Payment methods
Bank payments and local payment methods for online stores
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Outside the card networks, shoppers in many countries pay straight from their bank: by redirect (iDEAL, Bancontact, EPS), real-time transfer (Pix, UPI, PayNow), direct debit (SEPA, ACH, Bacs) or a cash voucher (OXXO, Konbini, Boleto). Most confirm instantly and cannot be charged back; debits and vouchers take days. PlatformDTC checkout offers none of these today. It takes cards, Apple Pay, Google Pay, PayPal in 22 currencies, and Klarna and Afterpay on one-time orders.
| Method | In short |
|---|---|
| iDEAL | Dutch bank payment, now branded iDEAL | Wero; moving onto Wero by the end of 2027. |
| Wero | European bank-account wallet from EPI, the successor to iDEAL; shoppers approve in the Wero app. |
| Bancontact | Belgium's bank card and app payment; shoppers approve with their Bancontact card or app. |
| BLIK | Poland's 6-digit bank-app code: the shopper types the code, then approves in their banking app. |
| EPS | Austria's online bank transfer: shoppers sign in to their own bank and approve the payment. |
| Przelewy24 | Polish payment aggregator: shoppers pick their bank and pay by online bank transfer. |
| Trustly | Pay-by-bank provider: shoppers approve a payment from their bank account in their bank app. |
| Pay by Bank | Open-banking payment: the shopper picks their bank and approves the payment in its app. |
| Sofort | Former German bank-transfer method; Stripe discontinued it on 31 March 2025. |
| SEPA Direct Debit | Euro bank debit across the EU: the shopper gives an IBAN and signs a mandate; you collect later. |
| ACH Direct Debit | US bank-account debit through the ACH network; up to 4 business days to confirm. |
| Bacs Direct Debit | UK bank debit under the Direct Debit Guarantee; 4–7 business days to confirm. |
| PayTo | Australian real-time bank payment: the shopper approves a PayTo agreement in their banking app. |
| FPX | Malaysia's online banking payment run by PayNet; shoppers pick their bank and approve. |
| PayNow | Singapore's instant bank transfer; shoppers scan a PayNow QR code in their bank or wallet app. |
| PromptPay | Thailand's QR bank payment: shoppers scan a PromptPay QR code with their Thai banking app. |
| UPI | India's real-time bank payment: shoppers approve in a UPI app by QR code or app switch. |
| Pix | Brazil's instant payment from the Central Bank: shoppers scan a QR code or paste a Pix code. |
| Boleto | Brazilian payment slip: the shopper gets a voucher and pays it at a bank, ATM or online banking. |
| OXXO | Mexican cash payment: the shopper takes a voucher to any OXXO convenience store and pays in cash. |
| Konbini | Japanese cash payment at convenience stores (FamilyMart, Lawson, Ministop, Seicomart). |
| Multibanco | Portuguese payment reference: the shopper pays an entity and reference number by ATM or online banking. |
| MB WAY | Portuguese phone wallet: the shopper enters their phone number and approves in the MB WAY app. |
| TWINT | Switzerland's mobile payment app: shoppers scan a QR code or switch to their TWINT app to approve. |
| Swish | Sweden's mobile payment: the shopper approves in the Swish app with BankID. |
| MobilePay | Danish and Finnish card wallet from Vipps MobilePay; shoppers approve in the MobilePay app. |
| Vipps | Norway's card wallet from Vipps MobilePay; shoppers approve a push notification in the Vipps app. |
Every method at a glance
Confirmation is how soon you know the money is yours. Disputes means whether the shopper's bank can pull the money back after the sale. Facts come from Stripe's documentation for each method, read on 31 October 2026.
