Payment method integration options (2024)

The payment methods you can offer depend on the currency, country, and Stripe products you integrate with. Use this guide to make sure your chosen payment methods work for your business and to determine how you want to add payment methods.

Choose your integration Payment method integration options (1)

To decide which integration works best for you, consider:

  • The Stripe products and checkout options you want to use or are currently using.
  • The payment methods you want to enable.

No-code integrations Payment method integration options (2)

We offer several ways to get started with your integration using the Stripe Dashboard that don’t require any code:

  • Payment Links: Take your customers to a Stripe-hosted payment page. This page dynamically shows the payment methods most relevant to the currency and customer’s location based on the payment methods you enabled in the Dashboard.

  • Invoicing: Lets you automatically charge your customer’s payment method on file, or email them the invoice with or without a link to a payment page. You can also create basic subscriptions from the Dashboard. To configure payment methods for invoices and subscriptions, see the Invoice template.

Low-code integrations Payment method integration options (3)

If you’re looking for more control over your payments integration, Stripe offers several unique low-code offerings:

  • Checkout: Lets you add an embeddable payment form to your site or redirect users to a Stripe-hosted checkout page. You can configure Checkout programmatically through the API or configure it in the Dashboard. Stripe selects enabled payment methods from your Dashboard by default. If you’re using the API, you can manually list payment methods using payment method types.

  • Payment Element: A UI component that you embed into your website or app. When customers are ready to complete a purchase, you create a PaymentIntent or a SetupIntent and configure how you want to display payment methods. For the Payment Element, you can manage payment methods from the Dashboard. Stripe handles the return of eligible payment methods based on factors such as the transaction’s amount, currency, and payment flow.

With Checkout and the Payment Element, you can also use subscriptions or recurring charges. To manage customer subscriptions and payment methods for invoices and subscriptions, see Customer management. You can also list payment methods manually with payment method types.

Payment method support Payment method integration options (4)

Payment methods only support certain currencies, countries, and products. Make sure your chosen payment methods work for your scenario. Depending on your payments flows, some additional API options might restrict the payment methods you can offer.

If you’re seeing that a specific payment method isn’t appearing for a customer, use the Payment Methods review page in the Dashboard. This tool lets you troubleshoot the issue using an existing PaymentIntent ID or custom field.

All payment methods have specific requirements for their use and may contain additional restrictions that you must comply with, such as marketing guidelines, additional prohibited and restricted businesses, and information about handling disputes and refunds. These usage requirements and restrictions are described in the documentation for that payment method or in the applicable payment terms.

Country and currency support Payment method integration options (5)

Refer to the following table to see where each payment method is supported and what presentment currencies it accepts. This table contains all of the supported currencies and countries for a given payment method. In some cases, not all of the countries listed can accept payments in all of the listed presentment currencies. For more details on exactly what currencies are accepted, see the individual payment method’s page.

Payment method availabilityPayment method integration options (6)

Product support Payment method integration options (7)

Refer to the following tables to determine which payment methods are supported by each Stripe product:

Checkout modes

There are three Checkout modes: payment, subscription, and setup. Unless specified otherwise, the payment method is available in all modes or any that remain.

Bank debitsPayment method integration options (8)

Bank redirectsPayment method integration options (9)

Bank transfersPayment method integration options (10)

CardsPayment method integration options (12)

LinkPayment method integration options (13)

Real-time paymentsPayment method integration options (14)

VouchersPayment method integration options (15)

WalletsPayment method integration options (16)

Additional API support Payment method integration options (17)

The following tables detail additional payment method API support:

Bank debitsPayment method integration options (18)

Bank redirectsPayment method integration options (19)

Bank transfersPayment method integration options (20)

CardsPayment method integration options (22)

LinkPayment method integration options (23)

Real-time paymentsPayment method integration options (24)

VouchersPayment method integration options (25)

WalletsPayment method integration options (26)

Add payment methods Payment method integration options (27)

Your customers see the available payment methods during the checkout process. You can either manage payment methods from the Stripe Dashboard or list payment methods manually in code. See the Accept a payment guide for detailed steps.

Use dynamic payment methods Payment method integration options (28)

You can manage payment methods from the Dashboard. Stripe handles the return of eligible payment methods based on factors such as the transaction’s amount, currency, and payment flow. This allows Stripe to pull your payment method preferences from the Dashboard to dynamically display the most relevant payment methods to your customers. Stripe enables certain payment methods for you by default. We might also enable additional payment methods after notifying you. Use the Dashboard to enable or disable payment methods at any time.

Unless your integration requires that you list payment methods manually, we recommend managing payment methods from the Dashboard.

If you list payment methods manually and want to migrate payment methods to the Dashboard, follow the instructions for your integration.

In your Checkout integration, remove payment_method_types.

Command Line

curl https://api.stripe.com/v1/checkout/sessions \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d success_url="https://example.com/success" \ -d cancel_url="https://example.com/cancel" \ -d "line_items[0][price]"=price_H5ggYwtDq4fbrJ \ -d "line_items[0][quantity]"=2 \ -d “payment_method_types[]=bancontact\ -d “payment_method_types[]=card\ -d “payment_method_types[]=eps\ -d “payment_method_types[]=giropay\ -d “payment_method_types[]=ideal\ -d “payment_method_types[]=p24\ -d “payment_method_types[]=sepa_debit\ ... -d mode=payment

Stripe displays all compatible payment methods to your customers when checking out depending on the chosen currency or any payment method restrictions like maximum transaction amounts. Stripe also presents the most relevant payment methods for each customer based on their location and currency used. The payments acceptance page prioritizes showing payment methods known to increase conversion for your customer’s location while lower priority payment methods are hidden in an overflow menu.

