> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fynn.eu/llms.txt
> Use this file to discover all available pages before exploring further.
# Manage Payment Methods
> Add, edit, and remove payment methods for your customers
## Overview
Payment methods are the foundation for automated billing. Fynn supports various payment methods:
Automatic debit via SEPA mandate. Supported by EBICS and Stripe.
Visa, Mastercard, American Express, and more. PCI-compliant via Stripe.
Popular payment method for online purchases. One PayPal account per customer.
For manual payments. No automatic debit.
***
## Add Payment Method
Navigate to **Customers** and select the customer for whom you want to add a payment method.
Switch to the **Master Data** tab.
Click **+ Add** in the **Payment Methods** section and select the desired type:
Capture a SEPA mandate directly in Fynn:
* **IBAN**: The customer's bank details
* **Account Holder**: Name of the account holder
* **Mandate Reference**: Automatically generated or manually entered
* **Signature Date**: Date of mandate signature
The SEPA mandate is stored digitally and can be viewed at any time.
Credit cards and SEPA direct debits can be added via Stripe.
The customer receives a secure link to enter their payment details.
Connect the customer's PayPal account.
Only one PayPal account can be stored per customer.
After adding, you can mark the payment method as **Default**.
The default payment method is automatically used for new subscriptions and invoices.
You can send the customer a link through which they can add a payment method themselves:
Click **Request Payment Method** in the action menu (...) of the customer details.
Choose whether the link should be sent by email to the customer, or copy the link manually.
The link is valid for **7 days**.
The customer can securely enter their payment details via the link.
Use the [Payment Method Link](/api-reference/paymentmethod/create-payment-method-link) endpoint:
```bash theme={null}
POST /payment-methods/link
```
```json theme={null}
{
"customer": "cus_abc123",
"sendEmail": true,
"allowedPaymentMethodTypes": ["card", "sepa_debit"]
}
```
***
## Remove Payment Method
Removing a payment method can affect existing subscriptions.
Fynn guides you through all necessary steps.
### Remove Default Payment Method
If you remove the current **default payment method**, you must select a new default payment method:
Choose one of the remaining payment methods as the new default payment method.
After selection, the new default payment method becomes active immediately.
All subscriptions that use the "Customer's Default Payment Method" will automatically use the new payment method.
### Payment Method with Subscriptions
If subscriptions **explicitly** use this payment method, you must decide where to migrate the subscriptions:
The subscriptions will be switched to the **customer's default payment method**.
This is the recommended option, as future changes to the default payment method will be automatically adopted.
The subscriptions will be switched to a **specific other payment method**.
This remains permanently assigned until manually changed.
***
## Change Default Payment Method
Navigate to **Customers** -> Select customer -> **Master Data** tab.
Click on the radio button icon next to the desired payment method to mark it as default.
Use the [Set Default Payment Method](/api-reference/paymentmethod/set-default-payment-method) endpoint:
```bash theme={null}
PUT /customers/{customerId}/payment-method
```
```json theme={null}
{
"paymentMethodId": "pm_abc123"
}
```
***
## SEPA Mandates
### View Mandate
For SEPA payment methods, you can view the stored mandate at any time:
Click on the **SEPA Mandate** badge for the corresponding payment method.
A popover shows all relevant information:
* Mandate reference
* Creditor ID
* IBAN (masked)
* Account holder
* Signature date
* Mandate type (One-time/Recurring)
### SEPA Errors
For failed SEPA direct debits, the payment method is handled according to the error type:
| Error Type | Action |
| -------------------------------------- | ----------------------------- |
| **Mandate Problem** (MD01, MD02, etc.) | Payment method is deactivated |
| **Account Problem** (AC01, AC04, etc.) | Payment method is deactivated |
| **Temporary** (AM04, AM05, etc.) | Automatic retry is scheduled |
| **Regulatory** (AG01, RR01, etc.) | Manual review required |
For deactivated payment methods, the customer automatically receives a notification with a link to add a new payment method.
***
## Frequently Asked Questions
No, removed payment methods are deactivated and cannot be restored.
The customer must add a new payment method.
When removing, you will be prompted to migrate the subscriptions to another payment method or to the default payment method.
There is no interruption to billing.
Links for adding a payment method are valid for **7 days**.
After that, a new link must be created.
Yes, a customer can have any number of payment methods.
**Exception:** Only one PayPal account is possible per customer.