| Method | Country | Type | Confirmation | Recurring | Disputes |
|---|---|---|---|---|---|
| iDEAL | Wero | Netherlands | Bank redirect | Instant | Via SEPA Direct Debit | No |
| Wero | BE, DE, FR, LU, NL | Bank wallet | Instant | No | No |
| Bancontact | Belgium | Bank redirect | Instant | No | No |
| BLIK | Poland | Bank-app code | Instant | Yes | Yes |
| EPS | Austria | Bank redirect | Instant | No | No |
| Przelewy24 | Poland | Bank redirect | Instant | No | No |
| Pay by Bank | UK, Ireland, Finland | Open banking | Instant | Preview | No |
| SEPA Direct Debit | EU | Direct debit | About 6 business days | Yes | Yes, 8 weeks no questions |
| ACH Direct Debit | United States | Direct debit | Up to 4 business days | Yes | Yes, 60 days |
| Bacs Direct Debit | United Kingdom | Direct debit | 4–7 business days | Yes | Yes, no time limit |
| PayTo | Australia | Real-time bank | Within about 60 seconds | Yes | Yes |
| FPX | Malaysia | Bank redirect | Instant | No | No |
| PayNow | Singapore | QR bank transfer | Instant | No | No |
| PromptPay | Thailand | QR bank transfer | Instant | No | No |
| UPI | India | Real-time bank | Instant | Yes (AutoPay) | Yes |
| Pix | Brazil | Real-time bank | Instant | Yes (Pix Automático) | Limited |
| Boleto | Brazil | Voucher | Next business day | Yes | No |
| OXXO | Mexico | Cash voucher | Next business day | No | No |
| Konbini | Japan | Cash voucher | After store payment | No | No |
| Multibanco | Portugal | Voucher | Can take days | No | No |
| MB WAY | Portugal | Phone wallet | Instant | No | Yes |
| TWINT | Switzerland | Mobile wallet | Instant | Yes | Yes |
| Swish | Sweden | Mobile payment | Instant | No | No |
| MobilePay | Denmark, Finland | Card wallet | Instant | No | Yes, as cards |
| Vipps | Norway | Card wallet | Instant | No | Yes, as cards |
What bank payments mean for a store owner
Shopper-approved bank payments (redirects, real-time transfers, QR codes) usually confirm in seconds and have no chargebacks, because the shopper signs in to their own bank. The trade-off is that refunds go out as a new bank credit, often with a deadline of 90 to 730 days, and most of these methods cannot charge a subscription renewal.
Direct debits are the opposite: built for renewals, but slow to confirm and easy for the customer to reverse. Cash vouchers reach shoppers without cards, but orders wait until the shopper pays, and OXXO and Boleto cannot be refunded through Stripe.
What PlatformDTC checkout offers instead
PlatformDTC checkout takes cards on every store, with Apple Pay and Google Pay at the top of checkout. PayPal shows when the order is in one of the 22 currencies PlatformDTC's PayPal button charges in. Cards, wallets and PayPal can all pay subscription renewals.
Klarna is on by default for one-time orders from shoppers in 23 countries across Europe, North America and Oceania, and Afterpay (Clearpay in the UK) covers domestic one-time orders in Australia, Canada, New Zealand, the UK and the US. Neither appears on subscription carts. Bank redirects, direct debits and cash vouchers are not offered today.
Frequently asked questions
- Which local payment methods does PlatformDTC checkout support?
- None of the bank redirects, direct debits or cash vouchers on this page today. PlatformDTC checkout takes cards, Apple Pay, Google Pay, PayPal in 22 currencies, and Klarna and Afterpay on eligible one-time orders.
- Why do most bank payments have no chargebacks?
- The shopper signs in to their own bank to approve the payment, so fraud risk is low and the methods have no dispute process. Exceptions include BLIK, MB WAY, TWINT, PayTo, UPI, limited Pix cases, the direct debits, and the card wallets MobilePay and Vipps.
- Which of these methods can pay for a subscription?
- On Stripe: SEPA, ACH and Bacs Direct Debit, PayTo, BLIK (up to 2,000 PLN per charge), TWINT, UPI AutoPay, Pix Automático for sellers outside Brazil, and Boleto. iDEAL renewals run through SEPA Direct Debit.
- Is Sofort still available?
- No. Stripe discontinued Sofort on 31 March 2025 and recommends Klarna's pay in full option as the closest replacement.
Sources
- Payment methods overview — Stripe
- Payment method support — Stripe
- iDEAL to Wero migration — Stripe
- Remove and replace SOFORT in your integration — Stripe