Payment methods

You control which payment methods your customers can use at checkout — across every surface: the API checkout (hosted page, embed and Elements), payment links, invoices and product pages. Turn Bank transfer (ACH), Cash App Pay, Klarna, Affirm, Afterpay, Amazon Pay, UPI, Pix and the wallets (Apple Pay / Google Pay) on or off for your account, from the dashboard or over the API.

Cards are always on — they are the baseline payment method for every account and can't be turned off.

1. The methods

Wallets ride on the card rail — they only appear when cards are available and the customer's device/browser supports them. Disabling a wallet hides its express-checkout button; it never affects ordinary card entry.

Klarna, Affirm, Afterpay and Amazon Pay

• Opt-in, with their own price. Each has its own fee per payment, shown next to its switch in your settings (and as price in the API below). Turning one on before your account carries it asks for it; it shows as awaitingApproval until it is approved.
• The buyer finishes on the method's own page and comes straight back. On the hosted checkout, payment links, invoices and product pages that is automatic. In the embed the method opens in a secure window (its site can't load inside a frame); with Elements you pass a returnUrl and read the result there.
• Priced for where the buyer is. A buyer outside your country costs more (the international add-on in each price), and only the buyer's payment method says where they are. So, on your own VezmoPay account, our server prices each of these payments for the buyer's billing country and confirms it itself: no page or script can pay one at the price for a buyer at home. Our checkouts and vezmo-elements.js do this for you; from your own code, send the payment method to the checkout's …/pay with a returnUrl (secure payments, payment links, invoices).
• Only when the amount fits. Each method is offered only within its range above, so a $20 order never shows Affirm.
• Not on subscriptions. A subscription checkout offers only methods that renew on their own: card, and bank (ACH) when the plan has no free trial.

UPI

• For buyers paying in rupees. UPI shows once a buyer chooses to pay in Indian rupees (local currency). You are paid in US dollars as usual.
• The buyer approves in their UPI app. On a computer they scan a code; on a phone they open their UPI app. The checkout waits and continues on its own once they approve. Their name and address are asked first.
• Its own price, shown next to its switch (and as price in the API). Turning it on before your account carries it asks for it (awaitingApproval).
• Refunds and disputes. A refund reaches the buyer within a few days and can be made up to 60 days after the payment. A dispute the buyer's bank accepts can't be contested.
• On payment links, invoices, product pages and the API checkout (hosted page and embed). Not on subscriptions.

Pix

• For buyers paying in reais. Pix shows once a buyer chooses to pay in Brazilian reais (local currency), for payments up to US$2,999.99. You are paid in US dollars as usual.
• The buyer approves in their bank app. They scan a code, or copy the Pix code and paste it in their bank app (how a phone pays). The code lasts 10 minutes; the checkout waits and continues on its own once they pay. Their name, address and CPF (Brazil's tax number; a company's CNPJ) are asked first.
• Brazil's IOF tax. A Pix payment to a business abroad carries Brazil's 3.5% IOF tax, which the buyer's bank adds on top; you receive the full price.
• Its own price, shown next to its switch (and as price in the API). Turning it on before your account carries it asks for it (awaitingApproval).
• Refunds and disputes. A refund can be made up to 90 days after the payment and usually reaches the buyer within minutes. Pix payments can't be disputed.
• On payment links, invoices, product pages and the API checkout (hosted page and embed). Not on subscriptions.

2. How a method's visibility is decided

A method is shown to your customer only when all of these are true:

shown(method) = eligible        // your account can use it (capability + currency)
            AND enabled-by-you  // you turned it on (cards are always on)
            AND not-blocked     // Vezmo hasn't disabled it for your account
            AND allowed         // Instant ACH only: Vezmo turned it on for your business

New accounts start with every eligible method on. If a method shows Not available yet in your settings, your account isn't verified for it yet — finish verification to unlock it. If Vezmo has blocked a method for risk reasons it appears as Managed by Vezmo and can't be enabled until that's lifted. Instant ACH is off for every business until Vezmo turns it on for yours: it shows Needs Vezmo's approval until then. Contact support to ask for it.

