Find answers to common questions about offering SEPA as a payment method to your clients
Can I receive payments through SEPA with YOGO?
Yes. Your customers can pay for recurring memberships (subscriptions) through SEPA direct debits by entering their payment information once when purchasing the membership.
Additionally, customers can pay for all other prices and products via SEPA one-time payments.
Is SEPA payment automatically set up?
If you use Stripe as your payment provider, follow these steps:
- Go to "Settings" in the YOGO Admin and then to "Payment."
- There, open your Stripe dashboard.
- In Stripe, go to "Payments" and then "Payment Methods."
- Find and activate SEPA.
- Follow the prompts for verification (usually uploading your ID or similar).
It can take one to two days to be verified for SEPA. You can check your status in Stripe at any time. If you use Billwerk as your payment provider, please contact us.
Why hasn't my money arrived yet?
SEPA is a payment method with comparatively long processing times. It can take up to 10 days for the payment to be processed and transferred to your account. Typically, the processing time is 5 to 7 days.
What does "pending" mean?
This means your payment is being processed. In your YOGO Admin dashboard, you can see all SEPA payments that are in progress. Once the payment is successfully processed, it will disappear from the overview.
If a SEPA payment fails, you will see it directly in YOGO Admin. This rarely happens, but can have various reasons, the most common being that the account of the individual doesn’t have sufficient funds or there was an error when entering their information. Note: Failed payments do not disappear from your Stripe or Billwerk account. This is because your payment history must be documented comprehensively.
What should I do if a SEPA payment fails?
It’s very rare for a SEPA payment to fail. In most cases, your customer's account doesn’t have sufficient funds, or they made a mistake while entering their account/card details.
YOGO does not attempt to process the payment again. Instead, please ask your customer to transfer the money manually. Please also ask them to check if they made a mistake, and to ensure they have sufficient funds in their account.
Important: YOGO will still treat the payment as "successful" and issue a paid invoice as well as the purchased product. You don’t need to do anything else, aside from requesting the manual transfer of the funds.
If you’re comfortable navigating online systems, you can also look up the failed payment in your payment service provider account. There, you can find information on what went wrong.
I have blocked or failed payments in my overview. Why?
Failed payments are shown so you can act on it if necessary (see "What should I do if a SEPA payment fails?"). The log of a failed payment does not disappear from your Stripe or Billwerk account. This is to ensure your payment history is fully documented. If you are concerned about whether a customer has actually paid for a product after an initial payment failure, you can find the blocked payment in your Stripe or Billwerk account, click on the customer's name or email, and see in their profile history if a subsequent payment for the same amount was successful.
SEPA is not appearing as a payment option for my customers. Why?
Either you haven’t completed the verification process yet (see above, "Is SEPA payment automatically set up?"), or the SEPA logo is simply missing. To fix this, go to "Settings" -> "Payment" in your YOGO Admin and make sure you have checked the box for "Show SEPA logo."
How much do SEPA payments cost me as a studio?
You can find the transaction fees from our payment service providers transparently in our pricing section here. We do not add fees on top of those from our partners. That's how we are able to offer some of the lowest transaction fees on the market.