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Beyond payments

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:

  1. Stripe sends the customer an identifier that lists the payable amount.
  2. The customer makes the payment through their application or third-party service.
  3. 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 methodConnectCheckoutPayment LinksPayment ElementExpress Checkout ElementMobile Payment ElementSubscriptionsInvoicingCustomer PortalTerminal
Pay by Bank 1 3 3
PayNow 1,2 3 3
PayTo
PromptPay 1,2 3 3
UPI
Swish 1,2 3

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 collection method.

API support

Payment methodAPI enumPaymentIntentsSetupIntentsManual captureSetup future usage1Requires redirect2
Pay by Bankpay_by_bankYes
PayNowpaynowNo
PayTopaytoNo
PromptPaypromptpayNo
UPIupiYes
SwishswishYes

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.