# Local and Dynamic Payment Methods — Stripe Payments

Source: https://www.skillbyai.com/en/stripe-payments/m-local

> Wallets, bank debits and region-specific methods.

## Let Stripe pick the right methods

Customers often prefer local methods: **wallets** such as Apple Pay and Google Pay, **bank debits** such as SEPA Direct Debit in Europe or ACH Direct Debit in the US, **bank redirects** such as iDEAL, and real-time methods such as **UPI** in India. Availability depends on your account country, currency and Stripe's current support, so check the docs. With **dynamic payment methods** you enable methods in the Dashboard and create PaymentIntents or Checkout Sessions without hard-coding `payment_method_types`; Stripe then shows the eligible methods for each customer's location, currency and amount. Some methods are **delayed**: the PaymentIntent sits in `processing` and the final result arrives later by webhook.

## Dynamic versus hard-coded methods

Prefer the first form.

```javascript
// dynamic: methods come from your Dashboard settings and eligibility rules
await stripe.paymentIntents.create({
  amount: 1999,
  currency: 'eur',
  automatic_payment_methods: { enabled: true },
});

// hard-coded: only the listed types are offered (needs code changes to add more)
await stripe.paymentIntents.create({
  amount: 1999,
  currency: 'eur',
  payment_method_types: ['card', 'sepa_debit'],
});

```

## Plan for delayed results

For bank debits, ship or grant access only after payment_intent.succeeded, and handle payment_intent.payment_failed, which can arrive days later.

**Quiz:** What is the main benefit of dynamic payment methods?

- [ ] Card data is stored on your server
- [x] Eligible methods are shown per customer without changing code
- [ ] Payments never need webhooks
- [ ] Fees are waived for local methods

*Answer:* Eligible methods are shown per customer without changing code. Methods are managed in the Dashboard and filtered by eligibility.