# Source: https://docs.stripe.com/payments/real-time.md

# Real-time payments

Learn about real-time payments with Stripe.

[Contact us](https://support.stripe.com/contact) for access to our exclusive payment method features, to request a new real-time payment method, or to participate in our UPI beta—a preferred payment method in India.

Real-time payment methods let customers directly transfer money from their bank account or alternate funding source using an authenticating intermediary, like a phone number. Because this payment method type increases transaction speeds, it can improve conversion rates. Stripe supports real-time payments in Brazil, Singapore, Thailand, Sweden, and India.

## Payment process 

The real-time payment method process is as follows:

1. Stripe sends the customer an identifier that lists the payable amount.
1. The customer makes the payment through their application or third-party service.
1. The application or third-party service communicates with the customers bank to secure the funds.

When a customer uses a real-time payment method, their statement lists the application or third-party service as the payment type.

## Product support

| Payment method                                                 | [Connect](https://docs.stripe.com/connect.md) | [Checkout](https://docs.stripe.com/payments/checkout.md) | [Payment Links](https://docs.stripe.com/payment-links.md) | [Payment Element](https://docs.stripe.com/payments/payment-element.md) | [Express Checkout Element](https://docs.stripe.com/elements/express-checkout-element.md) | [Mobile Payment Element](https://docs.stripe.com/payments/mobile.md) | [Subscriptions](https://docs.stripe.com/subscriptions.md) | [Invoicing](https://docs.stripe.com/invoicing.md) | [Customer Portal](https://docs.stripe.com/customer-management.md) | [Terminal](https://docs.stripe.com/terminal.md) |
| -------------------------------------------------------------- | --------------------------------------------- | -------------------------------------------------------- | --------------------------------------------------------- | ---------------------------------------------------------------------- | ---------------------------------------------------------------------------------------- | -------------------------------------------------------------------- | --------------------------------------------------------- | ------------------------------------------------- | ----------------------------------------------------------------- | ----------------------------------------------- |
| [Pay by Bank](https://docs.stripe.com/payments/pay-by-bank.md) | ✓ Supported                                   | ✓ Supported 1                                            | ✓ Supported                                               | ✓ Supported                                                            | - Unsupported                                                                            | - Unsupported                                                        | ✓ Supported 3                                             | ✓ Supported 3                                     | - Unsupported                                                     | - Unsupported                                   |
| [PayNow](https://docs.stripe.com/payments/paynow.md)           | ✓ Supported                                   | ✓ Supported 1,2                                          | ✓ Supported                                               | ✓ Supported                                                            | - Unsupported                                                                            | ✓ Supported                                                          | ✓ Supported 3                                             | ✓ Supported 3                                     | - Unsupported                                                     | ✓ Supported                                     |
| [PayTo](https://docs.stripe.com/payments/payto.md)             | ✓ Supported                                   | ✓ Supported                                              | ✓ Supported                                               | ✓ Supported                                                            | - Unsupported                                                                            | - Unsupported                                                        | ✓ Supported                                               | ✓ Supported                                       | ✓ Supported                                                       | - Unsupported                                   |
| [PromptPay](https://docs.stripe.com/payments/promptpay.md)     | ✓ Supported                                   | ✓ Supported 1,2                                          | ✓ Supported                                               | ✓ Supported                                                            | - Unsupported                                                                            | ✓ Supported                                                          | ✓ Supported 3                                             | ✓ Supported 3                                     | - Unsupported                                                     | - Unsupported                                   |
| [Swish](https://docs.stripe.com/payments/swish.md)             | ✓ Supported                                   | ✓ Supported 1,2                                          | - Unsupported                                             | ✓ Supported                                                            | - Unsupported                                                                            | ✓ Supported                                                          | ✓ Supported 3                                             | - Unsupported                                     | - Unsupported                                                     | - Unsupported                                   |

1 Not supported when using Checkout in subscription mode.2 Not supported when using Checkout in setup mode.3 Invoices and Subscriptions only support the [send_invoice](https://docs.stripe.com/api/invoices/object.md#invoice_object-collection_method) collection method.

## API support

| Payment method                                                 | API enum      | [PaymentIntents](https://docs.stripe.com/payments/payment-intents.md) | [SetupIntents](https://docs.stripe.com/payments/setup-intents.md) | [Manual capture](https://docs.stripe.com/payments/place-a-hold-on-a-payment-method.md) | [Setup future usage](https://docs.stripe.com/payments/save-during-payment.md?platform=web&ui=elements)1 | Requires redirect2 |
| -------------------------------------------------------------- | ------------- | --------------------------------------------------------------------- | ----------------------------------------------------------------- | -------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------- | ------------------ |
| [Pay by Bank](https://docs.stripe.com/payments/pay-by-bank.md) | `pay_by_bank` | ✓ Supported                                                           | - Unsupported                                                     | - Unsupported                                                                          | - Unsupported                                                                                           | Yes                |
| [PayNow](https://docs.stripe.com/payments/paynow.md)           | `paynow`      | ✓ Supported                                                           | - Unsupported                                                     | - Unsupported                                                                          | - Unsupported                                                                                           | No                 |
| [PayTo](https://docs.stripe.com/payments/payto.md)             | `payto`       | ✓ Supported                                                           | ✓ Supported                                                       | - Unsupported                                                                          | ✓ Supported                                                                                             | No                 |
| [PromptPay](https://docs.stripe.com/payments/promptpay.md)     | `promptpay`   | ✓ Supported                                                           | - Unsupported                                                     | - Unsupported                                                                          | - Unsupported                                                                                           | No                 |
| [Swish](https://docs.stripe.com/payments/swish.md)             | `swish`       | ✓ Supported                                                           | - Unsupported                                                     | - Unsupported                                                                          | - Unsupported                                                                                           | Yes                |

1 Cards and bank debit methods including SEPA debit, AU BECS direct debit, and ACSS debit support both `on_session` and `off_session` with [setup future usage](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-setup_future_usage). All other payment method types either don’t support `setup_future_usage` or only support `off_session`.2 Payment methods might require confirmation with [return_url](https://docs.stripe.com/api/payment_intents/confirm.md#confirm_payment_intent-return_url) to indicate where Stripe should redirect your customer after they complete the payment.