Payment Methods Fresh

The Payment Methods API allows you to accept a variety of payment methods through a single API. A PaymentMethod object contains payment method details used to create payments.

In this section

Page	Description
Cards	Credit and debit card processing
Buy Now Pay Later	Affirm, Klarna, Afterpay, and more
Wallets	Apple Pay, Google Pay, PayPal
Bank Debits	ACH, SEPA, BACS, and other direct debits
Bank Transfers	Push payment bank transfers
Stablecoins	Crypto stablecoin payments

Use with Payment Intents

Combine a PaymentMethod with a PaymentIntent to accept payments:

const paymentIntent = await stripe.paymentIntents.create({
  amount: 2000,
  currency: 'usd',
  payment_method: 'pm_card_visa',
  confirm: true,
});

Or with a SetupIntent to save for later:

const setupIntent = await stripe.setupIntents.create({
  customer: 'cus_123',
  payment_method: 'pm_card_visa',
  confirm: true,
});

Dynamic payment methods (Recommended)

Instead of specifying payment methods manually, use dynamic payment methods. Stripe automatically shows the most relevant payment options for each customer based on their location, device, and transaction:

// No payment_method_types needed — Stripe handles it
const session = await stripe.checkout.sessions.create({
  line_items: [{ price: 'price_1234', quantity: 1 }],
  mode: 'payment',
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
});

Manage which payment methods are enabled in Dashboard → Settings → Payment Methods.

Immediate vs delayed notification

Payment method	When you know if payment succeeded
Cards	Immediately
Wallets (Apple Pay, Google Pay)	Immediately
ACH Direct Debit	1-5 business days
SEPA Direct Debit	3-7 business days
Bank transfers	Varies

For delayed methods, always use webhooks — don't rely on redirect URLs.

Reusable vs single-use

Type	Examples	Can save for future?
Reusable	Cards, bank debits	Yes
Single-use	Some bank transfers	No

Set up reusable payment methods for future use to reduce future declines and friction.

PaymentIntent webhook events

Event	Description
payment_intent.processing	Submitted, waiting for confirmation (delayed methods)
payment_intent.succeeded	Payment complete — fulfill the order
payment_intent.payment_failed	Payment failed — request another method