# Payment Methods & Payouts

Enable payment capabilities like SEPA and ACH, and understand how payouts work

Canonical URL: https://www.naayya.com/help-center/payment-methods
Category: payments
Last updated: 2026-08-27T00:00:00Z

# Payment Methods & Payouts

Once Get Paid is set up you can accept payments and send payouts directly from Naayya. This guide explains where to manage capabilities such as SEPA Direct Debit and how to review payout timing.

## Manage payment capabilities in Naayya

1. Open **Admin → Settings → Get Paid**.
2. Scroll to **Payment Capabilities**.
3. Each capability shows its status (`Active`, `Pending`, or a button to enable it).
4. Press **Sync Now** whenever you change settings in Stripe Dashboard.

You must be a studio owner to request new capabilities.

## Enable SEPA Direct Debit (EU studios)

SEPA Direct Debit lets customers in the Single Euro Payments Area pay from their bank account.

1. Confirm the Stripe account country is in the European Economic Area on the **Account Location** card.
2. In the **SEPA Direct Debit** card, click **Enable SEPA**.
3. Naayya submits the request to Stripe. While under review the badge shows **Pending**.
4. Watch for alerts in **Outstanding Requirements** or emails from Stripe asking for documents.
5. Once Stripe approves the request the badge changes to **Active** and SEPA becomes available during checkout.

If a banner says **SEPA Not Available**, the account is registered outside the EEA. You'll need an EU Stripe account to use SEPA.

**How customers buy with SEPA:**

Once enabled, customers can use SEPA Direct Debit when purchasing bundles or memberships through your product storefront pages. Share your product links from Admin → Products or send customers to your `/bundles` or `/memberships` pages. Bank transfers take 2–14 days to settle, so the product activates after Stripe confirms payment. Learn more in [Share Your Products Online](/help-center/public-product-storefront).

## Enable ACH Direct Debit (US studios)

1. Ensure the Stripe account country is the United States.
2. Click **Enable ACH** in the ACH card.
3. Provide any additional data Stripe requests (EIN, SSN, etc.).
4. Wait for Stripe to finish reviewing the request. The status updates to **Active** when approved.

**How customers buy with ACH:**

Once enabled, customers can use ACH Direct Debit when purchasing bundles or memberships through your product storefront pages. Share your product links from Admin → Products or send customers to your `/bundles` or `/memberships` pages. Bank transfers take 3–5 business days to settle, so the product activates after Stripe confirms payment. Learn more in [Share Your Products Online](/help-center/public-product-storefront).

## Card payments and transfers

- **Card Payments** activate automatically once charges are approved. If it stays pending, clear the items in **Outstanding Requirements**.
- **Transfers** power payouts and are enabled after your bank account is verified.
- Add new capabilities in Stripe Dashboard first if they are not listed, then press **Sync Now** in Naayya.

## Review payout schedules and bank accounts

1. In **Get Paid** settings, find the **Payout Schedule** card.
2. Check the frequency (daily, weekly, monthly), anchor day, and delay days.
3. Click **Manage in Stripe Dashboard** under **Manage Bank Accounts** to update payout settings or add a bank account.
4. After making changes in Stripe Dashboard, return to Naayya and press **Sync Now**.

### Reconciling payouts

- Open **Admin → Settings → Reports** to match Stripe payouts with bookings and review your annual summary.
- Compare the payout amount in Stripe Dashboard with the Naayya report.
- Account for pending payouts, refunds, disputes, and currency conversions.

For year-end reporting, use [Annual summary](/help-center/annual-summary).

## Keep data in sync

- The **Account Location & Sync Status** card shows when Naayya last pulled data from Stripe.
- If the account drifts out of sync, click **Sync Now**. Large accounts may take up to 30 seconds to refresh.
- If sync fails, read the toast message. Stripe often needs additional information before it can update.

Need help resolving issues? Jump to [Payment Troubleshooting](/help-center/payment-troubleshooting).