3. Control it from the dashboard

Go to VezmoPay → Settings → Payment Methods and toggle each method. Changes apply immediately to every checkout.

4. Control it from the API

Two endpoints, authenticated with a Bearer access token from POST /merchant/api-auth/login. They require the account.read / account.update permissions on your API key (enable these under VezmoPay → Developers).

Get your active methods

GET /merchant/account/payment-methods
Authorization: Bearer <access_token>

Response:

{
  "success": true,
  "message": "Payment methods retrieved",
  "data": {
    "methods": {
      "card":      { "enabled": true,  "eligible": true, "blockedByAdmin": false, "platformHalted": false, "toggleable": false, "awaitingApproval": false, "price": null },
      "ach":       { "enabled": true,  "eligible": true, "blockedByAdmin": false, "platformHalted": false, "toggleable": true,  "awaitingApproval": false, "price": null },
      "cashapp":   { "enabled": false, "eligible": true, "blockedByAdmin": false, "platformHalted": false, "toggleable": true,  "awaitingApproval": false, "price": null },
      "klarna":    { "enabled": true,  "eligible": true, "blockedByAdmin": false, "platformHalted": false, "toggleable": true,  "awaitingApproval": false, "price": { "percent": …, "fixed": … } },
      "applePay":  { "enabled": true,  "eligible": true, "blockedByAdmin": false, "platformHalted": false, "toggleable": true,  "awaitingApproval": false, "price": null },
      "googlePay": { "enabled": false, "eligible": true, "blockedByAdmin": false, "platformHalted": false, "toggleable": true,  "awaitingApproval": false, "price": null }
      // … affirm, afterpayClearpay, amazonPay the same way; price = your price per payment
    },
    "card": true, "ach": true, "cashapp": false, "applePay": true, "googlePay": false,
    "klarna": true, "affirm": false, "afterpayClearpay": false, "amazonPay": false
  }
}

• enabled — shown at checkout right now.
• eligible — your account is allowed to use it (capability active).
• blockedByAdmin — Vezmo has disabled it for your account.
• platformHalted — Vezmo has this method switched off for everyone right now (nothing to do with your account).
• toggleable — you may change it (eligible, not a card, not blocked).
• awaitingApproval — you turned it on and it is still being approved for your account.
• price — for a method with its own price (Klarna, Affirm, Afterpay, Amazon Pay, UPI, Pix): { percent, fixed } per payment; null for the others.

Enable or disable methods

Send any of ach, cashapp, klarna, affirm, afterpayClearpay, amazonPay, upi, pix, applePay, googlePay as booleans. Card is always on and is ignored if sent. The response echoes the resulting state.

PUT /merchant/account/payment-methods
Authorization: Bearer <access_token>
Content-Type: application/json

{ "ach": true, "klarna": true, "googlePay": false }

5. What the checkout returns

Every checkout/session response includes an enabledMethods object so your own UI can mirror what's offered:

"enabledMethods": {
  "card": true, "ach": true, "cashapp": false, "applePay": true, "googlePay": false,
  "klarna": true, "affirm": false, "afterpayClearpay": true, "amazonPay": false,
  "upi": false, "pix": false
}

You don't need to act on it — Vezmo renders the correct methods for you — but it's there if you build a custom summary.

6. Good to know

• ACH, Cash App Pay, Klarna, Affirm, Afterpay and Amazon Pay are USD-only. Even when enabled, they only show on USD checkouts. UPI and Pix are the opposite: UPI shows only while the buyer pays in Indian rupees, Pix only in Brazilian reais (the checkout response's localOffer.methods lists it then).
• Disabling is instant and everywhere. Turning a method off hides it on the embed, payment links, invoices and product pages at once, and the payment intent won't accept it either.
• Authentication is unaffected. Method controls only change which options appear — they never bypass 3D Secure / SCA where it's required.