> ## Documentation Index
> Fetch the complete documentation index at: https://learn.nexudus.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Methods

> The payment methods available to customers during checkout, and when each one is offered.

During checkout, customers are presented with one or more payment methods depending on your location's configuration and the specifics of the transaction. Payment methods appear in both the **plan signup checkout** (when purchasing a membership plan) and the **booking/product/event checkout** (when making a booking, buying a product, or registering for an event).

## How payment methods are determined

The portal evaluates several factors to decide which payment options to show:

1. **Billing availability** — whether your Nexudus plan includes billing features (not available on the "Workplaces" product version)
2. **Location payment settings** — which gateways you have enabled in the Nexudus dashboard
3. **Customer type** — whether the customer is a member (active contract) or a contact, and whether GoCardless payments are enabled for their account specifically
4. **Transaction amount** — whether there is anything to pay
5. **Invoice state** — whether an invoice has been issued or the transaction is still at the preview/proposal stage
6. **Team billing** — whether the charges are billed to a team instead of the individual
7. **Checkout type** — some payment methods are only available for specific checkout types (e.g. bookings)

<Note>When billing is not available (Workplaces product version), only a "Confirm your subscription" option is shown. The location will contact the customer with instructions to complete payment externally.</Note>

***

## Available payment methods

### Spreedly (card payments)

Spreedly allows customers to pay by credit or debit card. It supports multiple payment gateways under the hood and provides a card entry form directly within the checkout page.

<AccordionGroup>
  <Accordion title="When is Spreedly available?">
    **In plan signup checkout**, Spreedly is offered when **all** of the following are true:

    * Billing is available for the location
    * Spreedly is enabled in your location settings
    * The customer type matches your configuration (enabled for members, enabled for contacts, or both)
    * There is an amount due (the total is greater than zero)
    * An invoice has been generated for the transaction (not just a preview)
    * The customer is paying for themselves (not via a team)

    **In booking/product/event checkout**, Spreedly is offered when **all** of the following are true:

    * Spreedly is enabled and the customer type matches your configuration
    * The order total is greater than zero
    * The customer is not paying via a team
    * At least one payment gateway is configured
  </Accordion>
</AccordionGroup>

***

### Stripe Checkout

Stripe Checkout redirects customers to a Stripe-hosted payment page to complete their card payment securely, then returns them to the portal once done.

<AccordionGroup>
  <Accordion title="When is Stripe Checkout available?">
    **In plan signup checkout**, Stripe Checkout is offered when **all** of the following are true:

    * Billing is available for the location
    * Stripe Checkout is enabled in your location settings
    * A valid Stripe public key is configured
    * There is an amount due (the total is greater than zero)
    * An invoice has been generated for the transaction (not just a preview)
    * The customer is paying for themselves (not via a team)

    **In booking/product/event checkout**, Stripe Checkout is offered when **all** of the following are true:

    * Stripe Checkout is enabled and a valid Stripe public key is configured
    * The order total is greater than zero
    * The customer is not paying via a team
    * At least one payment gateway is configured
  </Accordion>
</AccordionGroup>

***

### PayPal

PayPal allows customers to pay using their PayPal account or a card via the PayPal payment flow. Customers are redirected to PayPal to authorise the payment.

<AccordionGroup>
  <Accordion title="When is PayPal available?">
    **In plan signup checkout**, PayPal is offered when **all** of the following are true:

    * Billing is available for the location
    * PayPal Standard REST is enabled in your location settings
    * There is an amount due (the total is greater than zero)
    * An invoice has been generated for the transaction (not just a preview)
    * The customer is paying for themselves (not via a team)

    **In booking/product/event checkout**, PayPal is offered when **all** of the following are true:

    * PayPal is enabled in your location settings
    * The order total is greater than zero
    * The customer is not paying via a team
    * At least one payment gateway is configured
  </Accordion>
</AccordionGroup>

***

### GoCardless (direct debit)

GoCardless lets customers pay via direct debit from their bank account. Customers may need to link their bank account the first time they use this method. Payments are processed securely through GoCardless and can take several days to clear depending on the customer's bank.

<AccordionGroup>
  <Accordion title="When is GoCardless available?">
    GoCardless is only available in the **plan signup checkout** and is offered when **all** of the following are true:

    * Billing is available for the location
    * GoCardless is enabled in your location settings
    * The customer has GoCardless payments enabled on their account, **or** the relevant customer-type setting is turned on:
      * If the customer is a member: "Enabled for members" must be on
      * If the customer is a contact (or does not yet have a profile): "Enabled for contacts" must be on
    * The customer is paying for themselves (not via a team)
    * The proposal has not already been paid
  </Accordion>
</AccordionGroup>

<Note>If the customer has not yet linked their bank account, they will be prompted to do so through a secure GoCardless popup before they can complete payment.</Note>

***

### Forte (ACH / eCheck payments)

Forte allows customers to pay via ACH bank transfer (eCheck) directly from their bank account. Payments are processed securely through Forte's payment platform.

