For coaches, consultants and experts

Close the deal in the call: contract, signature and installment payments in one flow.

ioumi handles your entire payment process as a coach or consultant, from the offer and the coaching contract with e-signature to installment payments. Whether it’s 1:1 coaching, a group program, a mastermind or a consulting package: the yes in your sales call becomes a signed contract with recurring payments in minutes, in your business’s branding.

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VERY GOOD | ProvenExpert

Built for everyone who sells coaching and consulting in person

ioumi Deals plays to its strengths wherever there’s a real sales process: Opening, Setting, Closing and then the deal closed in the conversation. In B2C just as much as in B2B.

1:1 coaching

High ticket coaching you negotiate individually: your own contract start date, your own cancellation and special clauses and a payment plan that fits exactly this client, from several installments on different dates to a discounted one-time payment.

Group programs & masterminds

Many participants, one template, and still every contract is individual: payments start when the cohort starts, each participant picks their installment plan, and billing keeps running automatically for everyone.

Advisory & consulting

Consulting packages with their own contract terms and payments that follow the project: a deposit at signing, milestone payments as work progresses and installments you trigger yourself in the dashboard.

Online courses & events

Standardized products at a fixed price sell alongside via payment link: the same checkout, the same automatic invoicing, just without a sales call and without an individual contract.

Reasons to choose ioumi:

  • Made in Austria
  • GDPR compliant
  • EU hosting
  • eIDAS signature
  • 5.0 on OMR Reviews
  • 5.0 on ProvenExpert
ioumi Deals

From the “yes” in the call to money in your account

This is what closing with ioumi looks like, often while you’re still on the sales call:

Offer

01

From your template: 100% ready, 100% customizable. Send the tailored offer in seconds.

Payment options

02

Flexible payment options for each offer: installments, deposit, retainer, workshop flat fee or manually triggered payments.

Signature

03

You go through the contract together in the call, and your client signs by e-signature under eIDAS, in your branding.

Processing

04

As soon as your client has added their payment method, ioumi collects the payments automatically and issues the invoices.

Book a no-obligation demo call now More about ioumi Deals
ioumi Payment Links

A link instead of a sales call: your clients book on their own

Online course, workshop or event at a fixed price? You don’t need to be on a call for that. The checkout runs in the same system as your contracts.

Product

01

Online course, workshop or event ticket: you set up your standardized offer at a fixed price.

Payment options

02

One-time payment, subscription or installments: your client chooses right in the checkout.

Link & payment

03

Share the link in your bio, by email or in your community, and clients book on their own through your checkout.

Invoice

04

The invoice is created automatically and sent right away.

Book a no-obligation demo call now More about ioumi Payment Links

The benefits for your coaching business

From flexible payment setups to automatic dunning: these are the details that make the difference day to day when you have lots of installment clients.

Close today, start date later

A standard checkout only knows one thing: the client pays right away. With ioumi, your client signs today and the first installment starts whenever you agreed, for example when the coaching starts next quarter.

  • Payment start fully schedulable: at signing, at contract start, on a date or triggered manually
  • Contract term independent of the payment start, you set both dates separately
  • Payment method is securely saved at €0 and only charged at the agreed start
Digital signature being drawn with a stylus on a screen (e-signature on a coaching contract)

Payment plans on your terms

For each contract you offer your client several payment options to choose from, for example 12 installments, 6 installments or a discounted one-time payment. And you configure every one of them down to the last detail:

Installment plan structure
  • Up to 99 installments per plan
  • Freely selectable intervals
  • Milestone payments
  • Save as a template
When payments are due
  • At signing
  • At contract start
  • On a fixed date
  • Relative to the previous payment
  • Manually in the dashboard
What it costs
  • Several options to choose from
  • Deposit plus installments
  • Surcharges and discounts per option

Your client picks their option during the signing process, with the discount or surcharge clearly shown. The chosen option becomes part of the contract and appears in the signed PDF.

“Several members of our mastermind already use ioumi, and everything that used to be a real headache is now combined in one tool.”

