# Payment methods (/payment-methods)
Discover how PayPal’s alternative payment methods empower global customers to pay using local options like iDEAL and Bancontact.
With payment methods, customers across the globe can pay with their bank accounts, wallets, and other local payment methods. For example, a customer in the Netherlands might want to pay using iDEAL, which is used by more than half of consumers in the Netherlands for online purchases, whereas a customer in Belgium on the same website might want to pay using Bancontact, a popular payment method there.
Integrate payment methods so you can:
* Present the payment methods that you want to offer.
* Customize the experience for collecting buyer information.
* Get your buyers, paying through an payment method, checked out in as few steps as possible.
> **Info:** **Note:** Inform your payers that PayPal is processing the payment by implementing one of the following options:
>
> 1. Include the following text and a link to the PayPal privacy notice at checkout: "By paying with your card, you acknowledge that your data will be processed by PayPal subject to the PayPal Privacy Statement available at PayPal.com."
> 2. Include the following language in your privacy notice, which must be shown before payment: "We use PayPal for payments and other services. If you wish to use one of these services and pay on our website, PayPal may collect the personal data you provide, such as payment and other identifying information. PayPal uses this information to operate and improve the services it provides to us and others, including for fraud detection, harm and loss prevention, authentication, analytics related to the performance of its services, and to comply with applicable legal requirements. The processing of this information will be subject to the PayPal Privacy Statement available at PayPal.com."
## Payment category [#payment-category]
Paypal supports the following types of APM:
| Payment type | Description |
| ---------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Bank redirect | Payers use their bank account to pay online. PayPal redirects the payer to their bank's website or mobile app during checkout to securely complete the payment. |
| Direct banking | Payers transfer money over traditional banking rails. Transfers can take seconds or several business days, depending on the interbank payment system. |
| Voucher | Payers complete online payments at authorized in-person locations, such as convenience stores or ATMs. Payers receive a voucher at checkout that they take to a participating location to complete the payment. |
| Digital wallets | Payers complete online payments using an app on their mobile device. Most digital wallets use biometrics to authenticate payments online, which increases conversion rates and reduces fraud. |
| Deferred payment | Payers defer the payment for their order. This form of payment is also called Buy Now, Pay Later. Merchants are paid upfront and the payer pays in full or by installments at a later date. |
## Payment method behaviors [#payment-method-behaviors]
Each APM is defined by the following list of behavioral characteristics:
### Payment type [#payment-type]
* **Push payment:** The payer sends money to a payee.
* **Pull payment:** The payer authorizes the payee to debit funds from the payer's account.
#### Examples [#examples]
* **Bank transfers** are a type of push payment. The payer gives explicit instructions to their bank, such as the amount and destination of the payment.
* **Direct debits** are a type of pull payment. The payee asks their bank to pull an amount from the payer's bank account. In this instance, the payee controls the amount and destination, rather than the payer.
### Funds availability [#funds-availability]
* **Instant availability:** A near-immediate or immediate transfer of funds between payer and payee.
* **Delayed availability:** The movement of funds is delayed between payment initiation and completion.
#### Examples [#examples-1]
* **Bank transfers** in some countries have an instant payment infrastructure that supports near real-time transfers. Examples include Faster Payment Service (FPS) in the UK, and SEPA Instant Credit Transfers in the EU.
* **Voucher**-based payments are non-instant. The funds are available immediately, but the transaction is not instant because the payer uses the voucher later. For example, payers who pay with Boleto receive a voucher online, and complete the payment offline by scanning the voucher and paying in-person at an authorized location, such as a convenience store or an ATM.
### Payer flow [#payer-flow]
* **Direct:** The payer chooses a payment method during checkout on the seller's checkout page.
* **Actions**
* **Redirect:** The payment flow redirects the payer from the seller's checkout page to the payment method's own experience to confirm the payment.
* **Offline:** The payer needs to complete an additional action, such as paying offline or scanning a QR code.
#### Examples [#examples-2]
* **Redirect**-based payment methods like iDEAL redirect the payer to the native online banking environment of their own bank to log in and approve the payment. The payer returns to the seller's checkout page after approving the payment.
* Automated clearing house (ACH) transfers are a **direct** payment method that a payer can use during checkout. The payer stays on the same checkout page for the full journey to complete the payment.
* Boleto is an **offline** payment method that requires the payer to pay for a voucher at an authorized location.
> **Note:** **Important:** Instant and delayed funds availability are payment method behaviors. Instant and delayed disbursements help multiparty partners [hold funds before disbursing to sellers](/platforms/checkout/delayed-disbursement/), but aren't payment method behaviors.
