# Update to use dynamic payment methods

Add dynamic payment methods to your existing platform.

This guide provides instructions for existing platforms to integrate dynamic payment methods. If you’re setting up a new platform, start with the [Connect integration guide](https://docs.stripe.com/connect/interactive-platform-guide.md).

## Integration instructions for dynamic payment methods

Use the following form to select your integration. If you need help determining your platform setup, including checkout solution, connected account types, and charge types, refer to [Create a charge](https://docs.stripe.com/connect/charges.md).

## Enable payment methods for connected accounts [Recommended]

If necessary, consult the following resources for payment method information:

- [A guide to payment methods](https://stripe.com/payments/payment-methods-guide#choosing-the-right-payment-methods-for-your-business) for help in choosing the right payment methods for your platform.
- [Account capabilities](https://docs.stripe.com/connect/account-capabilities.md) to make sure your chosen payment methods work for your connected accounts.
- [Payment method and product support](https://docs.stripe.com/payments/payment-methods/payment-method-support.md#product-support) table to make sure your chosen payment methods work for your Stripe products and payments flows.

Stripe enables certain payment methods for your connected accounts by default. Visit the [Manage payment methods for your connected accounts](https://dashboard.stripe.com/settings/payment_methods/connected_accounts) page in your Dashboard to configure which payment methods your connected accounts accept. Changes to default settings apply to all new and existing connected accounts.

For each payment method, you can select one of the following dropdown options:

|  |
|  |
| **On by default**  | Your connected accounts accept this payment method during checkout. Some payment methods can only be off or blocked, this is because the owners of your platform’s connected accounts must activate them in their Dashboard settings page.    |
| **Off by default** | Your connected accounts don’t accept this payment method during checkout. If you allow the owners of your platform’s connected accounts to manage their own payment methods in their Dashboard, however, they have the ability to turn it on. |
| **Blocked**        | Your connected accounts don’t accept this payment method during checkout. If you allow the owners of your platform’s connected accounts to manage their own payment methods in their Dashboard, they don’t have the option to turn it on.     |
![Dropdown options for payment methods, each showing an available option (blocked, on by default, off by default)](https://b.stripecdn.com/docs-statics-srv/assets/dropdowns.ef651d721d5939d81521dd34dde4577f.png)

Payment method options

If you make a change to a payment method, you must click **Review changes** in the bottom bar of your screen and **Save and apply** to update your connected accounts.
![Dialog that shows after clicking Save button with a list of what the user changed](https://b.stripecdn.com/docs-statics-srv/assets/dialog.a56ea7716f60db9778706790320d13be.png)

Save dialog

## Allow your connected accounts to manage their payment methods [Recommended]

Stripe recommends that you allow the owners of your platform’s connected accounts to customize their own payment methods from the Dashboard. If you enable this option, then each connected account with Stripe Dashboard access can log in to their Dashboard and view their [Payment methods](https://dashboard.stripe.com/settings/payment_methods) page. The Dashboard displays the set of payment method defaults you applied to all new and existing connected accounts. The owners of your platform’s connected accounts can override these defaults, excluding payment methods you have blocked.

Check the **Account customization** checkbox to enable this option. You must click **Review changes** in the bottom bar of your screen and then select **Save and apply** to update this setting.
![Screenshot of the checkbox to select when allowing connected owners to customize payment methods](https://b.stripecdn.com/docs-statics-srv/assets/checkbox.275bd35d2a025272f03af029a144e577.png)

Account customization checkbox

## Integrate Checkout using dynamic payment methods [Required]

Previously, you might have used the `payment_method_types` parameter when defining your Checkout session to accept different payment methods. To begin managing your payment methods in the Dashboard, remove this parameter from your integration.

After you remove the `payment_method_types` parameter from your integration, some payment methods turn on automatically, including cards and wallets. The `currency` parameter restricts the payment methods that are shown to the customer during the checkout session.

