Real-time payments
Learn about real-time payments with Stripe.
Real-time payment methods let customers directly transfer money from their bank account or alternate funding source using an authenticating intermediary, like a phone number. Because this payment method type increases transaction speeds, it can improve conversion rates. Stripe supports real-time payments in Brazil, Singapore, Thailand, Sweden, and India.
Payment process
The real-time payment method process is as follows:
- Stripe sends the customer an identifier that lists the payable amount.
- The customer makes the payment through their application or third-party service.
- The application or third-party service communicates with the customers bank to secure the funds.
When a customer uses a real-time payment method, their statement lists the application or third-party service as the payment type.
Product support
1 Not supported when using Checkout in subscription mode. 2 Not supported when using Checkout in setup mode. 3 Invoices and Subscriptions only support the send_invoice collection method.
API support
| Payment method | API enum | PaymentIntents | SetupIntents | Manual capture | Setup future usage 1 | Requires redirect 2 |
|---|---|---|---|---|---|---|
| Pay by Bank | pay_by_bank | Yes | ||||
| PayNow | paynow | No | ||||
| PayTo | payto | No | ||||
| PromptPay | promptpay | No | ||||
| UPI | upi | Yes | ||||
| Swish | swish | Yes |
1 Cards and bank debit methods including the related setting debit, AU the related setting direct debit, and the related setting debit support both on_session and off_session with setup future usage. All other payment method types either don’t support setup_future_usage or only support off_session. 2 Payment methods might require confirmation with return_url to indicate where Stripe should redirect your customer after they complete the payment.