# Add payment methods

> Enable and configure payment methods for your VINR integration.

VINR supports a wide range of payment methods out of the box. Which methods you offer — and how you configure them — directly affects conversion across different markets and customer segments.

## Payment method categories

| Category           | Examples                    | Regions    | Settlement       |
| ------------------ | --------------------------- | ---------- | ---------------- |
| Cards              | Visa, Mastercard, Amex      | Global     | Instant auth     |
| Bank debits        | ACH, SEPA Direct Debit      | US, EU     | 1–5 days         |
| Bank redirects     | iDEAL, Bancontact, Sofort   | EU         | Near-instant     |
| Bank transfers     | Wire, BACS                  | Global     | 1–5 days         |
| BNPL               | Klarna, Afterpay, Affirm    | US, EU, AU | Instant auth     |
| Real-time payments | Pix, UPI, Faster Payments   | BR, IN, UK | Instant          |
| Vouchers           | Boleto, OXXO                | BR, MX     | Async (1–3 days) |
| Wallets            | Apple Pay, Google Pay, Link | Global     | Instant          |

## Dynamic payment methods

The recommended approach. VINR automatically selects the right methods for each customer's locale, currency, and device. Any new methods you enable in the Dashboard appear without code changes.

```ts
import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const payment = await vinr.payments.create({
  amount: 4900,
  currency: 'EUR',
  automaticPaymentMethods: { enabled: true },
});
```

## Static method list

Set `paymentMethodTypes` explicitly when you need a fixed set — for example, cards only on a B2B invoice form where local redirect methods would be confusing.

```ts
import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const payment = await vinr.payments.create({
  amount: 4900,
  currency: 'EUR',
  paymentMethodTypes: ['card'],
});
```

Use dynamic methods for consumer flows unless you have a specific reason to restrict the list — you get locale-appropriate methods without maintaining the array yourself.

## Enabling methods in the Dashboard

Go to **Settings → Payment methods** and toggle on any method you want to offer. Some methods require extra setup before they go live:

- **ACH Direct Debit** — link a bank account for payouts and accept the ACH agreement.
- **SEPA Direct Debit** — complete EU creditor registration.
- **BNPL providers** — each provider runs its own onboarding; VINR surfaces the approval flow inline.

Toggles take effect immediately. Newly enabled methods appear in dynamic-method flows without a code deploy.

> Dynamic methods only surface methods that are both enabled in your Dashboard settings and available in the customer's country. Enabling a method globally does not mean every customer sees it — eligibility is evaluated per transaction.

## In this section

[Manage default payment methods](/docs/payments/payment-methods/add-payment-methods/manage-default-payment-methods) — Upgrade your API to manage payment methods from the Dashboard by default.

[Cards](/docs/payments/payment-methods/add-payment-methods/cards) — Visa, Mastercard, Amex, and co-badged cards — the global default rail.

[Wallets](/docs/payments/payment-methods/add-payment-methods/wallets) — Apple Pay, Google Pay, and Revolut Pay.

[Instalments](/docs/payments/payment-methods/add-payment-methods/instalments) — Mastercard Installments and VINR-managed flexible instalment plans.

[Meal Vouchers](/docs/payments/payment-methods/add-payment-methods/meal-vouchers) — Edenred, Sodexo, and other meal voucher providers.

[Bank Transfers](/docs/payments/payment-methods/add-payment-methods/bank-transfers) — SEPA Credit Transfer, Faster Payments, and other push-payment rails.

[Local Methods](/docs/payments/payment-methods/add-payment-methods/local-methods) — iDEAL, BLIK, Bancontact, EPS, Przelewy24, and TWINT.

[Stablecoins](/docs/payments/payment-methods/add-payment-methods/stablecoins) — USDC and EURC — final settlement with no FX spread.