#### Ruby

```ruby

# Don't put any keys in code. See https://docs.stripe.com/keys-best-practices.
# Find your keys at https://dashboard.stripe.com/apikeys.
client = Stripe::StripeClient.new('<<YOUR_SECRET_KEY>>')

client.v1.checkout.sessions.create({
  mode: 'payment',
  line_items: [{
    price_data: {
    # The currency parameter determines which
    # payment methods are used in the Checkout Session.
    currency: 'eur',
    product_data: {
      name: 'T-shirt',
    },
    unit_amount: 2000,
  },
  quantity: 1,
}],
success_url: 'https://example.com/success',
})
```

## Enable shipping address collection in Checkout [Recommended]

If you collect [shipping addresses](https://docs.stripe.com/payments/collect-addresses.md?payment-ui=checkout), you need to define which countries you can ship to when you create the Checkout session. Specify the two-letter ISO country codes in the `shipping_address_collection.allowed_countries` [parameter](https://docs.stripe.com/api/checkout/sessions/create.md#create_checkout_session-shipping_address_collection-allowed_countries).

You can optionally add shipping rates with the `shipping_options` [parameter](https://docs.stripe.com/api/checkout/sessions/create.md#create_checkout_session-shipping_options).

If you use Afterpay or Clearpay, you must collect shipping addresses, but you don’t need to specify shipping rates for those payment methods.

> Shipping address collection is required to use Afterpay or Clearpay as a payment method in Checkout, but shipping rates aren’t.

## Handle delayed notification payment methods, if applicable [Recommended]

Follow the steps in our [Manage payment methods in the Dashboard](https://docs.stripe.com/payments/dashboard-payment-methods.md#delayed-notifications) guide on how to [handle delayed notification payment methods](https://docs.stripe.com/payments/dashboard-payment-methods.md#delayed-notifications).

## Test your integration [Recommended]

[Test your integration](https://docs.stripe.com/payments/dashboard-payment-methods.md#testing) to ensure it performs as you expect. Log in to one of your test accounts and go to **Payment methods** settings to view your settings for your connected accounts. Test your checkout flow with your test API key and a test account. If a payment method you expect to be available isn’t available, check the [payment method product support table](https://docs.stripe.com/connect/account-capabilities.md#payment-methods) to make sure your products and businesses are in a compatible currency and country.

## Have your connected accounts with Stripe Dashboard access enable any payment methods that require setup steps [Optional]

Your connected accounts with Stripe Dashboard access are able to use most payment methods by default; however, some payment methods (such as Alipay and WeChat Pay) require your users to manually activate the payment method in their Dashboard. Confirm which payment methods require manual activation using the [payment method capabilities](https://docs.stripe.com/connect/account-capabilities.md#payment-methods) table. If the **Available by default** column reads **no**, the payment method requires manual activation.

If you allow the owners of your platform’s connected accounts to manage payment methods, then instruct them to enable these payment methods from their [Dashboard](https://dashboard.stripe.com/settings/payment_methods).
![Screenshot of connected account payment method customization through Dashboard showing available payment methods as on and available.](https://b.stripecdn.com/docs-statics-srv/assets/turn-on-payments.afef26196ebae8f5564d328d6ba73b92.png)

Payment method customization

If you don’t allow the owners of your platform’s connected accounts to customize payment methods, then instruct them to visit their [manual settings page](https://dashboard.stripe.com/settings/payment_methods).
![Screenshot of manual settings page with payment methods listed with the option to request access, request invite, or configure.](https://b.stripecdn.com/docs-statics-srv/assets/manual-settings.db0a0c2abebb94e197e1bef683ea7db9.png)

Manual settings for payment methods

> The **embedded payment method settings component** allows connected accounts to configure the payment methods they offer at checkout without the need to access the Stripe Dashboard. Learn more about the [embedded payment method settings component](https://docs.stripe.com/connect/supported-embedded-components/payment-method-settings.md) and get notified once it becomes available.

## See also

- [Connect integration guide](https://docs.stripe.com/connect/charges.md)
- [Payment method configurations API](https://docs.stripe.com/connect/payment-method-configurations.md)
- [Multiple payment method configurations](https://docs.stripe.com/connect/multiple-payment-method-configurations.md)
- [Add payment method capabilities](https://docs.stripe.com/connect/payment-methods.md)