## Confirm a Pay by Bank payment

Use `stripe.confirmPayByBankPayment` in the [Pay by Bank Payments with Payment Methods](/payments/pay-by-bank.md) flow when the customer submits your payment form.
When called, it confirms the `PaymentIntent` with `data` you provide. It then automatically redirects the customer to authorize the transaction.
After authorization is complete, the customer is redirected back to your specified `return_url`.

When you confirm a `PaymentIntent`, it needs to have an attached [PaymentMethod](/api/payment_methods.md).
In addition to confirming the `PaymentIntent`, this method can automatically create and attach a new `PaymentMethod` for you.
If you have already attached a `PaymentMethod` you can call this method without providing any additional data.
These use cases are detailed in the sections that follow.

> Be aware that `stripe.confirmPayByBankPayment` might take several seconds to complete.
> During that time, disable your form from being resubmitted and show a waiting indicator like a spinner.
> If you receive an error result, show that error to the customer, re-enable the form, and hide the waiting indicator.

`stripe.confirmPayByBankPayment` will trigger a redirect when successful.
If there's an error, it returns a `Promise` which resolves with a `result` object.
This object has either:

* `result.paymentIntent`: the successful [PaymentIntent](/api/payment_intents).
* `result.error`: an error.
  Refer to the [API reference](/api/errors) for all possible errors.

**Syntax:** `stripe.confirmPayByBankPayment(...)`

- `clientSecret` (string) **required**
  The [client secret](/api/payment_intents/object.md#payment_intent_object-client_secret) of the `PaymentIntent`.

- `data` (object)
  Data to be sent with the request.
Refer to the [Payment Intents API](/api/payment_intents/confirm.md) for a full list of parameters.

  - `payment_method` (string | object) **required**
    Either the `id` of an existing [PaymentMethod](/api/payment_methods.md), or an object containing data to create a `PaymentMethod` with.
See the use case sections below for details.

  - `return_url` (string) **required**
    The url your customer will be directed to after they complete authentication.

- `options` (object)
  An options object to control the behavior of this method.

  - `handleActions` (boolean)
    Set this to `false` if you want to [manually handle the authorization redirect](/payments/pay-by-bank/accept-a-payment?platform=web.md#handle-redirect).
Default is `true`.

### Use case: with a new PaymentMethod

If you haven't already created a `PaymentMethod`, you can pass payment method parameters,
and the newly created `PaymentMethod` will be used to confirm the `PaymentIntent`.

### Data argument properties

- `payment_method` (object) **required**
  An object containing data to create a `PaymentMethod` with.

- `return_url` (string) **required**
  The url you redirect your customer to after they complete authentication.

### Confirm with a new PaymentMethod

```js
stripe
  .confirmPayByBankPayment('{PAYMENT_INTENT_CLIENT_SECRET}', {
    // Return URL where the customer should be redirected after
    // the authorization.
    return_url: window.location.href,
  })
  .then(function(result) {
    if (result.error) {
      // Inform the customer that there was an error.
    }
  });
```

```es_next
const {error} = await stripe.confirmPayByBankPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    // Return URL where the customer should be redirected after
    // the authorization.
    return_url: window.location.href,
  },
);
```

### Use case: with an existing payment method

Use `stripe.confirmPayByBankPayment` with an existing `PaymentMethod` by passing its `id` to `payment_method`.
The `PaymentMethod` will be used to confirm the `PaymentIntent`.

### Data argument properties

- `payment_method` (string) **required**
  The `id` of an existing `PaymentMethod`.

- `return_url` (string) **required**
  The url you redirect your customer to after they complete authentication.

### Confirm with existing payment method

```js
stripe
  .confirmPayByBankPayment('{PAYMENT_INTENT_CLIENT_SECRET}', {
    payment_method: '{PAYMENT_METHOD_ID}',
    // Return URL where the customer should be redirected after the authorization.
    return_url: window.location.href,
  })
  .then(function(result) {
    // Inform the customer that there was an error.
  });
```

```es_next
const {error} = await stripe.confirmPayByBankPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    payment_method: '{PAYMENT_METHOD_ID}',
    // Return URL where the customer should be redirected after the authorization.
    return_url: window.location.href,
  },
);
```

### Confirm a Pay by Bank payment

```js
stripe
  .confirmPayByBankPayment('{PAYMENT_INTENT_CLIENT_SECRET}', {
    // Return URL where the customer should be redirected after
    // the authorization.
    return_url: window.location.href,
  })
  .then(function(result) {
    if (result.error) {
      // Inform the customer that there was an error.
    }
  });
```

```es_next
const {error} = await stripe.confirmPayByBankPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    // Return URL where the customer should be redirected after
    // the authorization.
    return_url: window.location.href,
  },
);
```