Pay by Bank payments
Learn how to accept Pay by Bank payments.
Checkout
Elements
Mobile
Pay by Bank is a single use payment method where customers must authenticate their payment with their bank app or web portal. Pay by Bank redirects customers from your website, authorizes the payment, and returns them to your website. You get immediate notification on whether the payment succeeded or failed.
Determine compatibility
A Checkout Session must satisfy all of the following conditions to support Pay by Bank payments:
- Prices for all line items must be in the same currency. If you have line items in different currencies, create separate Checkout Sessions for each currency.
- You can only use one-time line items. Recurring subscription pricing plans aren’t supported.
To join the private preview for France and Germany availability, see Pay by Bank payments.
Enable Pay by Bank as a payment method
To create a new Checkout Session:
- Enable Pay by Bank in your Dashboard. Stripe automatically displays Pay by Bank to eligible customers using dynamic payment methods . If you currently specify payment _ method _ types , see the migration guide .
- Make sure all your line _ items use the gbp currency.
- Add a message in payment_method_options.pay_by_bank.statement_descriptor . This descriptor can be your business name or some other text to help your customer identify the transaction. Your customer’s bank statement includes this message.
Command Line
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Fulfill your orders
After accepting a payment, learn how to fulfill orders.
Test your integration
To test your Checkout integration, select Pay by Bank as the payment method and click the Pay button.
- Click Authorize test payment to test the case when the payment is successful.
- Click Fail test payment to test the case when the customer fails to authenticate.
Handle refunds and disputes
The refund period for Pay by Bank is up to 730 days (2 years) after the original payment. A refund generally arrives by the next business day but can take up to 7 days to appear as successful. There is no dispute process, customers authenticate with their bank.