## Available payment methods [#available-payment-methods]
| Payment method | Payment type | Payment flow | Countries | Seller country | Currencies | Minimum amount | Refunds |
| -------------------------------------- | ------------------------------------------------- | ------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------- | -------------- | --------------- |
| American Express | credit card | N/A | [PayPal Checkout](https://www.paypal.com/us/webapps/mpp/country-worldwide) country support,
[Expanded Checkout](/expanded/eligibility) country support | N/A | N/A | N/A | Yes |
| [Apple Pay](/v5/apple-pay/integrate) | push | direct | [Country list](/v5/apple-pay/integrate#supported-countries-and-currencies) | N/A | [Currency list](/v5/apple-pay/integrate#supported-countries-and-currencies) | 1 `USD` | Up to 180 days |
| [Bancontact](/bancontact) | bank redirect | redirect | `BE` | N/A | `EUR` | 1 `EUR` | Within 180 days |
| [BLIK](/blik) | bank redirect | redirect | `PL` | N/A | `PLN` | 1 `PLN` | Within 180 days |
| Discover | credit card | N/A | [PayPal Checkout](https://www.paypal.com/us/webapps/mpp/country-worldwide) country support,
[Expanded Checkout](/expanded/eligibility) country support | N/A | N/A | N/A | Yes |
| [eps](/eps) | bank redirect | redirect | `AT` | N/A | `EUR` | 1 `EUR` | Within 180 days |
| [Google Pay](/v5/google-pay/integrate) | push | direct | [Country list](/v5/google-pay/integrate#supported-countries-and-currencies) | N/A | [Currency list](/v5/google-pay/integrate#supported-countries-and-currencies) | 1 `USD` | Up to 180 days |
| [iDEAL](/ideal) | bank redirect | redirect | `NL` | N/A | `EUR` | 0.01 `EUR` | Within 180 days |
| Mastercard | credit card | N/A | [PayPal Checkout](https://www.paypal.com/us/webapps/mpp/country-worldwide) country support,
[Expanded Checkout](/expanded/eligibility) country support | N/A | N/A | N/A | Yes |
| [Multibanco](/multibanco) | voucher | redirect | `PT` | N/A | `EUR` | N/A | N/A |
| [MyBank](/mybank) | bank redirect | redirect | `IT` | N/A | `EUR` | N/A | Within 180 days |
| [Pay Later](/pay-later/overview) | loan | N/A | `AU`
`FR`
`DE`
`IT`
`ES`
`GB`
`US` | N/A | N/A | N/A | Yes |
| [Pay upon Invoice](/ratepay) | deferred payment | direct | `DE` | N/A | `EUR` | 5 `EUR` | Within 180 days |
| [PayPal](/checkout) | digital wallet | N/A | [Country support](https://www.paypal.com/us/webapps/mpp/country-worldwide) | N/A | N/A | N/A | Yes |
| [PayPal Credit](/checkout) | revolving line of credit similar to a credit card | N/A | `US`
`GB` | N/A | N/A | N/A | Yes |
| [Przelewy24](/przelewy24) | bank redirect | redirect | `PL` | N/A | `PLN`
`EUR` | 1 `PLN` | Within 180 days |
| [Trustly](/trustly) | bank redirect | redirect | `AT`,`DE`,`DK`,
`EE`,`ES`,`FI`,
`GB`,`LT`,`LV`,
`NL`,`NO`,`SE` | `AT`,`DE`,`DK`,
`EE`,`ES`,`FI`,
`GB`,`LT`,`LV`,
`NL`,`NO`,`SE` | `EUR`, `DKK`, `SEK`,
`GBP`, `NOK` | 0.01 `EUR` | Up to 365 days |
| [Venmo](/v5/venmo/overview) | digital wallet | N/A | `US` | N/A | N/A | N/A | Yes |
| Visa | credit card | N/A | [PayPal Checkout](https://www.paypal.com/us/webapps/mpp/country-worldwide) country support,
[Expanded Checkout](/expanded/eligibility) country support | N/A | N/A | N/A | Yes |
| [AliPay](/alipay/) | digital wallet | redirect | `CN` | `CN` | `AUD`,`CAD`,`EUR`,
`GBP`,`HKD`,`NZD`,
`SGD`,`USD` | N/A | Within 360 days |
| [Boleto Bancário](/boleto-bancario) | voucher | redirect | `BR` | `BR` | `BRL` | N/A | N/A |
| [Grabpay](/grabpay) | digital wallet | redirect | `SG` | `SG` | `SGD` | N/A | Within 365 days |
| [OXXO](/oxxo) | voucher | redirect | `MX` | `MX` | `MXN` | N/A | N/A |
| [Satispay](/satispay) | digital wallet | redirect | `AT`,`BE`,`CY`,
`EE`,`FI`,`FR`,
`DE`,`GR`,`IE`,
`IT`,`LV`,`LT`,
`LU`,`MT`,`SM`,
`SK`,`SI`,`ES` | `AT`,`BE`,`CY`,
`EE`,`FI`,`FR`,
`DE`,`GR`,`IE`,
`IT`,`LV`,`LT`,
`LU`,`MT`,`SM`,
`SK`,`SI`,`ES` | `EUR` | N/A | Within 90 days |
{/*| [WechatPay](/wechatpay) | digital wallet | redirect | `AT`,`BE`,`DK`,
`FI`,`FR`,`DE`,
`GR`,`HU`,`IS`,
`IE`,`IT`,`LI`,
`LU`,`MT`,`NL`,
`NO`,`PT`,`ES`,
`SE` | `AT`,`BE`,`DK`,
`FI`,`FR`,`DE`,
`GR`,`HU`,`IS`,
`IE`,`IT`,`LI`,
`LU`,`MT`,`NL`,
`NO`,`PT`,`ES`,
`SE` | `EUR` | N/A | Within 360 days |*/}
> **Warning:** giropay was sunset on June 30, 2024. PayPal will not support giropay payments starting July 1, 2024. Offer your users PayPal wallet and other payment methods. [Learn more](https://www.paypal.com/us/cshelp/article/giropay-deprecation-help1183).
>
> Sofort was sunset on April 18, 2024. PayPal will not support Sofort payments starting April 19, 2024. Offer your users PayPal wallet and other payment methods. [Learn more](https://www.paypal.com/us/cshelp/article/sofort-deprecation-help1145).
## Next steps [#next-steps]
Choose a payment method from the table to integrate.
> **Info:** Payment methods
>
> See the Payment methods page for a list of currently supported payment methods.