Link instant bank payments in Passthrough modeBeta

Accept Link instant bank payments when the payment method type isn't link.

Link in Passthrough mode

The content on this page applies only to integrations that are enabled to use Link in Passthrough mode. For information about Passthrough mode, reach out to your account manager or Stripe Support.

In addition to credit and debit cards, Link also supports instant bank payments for eligible purchases. Link bank payments authorize and settle exactly like cards. You can also save them for future use during checkout.

Accept Link instant bank payments using the API

You can start accepting Link instant bank payments without making any integration changes. Bank payments display as type: card with brand: link. The following code sample shows how card details in the Payment Method appear for Link instant bank payments:

Note

brand: link cards display default values in place of card details. As with enabling any other new payment method type that might have different details available within the API, make sure that processes adjacent to these, such as support workflows or customer interactions, are prepared to handle brand: link cards.

The brand and network will be link
The last 4 will be 0000
The expiration date will be 12/2040
The funding will be unknown

{
  "id": "pm_1PHAnWGPmu5rZ8yVpduAX1Uo",
  "object": "payment_method",
  ...
  "card": {
    "brand": "link",
    "checks": {
      "address_line1_check": null,
      "address_postal_code_check": null,
      "cvc_check": null
    },
    "country": "US",
    "display_brand": "other",
    "exp_month": 12,
    "exp_year": 2040,
    "funding": "unknown",
    "generated_from": null,
    "last4": "0000",
    "networks": {
      "available": [
        "link"
      ],
      "preferred": null
    },
    "three_d_secure_usage": {
      "supported": false
    },
    "wallet": {
      "dynamic_last4": null,
      "link": {},
      "type": "link"
    }
  },
  ...
  "type": "card"
}

Existing cards traffic

Choosing to accept Link instant bank payments doesn’t impact your existing card transactions. After you opt in, you continue to see information like your customers’ last four digits, card brand, funding source, and other card details when your customers decide to pay with their cards using Link.