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Pay by Bank paymentsInvite only

Learn how to accept Pay by Bank payments.

Caution

Stripe automatically presents your customers payment method options by evaluating their currency, payment method restrictions, and other parameters. We recommend that you configure your payment methods from the Stripe Dashboard using the instructions in Accept a payment.

If you want to continue manually configuring the payment methods you present to your customers with Checkout, use this guide. Otherwise, update your integration to configure payment methods in the Dashboard.

Pay by bank is a single use payment method where customers must authenticate their payment. Pay by Bank redirects customers from your website, authorizes the payment, and returns them to your website. You receive notification of whether a payment succeeded or failed within seconds.

Note

Pay by Bank is a delayed notification payment method, which means that funds are not immediately available after payment. A payment typically takes 5 seconds to arrive in your account.

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 plans are not supported.
  • The total value of the transaction must be between 0.50 GBP and 10,000 GBP, inclusively.

Pay by bank is on our roadmap for Germany in 2025. You can register your interest in pay by bank in Germany in the form below.

Accept a payment

Note

This guide builds on the foundational accept a payment Checkout integration.

Use this guide to learn how to enable pay by bank—it shows the differences between accepting a card payment and using pay by bank.

Enable pay by bank as a payment method

To create a new Checkout Session:

  1. Add pay_by_bank to the list of payment_method_types
  2. Add the necessary payment method options fields for pay_by_bank
  3. Make sure all your line_items use the gbp currency
Command Line
curl https://api.stripe.com/v1/checkout/sessions \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc
: \
  -d "mode"="payment" \
  -d "payment_method_types[]"="card" \
  -d "payment_method_types[]"="pay_by_bank" \
  -d "payment_method_options[pay_by_bank][country]"="gb" \
  -d "payment_method_options[pay_by_bank][locale]"="en-gb" \
  -d "payment_method_options[pay_by_bank][statement_descriptor]"="merchant name" \
  -d "line_items[0][price_data][currency]"="gbp" \
  -d "line_items[0][price_data][unit_amount]"=2000 \
  -d "line_items[0][price_data][product_data][name]"="Blue bananas" \
  -d "line_items[0][quantity]"=1 \
  -d "success_url"="https://example.com/success" \
  -d "cancel_url"="https://example.com/cancel"

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.

Handle refunds and disputes

The refund period for pay by bank is up to 730 days (2 years) after the original payment.

There is no dispute process—customers authenticate with their bank.

See also

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