# Payments

> Understanding payment methods, flows, and transaction lifecycle on VINR.

## Payment Methods

VINR supports a comprehensive range of payment methods across European markets:

### Cards

- Visa, Mastercard, Amex
- 3D Secure 2.0 authentication
- Tokenization for recurring payments

### Bank Transfers

- SEPA Direct Debit
- SEPA Credit Transfer
- Instant SEPA (SCT Inst)

### Local Methods

- iDEAL (Netherlands)
- Bancontact (Belgium)
- Giropay (Germany)
- Przelewy24 (Poland)

### Alternative

- Stablecoin payments (USDC, USDT)
- Open Banking (PSD2)

## Payment Lifecycle

```
Created → Processing → Completed
                    ↘ Failed
                    ↘ Expired
```

Every payment moves through a defined state machine. Subscribe to [webhooks](/docs/integration/webhooks) to track state changes in real-time.

## Guides

- [Payment Methods](/docs/payments/payment-methods) — Detailed method-specific guides
- [Refunds](/docs/payments/refunds) — Processing refunds
- [Recurring Payments](/docs/payments/recurring-payments) — Subscriptions and tokenization