By default, customers can pay invoices with any of the payment methods that you’ve enabled in your Invoice template settings. To enable payment methods, you need to activate them in your Payment method settings.
In some situations, there might be restrictions that prevent payment methods from being used for an invoice. For instance, a payment method might only operate in one currency, or have limitations on the amount that can be paid. Stripe doesn’t automatically select a payment method when these limitations prevent it from being used.
Supported payment methods
Stripe Invoicing only supports the following payment methods:
- Alipay—Alipay is a digital wallet in China that has more than a billion active users worldwide. Alipay users can pay on the web or on a mobile device using login credentials or their Alipay app.
- ACH bank transfer—Stripe users in the United States can receive ACH Credit Transfers directly from customers using Sources.
- Bancontact—Bancontact is the most popular online payment method in Belgium, with over 15 million cards in circulation. Customers use a Bancontact card or mobile app linked to a Belgian bank account to make online payments that are secure, guaranteed, and confirmed immediately.
- BECS Direct Debit in Australia—Stripe users in Australia can accept BECS Direct Debit payments from customers with an Australian bank account.
- Cards—Cards are one of the most popular ways to pay online, with broad global reach. There are different types of cards and several steps in the process.
- Checks—Stripe users in the United States can receive checks directly from customers by using the Sources API—a single integration path for creating payments with any supported method.
- EPS—EPS is an Austria-based payment method that allows customers to complete transactions online using their bank credentials.
- Financial Process Exchange (FPX)—a Malaysia-based payment method that allows customers to complete transactions online using their bank credentials.
- giropay—giropay is a German payment method based on online banking, introduced in 2006. It allows customers to complete transactions online using their online banking environment, with funds debited from their bank account.
- iDEAL—iDEAL is a Netherlands-based payment method that allows customers to complete transactions online using their bank credentials.
- JP bank transfer (beta)—Bank transfers let customers send money to you directly from their bank account.
- Konbini (beta)—Konbini allows customers in Japan to pay for bills and online purchases at convenience stores with cash.
- Pre-authorized payment method (PAD)–Stripe users in Canada and the United States can accept pre-authorized debit payments (PADs) from customers with a Canadian bank account using the Automated Clearing Settlement System (ACSS)
- Przelewy24—a Poland-based payment method aggregator that allows customers to complete transactions online using bank transfers and other methods. Bank transfers account for 80-90% of online payments in Poland and Przelewy24 provides a way for customers to pay with over 165 banks.
- SEPA direct debit–The Single Euro Payments Area (SEPA) is an initiative of the European Union to simplify payments within and across member countries. They established and enforced banking standards to allow for the direct debiting of every EUR-denominated bank account within the SEPA region.
- Sofort—Stripe users in Europe and the United States can use the Payment Intents API to accept Sofort payments from customers in select countries.
Work with the API
Select payment methods
You can override the payment methods that can be used to pay an invoice by changing its payment settings. If you configured a default payment method on either the Customer or the Subscription object associated with the invoice, be sure to include it in the list of
payment_method_types. Otherwise, the payment will fail.
Payment method errors
Payment method errors can prevent an invoice from being finalized. This can happen when:
- Stripe attempts to automatically select payment methods, but all of the payment methods have restrictions that prevent them from being used (this often happens when only one or two payment methods are enabled).
- You manually select a payment method but a restriction prevents it from being used.
In these cases, Stripe can’t finalize the invoice and sends an
invoice.finalization_failed webhook to notify you of the problem. Look at the last finalization error for the invoice to view the error. To finalize the invoice and complete the payment, change the payment_settings for the invoice so that it has at least one valid payment method.
Payment method options
Some payment methods have additional options that you can set to customize the payment experience. See payment_method_options for details.
An invoice is considered overdue when its due date has passed and the invoice hasn’t been paid. Stripe normally continues to remind your customer to pay the invoice even after the due date. However, by modifying your Automatic collection settings, you can disable automatic collection on the invoice when it becomes past due.