The Different Non-Card Payment Methods Supported by Stripe

Debit cards and credit cards aren’t considered the most secure modes of payment in many parts of the world. In fact, this mode of payment only accounts for half of the world’s online transactions. If you want to sell your products online globally, you have to give your customers the option to pay the way they want. Cash, digital wallets, and bank transfers are still common payment methods customers prefer. In addition, these methods also provide additional benefits like low transaction costs and low risk.

Different Non-Card Payment Methods

If you have installed a leading Stripe payment gateway solution to accept payments on your website, you have access to amazing functionality. In addition, to enhance user experience, Stripe supports many non-card payment methods. This blog will cover the major non-card payment methods supported by Stripe. However, you should make sure your online business is ready to accept the following payment methods.

ACH Credit Transfers

Automated Clearing House (ACH) is a process in which US bank customers can transfer funds from their bank account to another US-based account. However, this transaction must be initiated by the customer. In order for the payment to be successful, you need to share your business bank account details and routing number with the customer.

All ACH credit transfers are irreversible. This is great for businesses that don’t like getting into payment disputes. They are also inexpensive or even free at times.ACH is a common payment method used for B2B transactions.

ACH Debit Payments

ACH debit payments are similar to ACH credit payments, but the other way around. Such payments allow businesses to collect money from US customers by simply pulling the funds out. Here, the customer has to provide their personal bank details, authorization, and routing number for the transaction to be processed. This method is usually used for recurring charity donations and software-as-a-service subscriptions.

The fee charged by Stripe for each transaction is 0.80%, capped at $5. However, unlike ACH credit payments, these payments take up to 5 days. Also, they can be disputed or stopped by clients even after the payment is completed.


By now, you’ve probably heard about Alibaba. Well, the world’s largest eCommerce company has its own digital wallet in China that is being used by over 1.3 million active users. It is operated by an Affiliate, ANT Financial Services Group. Alipay is mostly used for transactions from the gaming, food, education, and travel industries.

If your target audience is mostly Chinese, Alipay is a required payment method you should add in your arsenal. It is considered a secure digital wallet as all transactions are authenticated with the customer’s credentials.

WeChat Pay

Alipay is another popular Chinese payment method.Well, it wouldn’t hurt to favor one of the world’s largest economies! WeChat is one of China’s biggest mobile applications, with over a billion active users. WeChat is controlled by none other than the Chinese tech giant Tencent. Tencent is known for making mobile and web apps and websites for things like gaming, social networking, finance, media, and a lot more.

WeChat is a leading communication and lifestyle solution used by both businesses and individuals. It also has its own payment system, called WeChat Pay, with more than 900 million users. Users can buy just about anything and use WeChat Pay as their payment method. If you start accepting WeChat Pay, you may attract many Chinese customers to buy from your platform.


iDeal is a leading Netherlands-based payment system that permits customers to use their banking credentials to make online payments. It is one of the most popular payment methods used in the Netherlands as all major Dutch banks support this payment system.

While using iDeal, customers are redirected to their respected online banking portals for authentication. That means customers face different checkout flows depending on their banks. Though the payment method isn’t fast or flawless, the security it offers is appreciated by consumers. Businesses adore this payment method because payments are confirmed immediately and are irrevocable.


Giropay is one of the leading non-card payment methods supported by Stripe. It was introduced in 2006 and allows German cooperatives and savings banks to make online payments. Money is directly debited from a customer’s bank account. It’s a secure payment system as customers use PIN or second-factor authentication.

Are you wondering why you should accept this non-card payment method? Well, because there are more than 17 million German online banking customers and almost 60% of commercial bank accounts that are linked with Giropay. Because payments are made right away, it’s a great way to add it to your online store without having to worry about chargebacks.

Apple Pay

Apple Pay is another top US-based digital wallet that is becoming popular. Customers can use their Apple device or Mac OS to pay for in-person or online purchases. However, in order for it to work, customers must link their credit or debit card with their Apple account. Since customers can authorize payments with their Apple passcode, PIN, or Touch ID, they don’t have to keep the card on them at the time of making a transaction.

To make a customer’s life easier, they can store their billing details, address, phone number, and email on their Apple ID. Whenever they want to buy something, the details will automatically fill up the checkout form.

Google Pay

Who didn’t use Google in the 20th century? Well, apart from China, you’ll have just about every human on earth with internet access using one of Google’s apps or tools regularly. Google Pay is one such application that was introduced in 2011 as a digital wallet similar to Apple Pay. Once you link your debit or credit card with it, you can easily make payments without having the card on you. Google Pay works on phones that run on the Android OS and on every major mobile browser and desktop. This is a great option to add to your list of payment methods.

Wrap Up

Though there are many other non-card payment methods supported by Stripe, the ones mentioned above are commonly used by most people across the globe. By adding these payment options, you can attract many new customers and provide them with a safe and flawless shopping experience.



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