# Enable payment methods for connected accounts

Configure which payment methods your connected accounts can accept.

You can enable or disable each payment method by default for all charges in your Connect integration. Also, you can override the default for individual connected accounts that use *direct charges* (A charge type where customers transact directly with a connected account, which is always the merchant of record. With each payment, the connected account pays fees to Stripe and, optionally, to your platform) or use *indirect charges* (A charge type where customers transact directly with your platform instead of with a connected account. Indirect charges include destination charges and separate charges and transfers) with *on\_behalf\_of* (A parameter that allows a Connect platform to create an indirect payment where the connected account is the merchant of record (MoR)). Some payment methods allow you to override the default for accounts in certain countries.

You can also allow connected accounts to override the default or block them from enabling certain payment methods.

## Determine eligibility

Some connected accounts can’t accept an enabled payment method until they become eligible. An account can be ineligible for reasons such as:

- Prohibited [merchant category code (MCC)](https://docs.stripe.com/connect/setting-mcc.md): Some payment methods disallow certain MCCs.
- Additional identity verification required: Some payment method capabilities have [requirements](https://docs.stripe.com/connect/required-verification-information.md) that a connected account must fulfill.
- Recipient-only accounts: Some connected accounts are payee or recipient only. Payment method enablement doesn’t apply to them.
- Fraud risk: If a connected account is flagged for fraud, Stripe blocks their capabilities.

To check which connected accounts are eligible for a payment method:

1. From your Settings > Connect > Payment methods > [Connected accounts](https://dashboard.stripe.com/settings/payment_methods/connected_accounts) page in the Dashboard, select a payment method configuration containing the payment method.
1. Expand a payment method to view its details. Most payment methods display a list of the number of accounts in each status per country:
   - **Missing info:** Accounts that have outstanding requirements.
   - **Ineligible:** Accounts that aren’t eligible to accept the payment method due to reasons such as a prohibited MCC or unsupported country.
   - **Eligible:** Accounts that are eligible to accept the payment method, but don’t have it enabled. These accounts can accept the payment method when it’s explicitly included in a transaction.
   - **Enabled:** Accounts that are eligible to accept the payment method and that have it enabled.
1. Click **Download account list** to [export a CSV list](https://docs.stripe.com/connect/payment-methods.md#export-list) of specific connected accounts and their statuses for the selected payment method.

> This view includes connected accounts that:
> 
> - Have processed a payment in the last 90 days and are older than 30 days.
- Are less than 30 days old, regardless of their payment activity.

For payment methods with their own capabilities, enabled accounts have a status of `requested_active`, `requested_inactive`, or `requested_needs_info` in the CSV file, according to the payment method capability’s status.

## Set default payment method enablement

To enable or disable payment method types for all your connected accounts by default:

1. From your **Settings** > **Connect** > **Payment methods** > [Connected accounts](https://dashboard.stripe.com/settings/payment_methods/connected_accounts) page in the Dashboard, click the **Default** [payment method configuration](https://docs.stripe.com/payments/payment-method-configurations.md). Alternatively, select a different configuration to edit.
1. For each payment method, choose the default setting:
   - **On by default** enables the payment method by default for all eligible connected accounts for this configuration.
   - **Off by default** disables the payment method by default for connected accounts for this configuration.
   - **Blocked** disables the payment method for all connected accounts for this configuration, and prevents enablement by any other means.
1. If the payment method allows per-country defaults, you can expand it and choose a default setting for any of the allowed countries.
1. Click **Review Changes** at the bottom of the page to confirm your selections.

After you review and confirm your update, Stripe enables selected payment methods for all `Eligible` connected accounts and automatically requests their corresponding [capabilities](https://docs.stripe.com/connect/account-capabilities.md). Most payment method capabilities don’t have requirements beyond those normally collected during onboarding, so their status immediately becomes `active`.

When you create an account that’s eligible for an enabled payment method, or a previously ineligible account becomes eligible, Stripe automatically enables it for them and requests the corresponding capability.

## Override the default for individual connected accounts

You can override the default enablement for individual connected accounts in the connected account’s settings page.

1. From the **Payment methods** tab of an individual connected account’s details page in the [Dashboard](https://dashboard.stripe.com/connect/settings/payment_methods), click the payment method’s overflow menu (⋯) and select **View details**.
1. Deselect **Inherit from platform settings**.
1. Select the enablement to apply for this connected account:
   - **Enabled** enables the payment method for this account, regardless of the default platform setting.
   - **Disabled** disables the payment method for this account, regardless of the default platform setting.
   - **Blocked** disables the payment method and prevents the connected account from enabling it.
1. For any payment methods that you enable, you must also request the corresponding capability for the connected account. Unlike with platform-wide defaults, Stripe doesn’t automatically request the capability.
   1. Click the **Overview** tab of the connected account’s details page.
   1. In the **Capabilities** section, click **Edit**.
   1. For the **Merchant** configuration, click **Request** for each payment method you enabled individually.

### Allow connected accounts to set their own enablement

Connected accounts with access to a Stripe-hosted Dashboard or the [Payment method settings embedded component](https://docs.stripe.com/connect/supported-embedded-components/payment-method-settings.md) can override the platform default payment method settings for their own account. Dashboard users can log in to the **Settings** > **Payment methods** page and follow the same steps that the platform completes when setting individual payment method enablement.

Connected accounts can’t override the platform default if it’s set to **Blocked**.

> 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.

## Present payment methods to customers

The list of payment methods presented to the customer for a given transaction depends on whether it uses [dynamic payment methods](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md) or explicitly specifies `payment_method_types`:

- **Dynamic payment methods:** (Recommended)  Automatically displays the set of enabled payment methods with the highest likelihood of conversion for each customer based on more than 100 signals.
- **Specified payment methods:** Displays only the payment methods you manually specify for the integration, whether or not they’re enabled.

In either case, if a payment method has an associated capability, the connected account’s capability must be active.

## Optional: Export payment method summary

> This view includes connected accounts that:
> 
> - Have processed a payment in the last 90 days and are older than 30 days.
- Are less than 30 days old, regardless of their payment activity.

Select **Export account list** under the table to download a .csv file locally to your machine that lists the following details for each account:

| Column               | Description                                                                                                                  |
| -------------------- | ---------------------------------------------------------------------------------------------------------------------------- |
| connected_account    | The ID for the connected account                                                                                             |
| country              | The country where the connected account is located                                                                           |
| trailing_piv_90d_usd | The pay-in-volume for the connected account over the last 90 days                                                            |
| has_volume           | Whether or not the connected account had any volume over the last 90 days                                                    |
| mcc                  | The merchant category code for the connected account                                                                         |
| capability_type      | The capability associated with the payment method specified for the account list export                                      |
| status               | The capability status of the payment method capability for the connected account                                             |
| reasons              | If `status` is `ineligible` or `needs_more_info`, a comma-delimited list of reasons for why the capability is in that status |

For accounts where `status=needs_more_info`, `reasons` corresponds to the `requirements` field described in the [capabilities API](https://docs.stripe.com/connect/account-capabilities.md#viewing).

## See also

- [Account capabilities](https://docs.stripe.com/connect/account-capabilities.md)
- [Upgrading to dynamic payment methods](https://docs.stripe.com/connect/dynamic-payment-methods.md)