Payment methods

Every way your customers pay

From UPI in India to PIX in Brazil to iDEAL in the Netherlands — the whole catalog rides one REST integration. You change one field; Finscale handles the flow, the provider, and the settlement behind it.

40+payment methods

6regions covered

10method families

1integration

01 — One integration

Add a market with a parameter, not a project

Every method below is the same request. You set payment_method on POST /v1/payments, follow the next_action in the response, and Finscale runs the redirect flow, picks the provider, and reconciles the settlement. Going live in a new market is a one-line change.

Per-method flows, currencies, and quirks are covered in the payment methods docs; full request and response shapes live in the API reference.

Each transaction routes to the provider with the best cost and auth-rate for that method and currency — with automatic failover behind the same payment_method value.

POST /v1/payments

curl https://api.finscale.dev/v1/payments \
  -H "Authorization: Bearer sk_test_51FinscaleDemo…" \
  -H "Idempotency-Key: idem_ord_9f21_0716" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 4900,
    "currency": "EUR",
    "payment_method": "ideal",  # or "upi", "pix", "blik", …
    "reference": "ord_9f21_0716",
    "customer": { "email": "anna@example.com" },
    "return_url": "https://shop.example.com/checkout/return"
  }'

02 — The catalog

40+ payment methods, one field apart

Filter by region or method family. The monospace value on each card is the exact payment_method the API accepts.

Showing all 43 methods

Cards cardCardsGlobal Major schemes, 3-D Secure 2 · settles T+2 · full and partial refunds

Apple Pay apple_payWalletGlobal Card-backed · card settlement applies · refunds via the card rail

Google Pay google_payWalletGlobal Card-backed · card settlement applies · refunds via the card rail

PayPal paypalWalletGlobal Balance or card-funded · settles T+1 · refunds to the customer's balance

USDC usdcCryptoGlobal Stablecoin settlement in minutes, 24/7 · refunds as a new transfer

iDEAL idealBank redirectNetherlands Instant confirmation · settles T+1 · refunds to the originating account

Bancontact bancontactBank redirectBelgium Instant confirmation · settles T+1 · EUR · refunds supported

BLIK blikReal-timePoland Code-based approval · instant · PLN · refunds supported

Przelewy24 p24Bank redirectPoland Instant confirmation · settles T+2 · PLN

MB WAY mb_wayReal-timePortugal Push approval on the customer's phone · instant · EUR

Multibanco multibancoVoucher / referencePortugal Pay-by-reference · confirms when paid, up to 2 days · EUR

Trustly trustlyBank redirectEurope + Nordics Account-to-account · settles T+1 · refunds to the same account

EPS epsBank redirectAustria Instant confirmation · settles T+1 · EUR

Satispay satispayWalletItaly Instant confirmation · settles T+1 · EUR · refunds supported

MobilePay mobilepayWalletDenmark / Finland Instant confirmation · DKK / EUR · refunds supported

Vipps vippsWalletNorway Instant confirmation · NOK · refunds supported

Swish swishReal-timeSweden Instant · SEK · refunds to the payer's number

TWINT twintWalletSwitzerland Instant confirmation · CHF · refunds supported

Klarna klarnaBuy now pay laterEU / UK / US Provider fronts the funds · you settle in full · chargeback-free

SEPA Direct Debit sepa_debitDirect debitEU Mandate-based · clears in 2–3 business days · R-transaction handling

SEPA Credit Transfer sepa_creditBank transferEU Instant variant where supported · EUR · refunds as a return transfer

Bacs Direct Debit bacs_debitDirect debitUK Mandate-based · clears T+3 · GBP

ACH achDirect debitUS Mandate-based debit · clears in 3–5 business days · USD

Cash App Pay cashappWalletUS Instant confirmation · USD · refunds to the customer's Cash App

Affirm affirmBuy now pay laterUS / Canada Provider fronts the funds · you settle in full · chargeback-free

Afterpay / Clearpay afterpay_clearpayBuy now pay laterUS / UK / AU / NZ Provider fronts the funds · you settle in full · chargeback-free

ACSS Debit acss_debitDirect debitCanada Mandate-based · clears T+2 · CAD

PIX pixReal-timeBrazil Instant, 24/7 · BRL · refunds via the original PIX rail

Boleto boletoVoucherBrazil Cash voucher · expires if unpaid · no partial refunds

OXXO oxxoVoucherMexico Cash voucher paid in store · expires if unpaid · no partial refunds

SPEI speiBank transferMexico Near-instant transfer · MXN · refunds as a return transfer

UPI upiReal-timeIndia Instant VPA-based collect · INR · refunds via the original rail

Alipay alipayWalletChina / Asia QR or in-app approval · instant confirmation · refunds supported

WeChat Pay wechat_payWalletChina / Asia QR or in-app approval · instant confirmation · refunds supported

Kakao Pay kakao_payWalletSouth Korea Instant confirmation · KRW · refunds supported

Konbini konbiniVoucherJapan Cash voucher paid at convenience stores · expires if unpaid · no partial refunds

GrabPay grabpayWalletSoutheast Asia Instant confirmation · SGD, MYR and more · refunds supported

GoPay gopayWalletIndonesia Instant confirmation · IDR · refunds supported

FPX fpxBank redirectMalaysia Instant bank confirmation · MYR · settles T+1

PayNow paynowReal-timeSingapore Instant, 24/7 · SGD · refunds via the original rail

PromptPay promptpayReal-timeThailand Instant, 24/7 · THB · refunds via the original rail

BECS Direct Debit becs_debitDirect debitAustralia / NZ Mandate-based · clears T+2 · AUD / NZD

M-Pesa mpesaMobile moneyKenya STK push approval · instant confirmation · KES

Provider selection per method is automatic — each transaction is routed to the provider with the best cost and auth-rate for that method and currency, and fails over to the next provider behind the same payment_method value. Refunds always go back through POST /v1/refunds against the original payment, whichever provider processed it.

Every method here works in test mode today.

Charge ord_9f21_0716 for €49.00 with any of them — sk_test_51FinscaleDemo… never moves real money.

Get API keys Method docs