# Real-time payments Learn about real-time payments with Stripe. [Contact us](https://support.stripe.com/contact) for access to our exclusive payment method features, to request a new real-time payment method, or to participate in our UPI beta—a preferred payment method in India. Real-time payment methods let customers directly transfer money from their bank account or alternate funding source using an authenticating intermediary, like a phone number. Because this payment method type increases transaction speeds, it can improve conversion rates. Stripe supports real-time payments in Brazil, Singapore, Thailand, Sweden, and India. ## Payment process The real-time payment method process is as follows: 1. Stripe sends the customer an identifier that lists the payable amount. 1. The customer makes the payment through their application or third-party service. 1. The application or third-party service communicates with the customers bank to secure the funds. When a customer uses a real-time payment method, their statement lists the application or third-party service as the payment type. ## Product support | Payment method | [Connect](https://docs.stripe.com/connect.md) | [Checkout](https://docs.stripe.com/payments/checkout.md) | [Payment Links](https://docs.stripe.com/payment-links.md) | [Payment Element](https://docs.stripe.com/payments/payment-element.md) | [Express Checkout Element](https://docs.stripe.com/elements/express-checkout-element.md) | [Mobile Payment Element](https://docs.stripe.com/payments/mobile.md) | [Subscriptions](https://docs.stripe.com/subscriptions.md) | [Invoicing](https://docs.stripe.com/invoicing.md) | [Customer Portal](https://docs.stripe.com/customer-management.md) | [Terminal](https://docs.stripe.com/terminal.md) | | -------------------------------------------------------------- | --------------------------------------------- | -------------------------------------------------------- | --------------------------------------------------------- | ---------------------------------------------------------------------- | ---------------------------------------------------------------------------------------- | -------------------------------------------------------------------- | --------------------------------------------------------- | ------------------------------------------------- | ----------------------------------------------------------------- | ----------------------------------------------- | | [Pay by Bank](https://docs.stripe.com/payments/pay-by-bank.md) | ✓ Supported | ✓ Supported 1 | ✓ Supported | ✓ Supported | - Unsupported | - Unsupported | ✓ Supported 3 | ✓ Supported 3 | - Unsupported | - Unsupported | | [PayNow](https://docs.stripe.com/payments/paynow.md) | ✓ Supported | ✓ Supported 1,2 | ✓ Supported | ✓ Supported | - Unsupported | ✓ Supported | ✓ Supported 3 | ✓ Supported 3 | - Unsupported | ✓ Supported | | [PayTo](https://docs.stripe.com/payments/payto.md) | ✓ Supported | ✓ Supported | ✓ Supported | ✓ Supported | - Unsupported | - Unsupported | ✓ Supported | ✓ Supported | ✓ Supported | - Unsupported | | [PromptPay](https://docs.stripe.com/payments/promptpay.md) | ✓ Supported | ✓ Supported 1,2 | ✓ Supported | ✓ Supported | - Unsupported | ✓ Supported | ✓ Supported 3 | ✓ Supported 3 | - Unsupported | - Unsupported | | [Swish](https://docs.stripe.com/payments/swish.md) | ✓ Supported | ✓ Supported 1,2 | - Unsupported | ✓ Supported | - Unsupported | ✓ Supported | ✓ Supported 3 | - Unsupported | - Unsupported | - Unsupported | 1 Not supported when using Checkout in subscription mode.2 Not supported when using Checkout in setup mode.3 Invoices and Subscriptions only support the [send_invoice](https://docs.stripe.com/api/invoices/object.md#invoice_object-collection_method) collection method. ## API support | Payment method | API enum | [PaymentIntents](https://docs.stripe.com/payments/payment-intents.md) | [SetupIntents](https://docs.stripe.com/payments/setup-intents.md) | [Manual capture](https://docs.stripe.com/payments/place-a-hold-on-a-payment-method.md) | [Setup future usage](https://docs.stripe.com/payments/save-during-payment.md?platform=web&ui=elements)1 | Requires redirect2 | | -------------------------------------------------------------- | ------------- | --------------------------------------------------------------------- | ----------------------------------------------------------------- | -------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------- | ------------------ | | [Pay by Bank](https://docs.stripe.com/payments/pay-by-bank.md) | `pay_by_bank` | ✓ Supported | - Unsupported | - Unsupported | - Unsupported | Yes | | [PayNow](https://docs.stripe.com/payments/paynow.md) | `paynow` | ✓ Supported | - Unsupported | - Unsupported | - Unsupported | No | | [PayTo](https://docs.stripe.com/payments/payto.md) | `payto` | ✓ Supported | ✓ Supported | - Unsupported | ✓ Supported | No | | [PromptPay](https://docs.stripe.com/payments/promptpay.md) | `promptpay` | ✓ Supported | - Unsupported | - Unsupported | - Unsupported | No | | [Swish](https://docs.stripe.com/payments/swish.md) | `swish` | ✓ Supported | - Unsupported | - Unsupported | - Unsupported | Yes | 1 Cards and bank debit methods including SEPA debit, AU BECS direct debit, and ACSS debit support both `on_session` and `off_session` with [setup future usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage). All other payment method types either don’t support `setup_future_usage` or only support `off_session`.2 Payment methods might require confirmation with [return_url](https://docs.stripe.com/api/payment_intents/confirm.md#confirm_payment_intent-return_url) to indicate where Stripe should redirect your customer after they complete the payment.