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 Ask

Method	Region	Currency	Flow
iDEAL	Netherlands	EUR	Bank redirect
Blik	Poland	PLN	6-digit code / app
Bancontact	Belgium	EUR	Bank redirect / QR app
EPS	Austria	EUR	Bank redirect
Przelewy24	Poland	PLN, EUR	Bank redirect (aggregator)
Twint	Switzerland	CHF	QR code / app redirect

How the flow works Ask

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'Ask

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:

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 Ask

All local methods capture in full at confirmation. Funds land in your balance immediately and follow your 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.