Real-time payments

Learn about real-time payments with Stripe.

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:

Stripe sends the customer an identifier that lists the payable amount.
The customer makes the payment through their application or third-party service.
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	Checkout	Mobile Payment Element	Subscriptions	Invoicing
Pay by Bank	¹
PayNow	^1,2	³	⁴	⁴
PromptPay	^1,2	³	⁴	⁴
Swish	^1,2

¹ Not supported when using Checkout in subscription mode.
² Not supported when using Checkout in setup mode.
³ Only supported on iOS.
⁴ Invoices and Subscriptions only support the send_invoice collection method.

API support

Payment method	API enum	Requires redirect²
Pay by Bank	`pay_by_bank`	Yes
PayNow	`paynow`	No
PromptPay	`promptpay`	No
Swish	`swish`	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. 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 to indicate where Stripe should redirect your customer after they complete the payment.