Patrick Wind
Patrick Wind Founder of Europe’s #1 Mastermind Forbes 30 Under 30

Payment methods

  • Visa
  • Mastercard
  • American Express
  • Apple Pay
  • Google Pay
  • SEPA Direct Debit

You always see what’s coming in

Especially with lots of installment clients, looking ahead is worth its weight in gold: the dashboard shows your cash flow forecast for the coming months, plus all sales, open payments and active contracts at a glance. And if you work with setters and closers: because contract, invoice and payment are linked, you see who closed the deal for every incoming payment. That lets you pay commissions based on money actually received, not on the deal being closed.

ioumi dashboard with payment history, a forecast for the next six months and contract pipeline

When an installment fails, ioumi gets to work first

ioumi automatically retries failed payments three times within six days and sends your client an email reminder each time. They can fix their payment method themselves in the customer portal or settle the open installment directly, and they’re back on automatic collection. Only if every attempt fails are you notified, and you decide what happens next.

  • Three automatic payment attempts with reminders, without you lifting a finger
  • Invoices and receivables keep running and stay cleanly documented
  • E-signature and every payment with an audit trail: if push comes to shove, you have a ready-to-hand-over package for debt collection
Automatically generated invoices with PDF and CSV export in ioumi

Fits your setup

Through API, webhooks and automations, ioumi slots right into your setup:

  • CRM integration: fill the contract template straight from your CRM, signature and contract data flow back
  • Course portal access unlocked after signing or payment
  • Keep email lists and tags updated automatically
  • Notifications in Slack, Teams and more
  • Send conversions back to Meta and other ad platforms
Show me in a demo call

ioumi for coaches at a glance

Contract and signature
Contract From your template: 100% ready, 100% customizable
Contract terms Individual terms per contract plus your saved terms and conditions, both version-safe in the contract PDF
E-signature Legally valid under the eIDAS Regulation (EU) No 910/2014, with a complete audit trail
Branding Offers, contracts, emails and customer portal in your logo and your colors
Payments
Payment plans Several to choose from per contract, e.g. 12, 6 or 3 installments plus a discounted one-time payment, with surcharges or discounts per option
Payment triggers At signing, at contract start, on a date, relative to the previous payment or triggered manually
Payment start Fully schedulable, payment method is saved at €0
Payment methods Visa, Mastercard, American Express, Apple Pay, Google Pay and SEPA Direct Debit, selectable per offer
Failed payments 3 automatic payment attempts in 6 days, customer portal for self-service settlement
Withdrawal & cancellation Withdrawal button for B2C built in, invoice cancellations and credit notes included
Money and accounting
Invoices Automatic with every payment, in your name, with your own number sequence
Accounting Monthly export with all invoices, payments and fees for your accountant
Payouts Weekly and automatic to your bank account, after a 7-day security period
Contracting party You, 100%: ioumi is not a reseller
Platform and terms
Team & commissions Team member access with individual permissions, commissions for setters and closers based on money received
Overview Cash flow forecast for the coming months, open payments and active contracts in real time
Integrations Public API, webhooks and magic links from your CRM, automations via make.com, Zapier or n8n
Migration We migrate existing clients and running payment plans together with you, via CSV or API
Data protection GDPR compliant, hosted in the EU, data processing agreement included
Contract term Cancel monthly, export your contract and payment data at any time
Support Personal support in English and German, including when moving existing contracts
Price Free plan with no monthly base fee, paid plans from €39 per month
Software Made in AustriaeIDAS-compliant digital signaturesSoftware hosted in EuropeIn the Startup Vorarlberg incubation programGDPR compliant

Getting started costs nothing: on the Free plan you pay no monthly base fee, only a transaction fee on the payment volume processed. Paid plans start at €39 per month, and for high contract volumes we agree on individual terms. Let us show you ioumi in a personal demo call and settle your terms right there.

Schedule a no-obligation demo call now All plans on the pricing page

Still have questions? Here are the most important answers.