<AccordionGroup>
  <Accordion title="When is Forte available?">
    **In plan signup checkout**, Forte is offered when **all** of the following are true:

    * Billing is available for the location
    * Forte ACH payments (`Forte.eCheckPayments`) or Forte credit card payments (`Forte.CreditCardPayments`) are enabled in your location settings
    * There is an amount due (the total is greater than zero)
    * An invoice has been generated for the transaction (not just a preview)
    * The customer is paying for themselves (not via a team)

    **In booking/product/event checkout**, Forte is offered when **all** of the following are true:

    * Forte is enabled in your location settings
    * The order total is greater than zero
    * The customer is not paying via a team
    * At least one payment gateway is configured
  </Accordion>
</AccordionGroup>

<Note>You can configure Forte to use sandbox servers for testing via the `Forte.UseSandBoxServers` setting before going live.</Note>

***

### Pay via invoice (pay later)

This option allows customers to complete checkout without paying immediately. An invoice is generated and the location contacts them with instructions to settle payment.

<AccordionGroup>
  <Accordion title="When is pay via invoice available?">
    **In plan signup checkout**, pay via invoice is offered when **all** of the following are true:

    * Billing is available for the location
    * There is an amount due (the total is greater than zero)
    * The transaction is still at the preview stage (an invoice has **not** yet been issued)
    * The customer is paying for themselves (not via a team)
    * The proposal has not already been paid

    **In booking/event checkout**, pay via invoice is offered when **all** of the following are true:

    * The customer is logged in
    * The order total is greater than zero
    * The customer is not paying via a team
    * At least one payment gateway is configured

    **And** at least one of the following conditions is met:

    * GoCardless is enabled for the customer
    * The checkout is for a **booking** and the "Cancel unpaid bookings after" setting is configured to at least 60 minutes
    * The checkout is for an **event** and the "Cancel unpaid tickets" setting is enabled
  </Accordion>
</AccordionGroup>

<Warning>When paying via invoice for a booking, the booking will be automatically cancelled if payment is not received within the configured time window. For events, unpaid tickets are cancelled after 15 minutes. Customers are shown this deadline before confirming.</Warning>

<Note>When a customer selects this option during plan signup, their account may not be activated until payment is completed offline.</Note>

***

### Nothing to pay

When the transaction total is zero — for example, if a discount, credit, or promotion covers the full amount — customers see a confirmation step with no payment form.

<AccordionGroup>
  <Accordion title="When is nothing to pay shown?">
    **In plan signup checkout**, this option appears when **either** of the following is true:

    * The due amount on the invoice is zero or negative (fully covered by credits or discounts)
    * The proposal has already been paid previously

    **In booking/product/event checkout**, a simple "Complete order" or "Place booking" button is shown (without any payment gateway) when:

    * The order total is zero
    * The customer is logged in
  </Accordion>
</AccordionGroup>

***

### Pay via team

When a customer belongs to a team and their charges are billed to a paying team member, they see this option instead of the standard payment gateways. No payment is collected from the individual — the charges go to their team's account.

<AccordionGroup>
  <Accordion title="When is pay via team shown?">
    **In plan signup checkout**, pay via team appears when:

    * Billing is available for the location
    * The generated invoice is assigned to a different customer (the team's paying member) rather than to the individual checking out

    **In booking/product/event checkout**, when the invoice is assigned to a team's paying member:

    * All payment gateways are hidden
    * A simple "Complete order" or "Place booking" button is shown instead
    * The customer sees a message explaining that their team will pay for the order
  </Accordion>
</AccordionGroup>

***

## Hosted payment providers

In addition to the built-in gateways above, you can configure up to three custom hosted payment providers. These redirect customers to an external payment page and are displayed by their configured name.

<AccordionGroup>
  <Accordion title="When are hosted providers available?">
    **In plan signup checkout**, each hosted provider appears when:

    * Billing is available for the location
    * The provider is enabled in your location settings
    * There is an amount due (the total is greater than zero)
    * An invoice has been generated for the transaction (not just a preview)
    * The customer is paying for themselves (not via a team)

    **In booking/product/event checkout**, each hosted provider appears when:

    * The provider is enabled in your location settings
    * The order total is greater than zero
    * The customer is not paying via a team
  </Accordion>
</AccordionGroup>

***

## No payment methods available

If no payment gateways are configured and the transaction requires payment, customers see a warning message with options to contact the location or open a support ticket.

<Tip>Make sure at least one payment gateway is enabled in your Nexudus dashboard to allow customers to complete purchases online.</Tip>

## Summary

| Payment method         | Requires gateway config | Requires amount due | Requires issued invoice | Restricted by customer type | Available in signup | Available in booking/product/event |
| ---------------------- | ----------------------- | ------------------- | ----------------------- | --------------------------- | ------------------- | ---------------------------------- |
| Spreedly               | Yes                     | Yes                 | No                      | Yes (members/contacts)      | Yes                 | Yes                                |
| Stripe Checkout        | Yes                     | Yes                 | No                      | No                          | Yes                 | Yes                                |
| PayPal                 | Yes                     | Yes                 | No                      | No                          | Yes                 | Yes                                |
| GoCardless             | Yes                     | Yes                 | Yes                     | Yes (members/contacts)      | Yes                 | Yes (via invoice)                  |
| Forte                  | Yes                     | Yes                 | Yes (signup only)       | No                          | Yes (via invoice)   | Yes (via invoice)                  |
| Pay via invoice        | No                      | Yes                 | No (preview only)       | No                          | Yes                 | Yes                                |
| Nothing to pay         | No                      | No (zero amount)    | No                      | No                          | Yes                 | Yes                                |
| Pay via team           | No                      | N/A                 | No                      | No                          | Yes                 | Yes                                |
| Hosted providers (1–3) | Yes                     | Yes                 | Yes (signup only)       | No                          | Yes                 | Yes                                |