Plans & billing
Billing settings
Billing settings control how your club handles payments, invoicing, and direct debit collections. This is where you set up your payment schedule, configure SEPA credentials, and connect to your bank for automated transaction reconciliation.
Navigate to Settings > Billing to access these options. The page is divided into three sections: general billing, SEPA settings, and FinTS bank connection.
General billing settings
Default VAT rate
The rate that comes pre-selected when you create a new plan price, fee, product, or manual transaction. You pick it from a list -- there is nothing to type.
Which rates you can pick from depends on your club's country. The list is fixed and cannot be edited: Germany 0%, 7% and 19%; Austria 0%, 10%, 13% and 20%; the United Kingdom 0%, 5% and 20%. In every other country, 0% is the only option.
Prices in Omoplata are always gross -- the system derives the net amount and the tax from them and shows both on the invoice.
A pre-selection only
Changing the default does nothing to existing prices. It applies only to what you create from then on. To change the rate on a single price, change it where that price is defined.
Where else the VAT rate appears
The rate belongs to whatever is being sold -- not to the transaction category, and not to the member. So you pick it separately in each of these places, always from the same country list:
| Place | What the rate covers |
|---|---|
| Plan prices | A separate rate per price. |
| Fees | One rate per fee, covering every demographic price on that fee. |
| Products | One rate per product; sizes and variants inherit it. |
| Recurring expenses | One rate per expense. This is the only picker that also offers No VAT. |
| Manual transactions | One rate per transaction, set on the member profile. |
What changing a rate does
When you change the rate on a plan price or a fee, the new rate applies from the next charge -- including for existing memberships and for members who already have that fee. Invoices already issued and transactions already created keep the rate they were created with. Nothing is adjusted retroactively.
Payment day options
You can control which days of the week or month are available for billing:
| Option | Description |
|---|---|
| Weekly payment options | The weekdays (Monday through Sunday) when weekly membership charges can be scheduled. Enter the ISO-8601 day numbers separated by commas (1 = Monday, 7 = Sunday). |
| Monthly payment options | The days of the month when monthly charges can be scheduled. Enter the day numbers separated by commas (e.g., "1, 15" to allow billing on the 1st and 15th). |
Transaction timing
| Option | Description |
|---|---|
| Days before due date | How many days before the payment due date the system should create the transaction. For example, setting this to 5 means transactions are generated 5 days ahead of the due date, giving you time to prepare SEPA files. |
| Invoice grace period | Additional days added to the charge date to calculate the invoice due date. This gives members extra time to ensure funds are available. For example, a grace period of 3 days means a charge created on the 1st would have a due date of the 4th. |
Failed transaction fee
The fee charged to a member when a SEPA direct debit is returned unpaid. This covers the bank return charges your club incurs. Set to 0 if you do not want to pass this cost to members.
Cancellation notice period
The number of days before a membership period ends by which a member must cancel to prevent automatic renewal. For example, a 30-day notice period means members must cancel at least 30 days before their next billing cycle starts.
Payment failed notification
Toggle whether members automatically receive an email notification when their payment fails. When enabled, the system sends a notification prompting the member to update their payment method.
SEPA direct debit settings
SEPA (Single Euro Payments Area) is the standard payment method for collecting membership fees across European clubs. These settings configure your club's SEPA credentials for generating direct debit files.
Permission required
SEPA settings are only visible to users with the "manage settings sepa" permission.
Creditor information
| Field | Description |
|---|---|
| Creditor name | Your club's legal name as it should appear on bank statements. |
| Creditor IBAN | The bank account number where collected funds are deposited. |
| Creditor BIC | Your bank's identification code. |
| Creditor ID | Your SEPA creditor identifier, assigned by your national bank authority. This is required for processing direct debits. |
SEPA options
| Option | Description |
|---|---|
| Send FRST (First) mandate | When enabled, the first direct debit for a new mandate is marked as "FRST" (first). Some banks require this distinction between first-time and recurring collections. |
| Mark invoice paid after days | The number of days after a SEPA file is sent before invoices are automatically marked as paid. This accounts for the bank processing time. |
| Show upload return | When enabled, the interface shows an option to upload bank return files for processing failed direct debits. |
FinTS bank connection
FinTS (Financial Transaction Services) allows Omoplata to connect directly to your bank to fetch transaction data. This enables automatic reconciliation -- matching incoming bank transactions against outstanding invoices.
Permission required
FinTS settings are only visible to users with the "manage settings fints" permission.
The FinTS connection requires your bank's FinTS endpoint URL and your online banking credentials. Once configured, Omoplata can periodically fetch your bank statements and match transactions against SEPA files that were sent, automatically updating invoice payment statuses.
Saving changes
Each section (General, SEPA, FinTS) has its own Save button. Make sure to save each section individually after making changes.