Payment
Stripe Payment methods
Based on your customer’s geography and your business model, identify relevant payment methods to integrate by reviewing the profiles of Stripe-supported payment options below.
ACH credit transfers
Credit transfers on the Automated Clearing House (ACH) network enable customers to send funds from their bank account to a US-domiciled bank account. In 2019, the ACH network moved 24.7 billion electronic payments, making it one of the largest, safest, and most reliable payment systems.
To collect a payment via ACH credit transfer, you must provide a routing and account number to your customers, who then initiate the payment from their bank account. Funds can take a few days to arrive, however some financial institutions process same-day ACH credit transfers, allowing for accelerated movement of funds.
Payment method type
Bank credit transfer
Relevant payer geography
US
Relevant business model
Professional services
Presentment currency
USD
Recurring payments
No
Refunds
Yes
Disputes
No
Payment completion
2-3 business day
ACH debits
Credit transfers on the Automated Clearing House (ACH) network enable customers to send funds from their bank account to a US-domiciled bank account. In 2019, the ACH network moved 24.7 billion electronic payments, making it one of the largest, safest, and most reliable payment systems.
To collect a payment via ACH credit transfer, you must provide a routing and account number to your customers, who then initiate the payment from their bank account. Funds can take a few days to arrive, however some financial institutions process same-day ACH credit transfers, allowing for accelerated movement of funds.
Payment method type
Bank debit
Relevant payer geography
US
Relevant business model
SaaS and subscription businesses, professional services
Presentment currency
USD
Recurring payments
Yes
Refunds
Yes
Disputes
Yes
Payment completion
5 business days
Cards
Credit and debit cards (Visa, Mastercard, American Express, Discover and Diners, China UnionPay, JCB, Cartes Bancaires, Interac) are a dominant payment method globally, accounting for 41% of online payments.
Credit cards are issued by banks and allow customers to borrow money with a promise to pay it back within a grace period to avoid extra fees. Consumers can accrue a continuing balance of debt, subject to being charged interest on the amount.
Debit cards offer the convenience of card payments but are linked to a bank account, where funds are drawn directly from the linked account at the time of payment.
Visa and Mastercard, the largest card networks in the world, function exclusively as payment processing systems that do not issue cards to consumers directly. Instead, they allow banks and financial institutions to brand and distribute their cards. American Express is also a payment processing system that—unlike Visa and Mastercard—issues its own cards directly to consumers.
Payment method type
Card
Relevant customer geography
Global
Relevant business model
E-commerce and marketplaces, SaaS and subscription businesses, on-demand services, professional services
Presentment currency
135+
Recurring payments
Yes
Refunds
Yes
Disputes
Yes
Payment confirmation
Immediate
PayPal Payment Methods
PayPal allows you to make payments using a variety of methods including: PayPal balance, a bank account, PayPal Credit, debit or credit cards, and rewards balance.
This page does not address unauthorized transactions. For information on your protection against unauthorized transactions, please see the Error Resolution section of the PayPal User Agreement.
Selecting a preferred payment method
You can choose any of the payment methods in your PayPal account as your preferred payment method. You can select a preferred payment method in your account preferences on www.paypal.com or in the PayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that is expired.
You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below.
If you have chosen a preferred payment method, it will be shown as the primary method of payment.
The availability of certain payment methods may be limited based on that particular seller or the third-party website you are using to complete the transaction.
If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction.
