Set Up a Payment Processor

To make money using Simplero, you will need to set up a Payment Processor.  Simplero never handles your money - your payment processor does.

At the end of this guide

You'll have a payment processor connected to your Simplero account so customers can pay you. You'll also understand how your money moves from your customer to your bank account.

Before you start

• Sign up for an account with your chosen payment processor before connecting it to Simplero. Each processor has its own approval process.

In this guide

1. Payment processors available in Simplero
2. Add a payment processor
3. Add a manual payment method
4. How money flows to your account
5. Strong Customer Authentication (SCA)

Payment processors available in Simplero

Simplero never handles your money. Your payment processor does. You can add as many processors as you need—customers see all active ones at checkout.

Payment Processors

• EasyPayDirect — Best for coaches, consultants, and service businesses based in the US. Only allows one refund per transaction, whether it is a partial or full refund
• Stripe — Accepts credit cards, debit cards, Apple Pay, Google Pay, Link, and Buy Now Pay Later options including Affirm, Klarna, and Afterpay. See the payment methods supported by Stripe guide for details.
• PayPal — Easy to get started with, but restricts the types of subscriptions and prices you can create. See Connect PayPal as a payment processor for setup instructions and limitations.
• QuickPay — Handles Dankort and MobilePay. Instructions available in Danish.
• Affirm — Offers customers flexible payment plans. Available for US and Canadian customers only. Not available with installments, subscriptions, authorize prices, or upsells. See the How to Set Up Affirm guide for details
• MobilePay — Users in Denmark, Finland, and Norway can purchase using only a phone number. You can set it up through Quickpay or directly in Simplero. You can check How to Set Up MobilePay for details. 
• NMI — A payment gateway that works with many payment processors and merchant account providers.
• Commas — Supports credit cards, Apple Pay, Google Pay, Cash App Pay, and Buy Now Pay Later through a hosted checkout.
• Manual — For wire transfers, cash, money orders, Venmo, and other offline payments. Simplero cannot track these automatically. Check this guide to understand how this works

Add a payment processor

1. Go to Settings → Payment Processors.
2. Click +Add a payment processor in the upper right.
3. Select the processor you want and click the Add button next to it.
4. Follow the setup prompts. Each processor asks for different credentials.

Stripe note: If you have active subscriptions and change your Stripe API keys, you must migrate your existing subscriptions to the new keys. See Switching Payment Processors for the full process.

Add a manual payment method

Use a manual payment method when you accept money outside Simplero—wire transfers, cash, checks, or Venmo—and want to track the payments in your account.

1. Go to Settings → Payment Processors.
2. Click +Add a payment processor.
3. Select the Manual option.
4. When a customer pays you outside Simplero, open the purchase record and mark it as paid.

How money flows to your account

Your money stays with you. Simplero never touches it.

• PayPal — Money goes directly into your PayPal account. From there, you transfer it to your bank account. Transfers take a few days to process.
• All other processors — Money is deposited directly into your bank account, either immediately or after a delay of 1–40 days, depending on your agreement with the processor.

Many payment processors charge a transaction fee. That fee goes to the processor and the card issuer (Visa, Mastercard, etc.), not to Simplero. On the purchase page, you'll see an estimated fee based on the processor's published rates. The actual fee on your processor's dashboard may differ slightly.

Strong Customer Authentication (SCA)

SCA is a European regulation that adds an extra security layer for online payments. It requires customers to verify their identity through at least two independent factors during checkout. Simplero is fully SCA compliant.

Troubleshooting

• Why can't I see the processor I just added? — Refresh the Payment Processors page. If it still doesn't appear, the setup may be incomplete. Open the processor from the list and check that all required fields are filled in.
• Why did a customer's payment fail? — Check the Simplero transaction or your payment processor's dashboard for the exact error. Common causes include expired cards, insufficient funds, or authentication failures.
• Can I use more than one payment processor at the same time? — Yes. You can add as many as you want. Customers choose which one to use at checkout.

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