Payment method configurations

By default, you have one payment method configuration called Default Config. You can create additional payment method configurations using both the Stripe Dashboard and the API.

Dashboard

API

1. In your Dashboard, go to Payment methods settings.
2. In the Payment configurations section, click the overflow menu () > Create a configuration.
3. Give your new configuration a name.
4. Click Save configuration.

The page displays your new configuration. All payment methods are initially disabled by default.

To switch between configurations, use the Select configuration dropdown near the top of the page.

To make sure that the payment method configuration you want to enable is set to active in the Dashboard:

1. Go to your Payment methods settings.
2. Click a payment method in the Payment configurations section, then click the overflow menu () > Manage configuration.
3. Under Configuration status, enable the Active option.
4. Click Save changes to apply your updates.

In the Dashboard, open the configuration and turn on the payment methods that you want to make available to buyers when using that configuration. A buyer sees only payment methods that are turned on and compatible with the payment location and currency.

Copy the configuration ID in the Dashboard from the configuration you want to use in your checkout flow.

If you’re using the deferred intent creation integration path, pass the payment_method_configuration ID when you create your Payment Element component. The Payment Element automatically pulls the payment methods associated with that configuration and ranks them to best convert buyers.

const options = {
   mode: 'payment',
   amount: 1099,
   currency: 'usd',
   payment_method_configuration: 'pmc_234'
}

If you aren’t using a Payment Element, pass the payment_method_configuration ID when you create a Checkout session.

curl https://api.stripe.com/v1/checkout/sessions \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d mode=payment \
  -d "line_items[0][price]"=
"{{PRICE_ID}}" \
  -d "line_items[0][quantity]"=1 \
  --data-urlencode success_url="https://example.com/success" \
  --data-urlencode cancel_url="https://example.com/cancel" \
  -d currency=usd \
  -d payment_method_configuration=pmc_234

Payment methods

By default, Stripe enables cards and other common payment methods. You can turn individual payment methods on or off in the Stripe Dashboard. In Checkout, Stripe evaluates the currency and any restrictions, then dynamically presents the supported payment methods to the customer.

To see how your payment methods appear to customers, enter a transaction ID or set an order amount and currency in the Dashboard.

You can enable Apple Pay and Google Pay in your payment methods settings. By default, Apple Pay is enabled and Google Pay is disabled. However, in some cases Stripe filters them out even when they’re enabled. We filter Google Pay if you enable automatic tax without collecting a shipping address.

Checkout’s Stripe-hosted pages don’t need integration changes to enable Apple Pay or Google Pay. Stripe handles these payments the same way as other card payments.

Create a PaymentIntent on your server using the payment method configuration.

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=1000 \
  -d currency=usd \
  -d "automatic_payment_methods[enabled]"=true \
  -d payment_method_configuration=pmc_123

In the latest version of the API, the automatic_payment_methods parameter is optional because it’s enabled by default.

While you can manage payment methods on a per payment method configuration basis, you can also exclude specific payment methods on a per-transaction basis using the excluded_payment_method_types parameter when using PaymentIntents, Checkout, or PaymentElement.

Make multiple payment method configurations when:

• You need to manage payment methods for broader categories of transactions. For example, you might want to configure different sets of payment methods for one-time purchases versus subscriptions. Use this approach when you want to establish consistent payment method offerings across similar transaction types.

Use excluded_payment_method_types when:

• You require more control over payment method combinations that would be impractical to implement with multiple payment method configurations.
• You want to control which payment methods you present. For example, you might want to exclude certain payment methods based on which items are included in the transaction.

You can use the excluded_payment_methods_types parameter together with payment method configurations to control the availability of payment methods.

Learn more about how to exclude payment methods.