How do I add a card or direct debit?

Last updated: 3 November 2026 · The MargenOptimierer app is in German. Button and menu names are shown exactly as you see them, with the English meaning in brackets.

You add your payment method, a card or SEPA direct debit, under Einstellungen (settings) in the Firma & Tarif (company & plan) tab. You enter it at Stripe, MargenOptimierer's payment provider. After that you keep working without interruption when the free trial ends, and MargenOptimierer collects every invoice. The free trial is always free, but without a payment method you can't use MargenOptimierer after it ends until you add one.

How it works

Open Einstellungen and then the Firma & Tarif tab.
In the Zahlung (payment) card, click Zahlungsdaten hinterlegen (add payment details).
At Stripe, enter your card or the bank account for direct debit, plus your company name and billing address.
Finish the entry at Stripe. The Zahlung card then shows your payment method with its last digits.

Example: A card before the free trial ends

Your free trial ends on 20 November 2026. If you're the owner, a window reminds you about the payment method from 17 November 2026, 3 days before. You add your card. On 16 December 2026, MargenOptimierer collects the first invoice, for the days from 21 to 30 November 2026. If the collection fails, you can pay the invoice up to and including 23 December 2026. Otherwise your company is blocked from 24 December 2026.

If something changes with your payment

Companies in another EU country

If your company is based in the EU but not in Germany, enter your VAT ID at Stripe. Without a VAT ID you can't add a payment method.

If a payment fails

The Zahlung card then shows a notice with the Rechnung bezahlen (pay invoice) button and the last day you can pay. That's the 7th day after the failed payment. If the invoice is still unpaid after that, your company is blocked until it's paid. If the payment you then make to settle it also fails, your company is blocked again right away, and an email names the invoice. Your data stays stored throughout.

Using a different card or account

In the Zahlung card, click Ersetzen (replace) next to your payment method and enter the new one at Stripe. As with adding it the first time, only the owner or an admin can do this. Everyone else sees in the Zahlung card who takes care of it.

Where do I find my invoices?
What can each role do?

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