You choose which payment methods buyers see at checkout, such as cards, Apple Pay, Google Pay and SEPA Direct Debit, in your Stripe account. Heartbeat's checkout has its own payment method settings there, separate from your own, and only changes made in Heartbeat's settings reach your buyers.
How to change your payment methods
- Go to Settings > Revenue > Settings.
- Under Payment Settings, click Manage next to Accepted payment methods. This opens the payment methods page in your Stripe account.
- Use the dropdown at the top of that page to choose Heartbeat's Default configuration. Changes made in your own Default configuration don't reach Heartbeat's checkout.
- Switch on the payment methods you want to offer, switch off the ones you don't, and save your changes.
SEPA Direct Debit
A bank takes several days to confirm a SEPA payment, and that changes when buyers get access:
- Memberships start as soon as the buyer submits the payment, so they get access straight away. Installment plans work the same way.
- One-time purchases wait until Stripe confirms the payment. Until then, the buyer isn't added to the Offer and you don't get a new sale notification. Both happen automatically once the payment clears. Pending SEPA payments show in your Stripe dashboard under Payments, with the buyer's email.
To let a one-time SEPA buyer in before the payment clears, add them to the Offer with Add Members. They get access straight away as exempt members. When the payment clears, the purchase is recorded on the Offer and their access stays the same.
A member you add this way keeps their access even if their SEPA payment later fails, until you remove them from the Offer.
To give SEPA buyers instant access without adding them yourself, either add an installment plan next to the one-time price, which starts like a membership, or switch SEPA Direct Debit off in Heartbeat's Default configuration. Cards, Apple Pay and Google Pay confirm instantly. On an installment plan, a promo code that discounts the first payment takes money off the first installment and not the rest.
Frequently Asked Questions
Why doesn't a payment method I switched on show at checkout? Most often it was switched on in your own Default configuration instead of Heartbeat's. Stripe also only shows a method when it works for that purchase, its currency and the buyer's country, so not every method appears every time.
Can I offer different payment methods on different Offers? No. Payment methods are set for your whole community, not per Offer.
Can buyers pay with PayPal? Not yet. PayPal can appear in your Stripe settings, including Heartbeat's, but Heartbeat's checkout doesn't support it, so leave it switched off. You can vote for PayPal on our feature board.