Code. This is optional because Omoplata can look it up automatically via the OpenIBAN service. If the lookup fails, the BIC is resolved asynchronously.
• Mandate date -- The date the SEPA mandate was signed. When creating or updating SEPA details, a new mandate is issued using the current date.

SEPA Direct Debit (Stripe)

For clubs using Stripe as their payment processor, SEPA mandates are managed through Stripe's infrastructure. The member authorizes the mandate through Stripe's secure flow.

Bank transfer

Members pay by transferring funds to the club's bank account. Invoices are generated with the club's banking details, and the member initiates the transfer manually. Payment reconciliation is handled by the club.

Cash

For members who prefer to pay in person. The system tracks the expected charges, and staff marks payments as received when cash is collected.

PIX

A real-time payment method popular in Brazil. Members pay via PIX using a QR code or payment link.

Stripe

Card payments processed through Stripe. Members add their credit or debit card through Stripe's secure payment form.

Adding a payment method

On the Payment Methods tab, each available payment method is listed with its provider name and description. If the member does not yet have a specific method configured, an Activate button appears. Click it to open a form where you enter the required details.

For SEPA Direct Debit, the form collects the IBAN, account holder name, and generates a mandate. For Stripe-based methods, the member is directed through Stripe's secure setup flow.

Viewing and managing payment methods

When a payment method is already configured, a Manage button replaces the Activate button. Clicking it opens a detail view showing the current payment method information, where you can update or deactivate it.

Updating SEPA details

When you update a member's IBAN or account holder name for manual SEPA:

1. A new payment method record is created with the updated details.
2. The previous payment method is marked as inactive.
3. All active memberships using the old payment method are automatically switched to the new one.
4. A new SEPA mandate is issued with the current date.

This ensures a complete audit trail of payment method changes while keeping billing uninterrupted.

SEPA mandate management

SEPA mandates are a core part of the direct debit process. Each mandate has a signature date and is tracked throughout its lifecycle.

Sequence types

When Omoplata generates a SEPA XML file, it checks whether a mandate has been used before:

• FRST (First) -- Used for the very first debit under a new mandate.
• RCUR (Recurring) -- Used for all subsequent debits under the same mandate.

This distinction is required by the SEPA specification and is handled automatically.

Mandate history

When payment details are updated, the old mandate is deactivated and a new one is created. The system maintains a history of all mandates for compliance and audit purposes.

Payment methods for minors

When a member is a minor with a linked responsible (guardian), the Payment Methods tab shows the guardian's payment methods rather than the member's own. A note at the top of the page indicates whose payment methods are being displayed.

All billing charges for a minor's membership are issued to the primary responsible. If the primary responsible changes, payment methods are automatically transferred to the new primary responsible.

Default payment method

When a member has multiple payment methods configured (for example, both SEPA and a card), the system uses the active payment method for each provider. Only payment methods that have not been deactivated are considered active.

Missing payment method warnings

If a member has an active membership but no payment method on file, a warning icon appears:

• On the members list -- A red credit card icon next to the member's name.
• On the member profile -- A banner indicating no payment method is configured.

These warnings also check the responsible's payment methods for minor members.