To see how your payment methods appear to customers, enter a transaction ID or set an order amount and currency in the Dashboard.

Manually list payment methods Payment method integration options (29)

Listing payment methods manually requires some coding. Every payment method you want your PaymentIntent to accept must be added to payment_method_types. Unless your integration requires that you list payment methods manually, we recommend that you manage payment methods from the Dashboard. Stripe handles the return of eligible payment methods based on factors such as the transaction’s amount, currency, and payment flow.

curl https://api.stripe.com/v1/checkout/sessions \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d success_url="https://example.com/success" \ -d cancel_url="https://example.com/cancel" \ -d "line_items[0][price]"=price_H5ggYwtDq4fbrJ \ -d "line_items[0][quantity]"=2 \ -d “payment_method_types[]”=bancontact\ -d “payment_method_types[]”=card\ -d “payment_method_types[]”=eps\ -d “payment_method_types[]”=giropay\ -d “payment_method_types[]”=ideal\ -d “payment_method_types[]”=p24\ -d “payment_method_types[]”=sepa_debit\ ... -d mode=payment

If multiple payment methods are passed, Checkout dynamically reorders them to prioritize the most relevant payment methods based on the customer’s location and other characteristics. The payments acceptance page prioritizes showing payment methods known to increase conversion for your customer’s location while lower priority payment methods are hidden in an overflow menu.

Payment method integration options (2024)

FAQs

What is payment method integration? ›

Understanding Payment Method Integration —

Payment gateways serve as the intermediary between your platform and the financial institutions that process transactions. These gateways support various payment methods, including credit cards, digital wallets, bank transfers, and more.

Is it hard to integrate a payment gateway? ›

Hosted payment gateways make it easy to implement their solutions even for those who are unfamiliar with programming. On top of that, you can use third party software that handle the gateway services by integrating with them directly.

What is an integrated payment? ›

Integrated payments occur when a business's point-of-sale system is connected to a payment processor, allowing for seamless transactions. Customers can pay using different kinds of payment methods, such as credit or debit cards, without the need for manual processing or separate terminals.

How long does it take to integrate a payment gateway? ›

Duration: 2–8 weeks, depending on the integration method (custom payment gateway development and integration may take more than two times longer). Important: Prior to the integration implementation, the company needs to: Establish a merchant account with a bank to receive customer payments.

What is an example of an integrated payment system? ›

Integrated payment transaction data can also be shared with software that the customer interacts with. For example, if a business has a customer portal that allows customers to log in and see their past purchases or invoices. This type of integration is becoming the expected norm among consumers.

How do I create a payment integration? ›

Register as a payment gateway provider with a credit card company (or several) through your acquiring bank.
  1. Contracting with banks. ...
  2. API development. ...
  3. Tokenization solution. ...
  4. PCI DSS certification. ...
  5. Choose additional payment methods. ...
  6. Management tools development.
Apr 28, 2021

What is the easiest payment gateway integration? ›

The Easiest Integration Ever

Integrating payments with Razorpay is as simple as it can get with well documented SDKs, RESTful APIs and plugins for all major platforms and languages.

Which payment gateway is best to integrate? ›

Best Online Payment Gateways in India 2024
  • PayU.
  • Instamojo.
  • CCAvenue.
  • Bill Desk.
  • JusPay.
  • Airpay.
  • Cashfree Payments.
  • Zaakpay.

Can I make my own payment gateway? ›

Building a payment gateway requires considerable technical knowledge. You'll need a team of experienced developers who understand not only how to build software but also how to navigate the complexities of payment processing, such as dealing with multiple banking APIs and integration with various ecommerce platforms.

What are the benefits of integrated payments? ›

6 benefits of using an integrated payments system
  • Increased efficiency and convenience.
  • Improved customer experience.
  • Enhanced security and fraud protection.
  • Cost savings and reduction of human error.
  • Efficient cash flow.
  • Better information for marketing.
May 9, 2023

Do you require integrated payments? ›

Integrated payment processing can improve customer satisfaction by providing a more seamless payment experience. Integrated payment systems expedite the checkout process by accepting multiple payment methods, including credit/debit cards and the newest payment trends like mobile wallets.

What is mobile payment integration? ›

Mobile payment systems are services that enable consumers to make purchases via Apple or Android smartphones, tablets, or wearable devices using all major credit, debit, and gift card networks, alongside bank account information.

What is payment integration API? ›

Payment APIs are generally customizable and allow businesses to configure their payment processing infrastructure. Instead of being limited to a pre-set payment setup, you can use APIs to create custom credit or debit card processing setups, unique to your eCommerce business.

How do you integrate payment method in app? ›

Manual Coding - Developers can add the gateway's API manually, with custom code they've written themselves. SDKs - Software Development Kits (SDKs) are sets of pre-written code libraries and tools that developers can use to add payment gateways to mobile apps with minimal manual coding required.

What is integration in PayPal? ›

PayPal's API integration is preferable when a business has an interconnected tech stack and access to a developer. Using the API allows you to create and manage a large number of PayPal Payments Standard buttons using their Javascript SDK.

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