Skip to content
Create account or Sign in
The Stripe Docs logo
/
Create accountSign in
OverviewUpgrade your integration
Online payments
OverviewFind your use caseUse Managed Payments
In-person payments
Payment methods
Payment scenarios
Beyond payments

Pay by Bank payments

Learn how to accept Pay by Bank payments.

Pay by Bank is a single use payment method where customers must authenticate their payment with their bank app or web portal. Pay by Bank redirects customers from your website, authorizes the payment, and returns them to your website. You get immediate notification on whether the payment succeeded or failed.

Caution

Stripe can automatically present the relevant payment methods to your customers by evaluating currency, payment method restrictions, and other parameters.

  • Follow the Accept a payment guide to build a Checkout integration that uses dynamic payment methods.
  • If you don’t want to use dynamic payment methods, follow the steps below to manually configure the payment methods in your Checkout integration.

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 pricing plans aren’t supported.

To join the private preview for France and Germany availability, see Pay by Bank payments.

Enable Pay by Bank as a payment method

This guides you through enabling Pay by Bank and shows the differences between accepting payments using dynamic payment methods and manually configuring payment methods.

To create a new Checkout Session:

  1. Add pay_by_bank to the list of payment_method_types.
  2. Make sure all your line_items use the gbp currency.
  3. Add a message in payment_method_options.pay_by_bank.statement_descriptor. This descriptor can be your business name or some other text to help your customer identify the transaction. Your customer’s bank statement includes this message.
Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/checkout/sessions \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "line_items[0][price_data][currency]"=gbp \
  -d "line_items[0][price_data][product_data][name]"=T-shirt \
  -d "line_items[0][price_data][unit_amount]"=2000 \
  -d "line_items[0][quantity]"=1 \
  -d mode=payment \
  -d "payment_method_options[pay_by_bank][statement_descriptor]"="Business name" \
  -d "payment_method_types[0]"=card \
  -d "payment_method_types[1]"=pay_by_bank \
  --data-urlencode success_url="https://example.com/success"

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.

  • Click Authorize test payment to test the case when the payment is successful.
  • Click Fail test payment to test the case when the customer fails to authenticate.

Handle refunds and disputes

The refund period for Pay by Bank is up to 730 days (2 years) after the original payment. A refund generally arrives by the next business day but can take up to 7 days to appear as successful. There is no dispute process, customers authenticate with their bank.

See also