# Local methods

> Region-specific payment methods — iDEAL, Blik, Bancontact, EPS, Przelewy24, and Twint.

Local methods are region-specific ways to pay that customers trust over cards in their home market. Most work as bank-redirect or app-confirmation flows: the customer approves the charge in their own banking app or bank portal, which means high conversion and, for all supported methods, payments that are final the moment they confirm — no chargeback path.

## Supported methods

| Method                                                                                    | Region      | Currency | Flow                       |
| ----------------------------------------------------------------------------------------- | ----------- | -------- | -------------------------- |
| [iDEAL](/docs/payments/payment-methods/add-payment-methods/local-methods/ideal)           | Netherlands | EUR      | Bank redirect              |
| [Blik](/docs/payments/payment-methods/add-payment-methods/local-methods/blik)             | Poland      | PLN      | 6-digit code / app         |
| [Bancontact](/docs/payments/payment-methods/add-payment-methods/local-methods/bancontact) | Belgium     | EUR      | Bank redirect / QR app     |
| [EPS](/docs/payments/payment-methods/add-payment-methods/local-methods/eps)               | Austria     | EUR      | Bank redirect              |
| [Przelewy24](/docs/payments/payment-methods/add-payment-methods/local-methods/przelewy24) | Poland      | PLN, EUR | Bank redirect (aggregator) |
| [Twint](/docs/payments/payment-methods/add-payment-methods/local-methods/twint)           | Switzerland | CHF      | QR code / app redirect     |

## How the flow works

A local-method payment uses the same `payment` object as any other rail but always involves a redirect or app handoff:

### Create the payment

Create a `pending` payment scoped to one or more local methods and receive a `checkoutUrl`.

### Customer authenticates with their bank

The customer is redirected to (or confirms in) their bank or banking app. For Blik they enter a 6-digit code generated in-app; for Twint they scan a QR code.

### Bank confirms and redirects back

On approval the bank pushes the customer to your `returnUrl`. The payment moves to `completed`. Most local methods are **final** at this point with no chargeback path.

### Fulfill on the webhook

Treat `payment.completed` — not the browser redirect — as the source of truth before releasing goods.

## Passing multiple methods or 'auto'

You can restrict to a specific method or pass `'auto'` to let VINR surface the right method based on the customer's region and the payment currency:

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

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

// Let VINR pick the right local method automatically
const payment = await vinr.payments.create({
  amount: 2500,
  currency: 'EUR',
  description: 'Order #4471',
  methods: ['auto'],
  returnUrl: 'https://yoursite.com/payment/complete',
});

// Or specify the methods you want to offer
const payment2 = await vinr.payments.create({
  amount: 2500,
  currency: 'EUR',
  methods: ['ideal', 'bancontact', 'eps'],
  returnUrl: 'https://yoursite.com/payment/complete',
});
```

> Local methods are single-currency: a customer paying with iDEAL must be charged in EUR, Blik in PLN. If you pass `methods: ['auto']`, VINR only surfaces methods that match the payment currency and the customer's detected region.

## Settlement & refunds

All local methods capture in full at confirmation. Funds land in your [balance](/docs/operations/balances) immediately and follow your [settlement](/docs/operations/settlement) schedule. Refunds are supported via the standard refund API and are returned to the customer's originating bank account within a few business days.

## Method pages

[iDEAL](/docs/payments/payment-methods/add-payment-methods/local-methods/ideal) — Bank redirect for Dutch customers. EUR only.

[Blik](/docs/payments/payment-methods/add-payment-methods/local-methods/blik) — 6-digit code or app push for Polish customers. PLN only.

[Bancontact](/docs/payments/payment-methods/add-payment-methods/local-methods/bancontact) — Bank redirect or QR app for Belgian customers. EUR only.

[EPS](/docs/payments/payment-methods/add-payment-methods/local-methods/eps) — Austria's national bank-redirect scheme. EUR only.

[Przelewy24](/docs/payments/payment-methods/add-payment-methods/local-methods/przelewy24) — 150+ Polish banks in one redirect. PLN and EUR.

[Twint](/docs/payments/payment-methods/add-payment-methods/local-methods/twint) — QR code or app redirect for Swiss customers. CHF only.