In most cases, it will not be a problem whether the template is created inside or outside the platform, but sometimes an issue can occur. For instance: extra symbols, lack of symbols, spaces, etc. It happens due to the different formats of text creating.
As far as it is usually difficult or impossible to observe unless the e-mail reaches the customer, in order to avoid or minimize any problems with the correspondence, it is better to create templates inside the YayPay platform or manually edit the text after pasting.