# Configure Payment Methods

Payment methods for Stripe Billing are configured per Offer. Each Offer defines which Stripe payment methods are available at checkout, allowing you to tailor the payment experience to the product.

## Supported Payment Methods

| Payment Method               | Type                                       | Availability |
| ---------------------------- | ------------------------------------------ | ------------ |
| **Stripe Card**              | Credit / debit card, Apple Pay, Google Pay | All regions  |
| **Stripe BACS Direct Debit** | UK bank debit                              | UK only      |

Apple Pay and Google Pay are automatically available when **Stripe Card** is selected, provided they are enabled in your Stripe account and the customer's device supports them. They do not need to be configured separately.

{% hint style="info" %}
Additional payment method support (SEPA Direct Debit, ACH, PayPal) is planned. Contact <support@limio.com> for the latest availability.
{% endhint %}

## Enabling Payment Methods on an Offer

On the Limio Offer, use the **Payment Types** dropdown to select the Stripe payment methods you want to allow. You can select one or multiple:

* **Stripe Card** — displays Card, Apple Pay, and Google Pay options in the Payment Element
* **Stripe BACS Direct Debit** — displays only BACS Direct Debit

The Stripe Payment Element at checkout will render only the options configured on the Offer.

### When both are configured

If an Offer has both **Stripe Card** and **Stripe BACS Direct Debit** selected, the customer uses the Payment Method Selector subcomponent to choose between Card or Direct Debit before the Stripe Payment Element loads.

### Example: different prices per payment method

A common use case is offering a discount for Direct Debit to encourage customers to pay by DD (which typically has higher retention than card).

**Setup:** one Stripe Product, two Limio Offers:

| Offer                           | Price      | Payment Type             |
| ------------------------------- | ---------- | ------------------------ |
| Adult Membership — Card         | £60 / year | Stripe Card              |
| Adult Membership — Direct Debit | £55 / year | Stripe BACS Direct Debit |

Each Offer is displayed separately on the pricing page. The customer chooses the Offer that matches their preferred payment method, and the checkout only shows the matching Payment Element.

## How Payment Methods Work

### Card, Apple Pay, Google Pay

These all run through Stripe's card rails. Payment is collected immediately via a PaymentIntent, and the payment method is saved to the Stripe Customer for future recurring charges.

Apple Pay and Google Pay only appear in the Payment Element if:

* They are enabled in your Stripe account
* The customer's device and browser support them
* The site is served over HTTPS

### BACS Direct Debit

BACS Direct Debit uses a mandate-based flow:

1. The customer enters their bank account details in the Stripe Payment Element
2. A BACS mandate is created
3. The first payment is collected — settlement is typically 3-5 business days
4. Future recurring charges are collected automatically against the mandate

{% hint style="warning" %}
BACS settlement is not instant. Depending on your business requirements, you may activate the subscription immediately on mandate creation or wait for payment confirmation.
{% endhint %}

## Customising the Payment Element Appearance

For Payment Element appearance, layout, and theme options, see [Configure Stripe Payment Settings](/integrations/stripe-billing-integration/getting-started/configure-stripe-payment-settings.md).


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