Pay by Bank payments

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.

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.

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

curl https://api.stripe.com/v1/checkout/sessions \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "mode"="payment" \
  -d "payment_method_types[]"="card" \
  -d "payment_method_types[]"="pay_by_bank" \
  -d "statement_descriptor"="Business 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.

To test your Checkout integration, select Pay by Bank as the payment method and click the Pay button.

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.