  • How flexible are the payment plans in ioumi?

    One-time payment, down payment plus installments, subscription or combinations, several options to choose from, triggered on signature, contract start, a date or manually. More on ioumi Deals. Read the full answer

  • Which payment methods can my customers use?

    Visa, Mastercard, American Express, Apple Pay, Google Pay and SEPA Direct Debit. You decide which ones are available for each offer. Read the full answer

  • What happens if a payment fails?

    ioumi retries the collection automatically, notifies your customer and shows you the status in the dashboard. You only step in where it's needed. Read the full answer

  • What happens with a chargeback?

    Possible with SEPA Direct Debit. Depending on your plan, a payment dispute costs €20 to €30, and your claim remains valid and documented by the contract and audit trail. Read the full answer

  • How do withdrawals and cancellations work with ioumi?

    Yes, both are built in: in B2C the legally required withdrawal button is integrated, in B2B your contract terms apply. You cancel invoices and create credit notes directly in ioumi. Read the full answer

  • Are the digital signatures legally valid?

    Yes, the e-signature complies with the eIDAS Regulation (EU) No 910/2014, with a complete audit trail (IP, timestamp, document version). Read the full answer

  • Who is liable for the content of my contracts?

    You, as the seller. ioumi provides the tool, and you write your offer, contract terms and general terms and conditions yourself and adjust them for each contract. Read the full answer

  • What does my customer see of ioumi?

    Your brand: offers, contracts, emails, invoices and the customer portal carry your logo and your colors. Read the full answer

  • Am I the contracting party for my customers, or does ioumi sell on my behalf?

    Yes, 100%. ioumi is not a reseller: contracts and invoices are issued in your name, and the customer relationship belongs to you. Read the full answer

  • Can I bring in my sales team and track commissions?

    Yes: team member accounts with their own permissions, with setter and closer recorded for each deal. Because contract, invoice and payment are linked, you calculate commissions based on the money actually received. Read the full answer

  • How many team members can work with ioumi?

    In addition to the admin: one account on the Free plan, two on Starter, five on Growth and twenty on Scale, each with its own permissions. We sort out larger teams personally. Read the full answer

  • Who takes care of VAT?

    You remain the contracting party and are therefore liable for the tax. ioumi creates the invoices with your tax rates and provides the export for your bookkeeping, and you handle the filing and payment. Read the full answer

  • When do I get my money, and where is it held until then?

    Payments land in your own wallet and are paid out to your bank account automatically every week, after a 7-day security period. Read the full answer

  • How quickly can I start selling with ioumi?

    The same day: the review runs digitally without waiting time, then you set up your template and payment plans and send your first contract. We support you during setup. Read the full answer

  • How do my existing customers and ongoing contracts move to ioumi?

    Through the migration service: we migrate existing customers and ongoing payment plans together with you, via CSV or API, including CRM integration. Read the full answer

  • Is ioumi GDPR compliant, and where is the data hosted?

    Yes. Austrian company, hosting in the EU, eIDAS compliant e-signature and a data processing agreement with every customer. Read the full answer

  • What happens if ioumi is ever unavailable?

    Your payments keep running: due collections and invoices are scheduled in the background and processed afterwards. Hosting is in the EU with UpCloud, which states 99.999% availability. Read the full answer

  • Is there a free way to get started?

    Yes, the Free plan has no monthly base fee, but slightly higher transaction fees instead. As soon as your volume grows, you switch to a plan with a monthly base fee. Read the full answer

  • What's the difference between ioumi and CopeCart, Digistore24 or ablefy?

    CopeCart, Digistore24 and ablefy are checkout platforms, some of them acting as resellers. ioumi is a contract and payment platform: offer, contract with e-signature, then automatic payment and invoicing, in your name. The detailed comparisons with sources and sample calculations show the differences one by one. Read the full answer

  • How much does ioumi cost?

    A small monthly base fee plus a transaction fee on the volume you process, starting at €0 on the Free plan. All plans are on the pricing page. Read the full answer

All questions & answers