# Payment Methods

Payment methods define how customers can pay for their orders during checkout. From the admin panel you can create and manage multiple payment methods — each with its own type, status, and country availability. The methods you configure here appear as selectable options on the storefront checkout page.

Capyshop supports three payment method types:

| Type                         | Description                                                       |
| ---------------------------- | ----------------------------------------------------------------- |
| **Pay on Delivery**          | Customer pays in cash or card when the order is delivered         |
| **Manual Payment**           | Customer pays via bank transfer or another offline method         |
| **Payment Service Provider** | Online payment processed through a PSP integration (e.g., Stripe) |

## Browsing your payment methods

Open **Payment Methods** in the admin sidebar (under Checkout) to see the full list. The table displays each method's name, type, countries, status, and creation date.

![Payment methods list](/features/payment-methods/payment-methods-list.png)

| Column     | Description                                                                   |
| ---------- | ----------------------------------------------------------------------------- |
| Name       | Payment method name (click to edit)                                           |
| Type       | One of: Pay on Delivery, Manual Payment, or Payment Service Provider          |
| Countries  | Comma-separated list of countries, or **Global** if no countries are selected |
| Status     | **Enabled** (available at checkout) or **Disabled**                           |
| Created At | Date the method was created                                                   |
| Actions    | Dropdown with Edit and Delete options                                         |

You can **sort** by clicking any column header, **search** by typing in the search bar, and **filter** by country using the **Filter** button.

## Creating a payment method

Click **New Payment Method** on the list page to open the creation form.

![Create payment method](/features/payment-methods/create-payment-method.png)

### General information

| Field         | Required | Description                                                                       |
| ------------- | -------- | --------------------------------------------------------------------------------- |
| Name          | Yes      | The name shown to customers at checkout (e.g., "Credit Card", "Cash on Delivery") |
| Type          | Yes      | Choose between Pay on Delivery, Manual Payment, or Payment Service Provider       |
| Active Status | No       | Toggle to enable or disable this method at checkout. Enabled by default           |

> **Important:** To create a Payment Service Provider method, you must first enable the PSP integration in **Settings > Integrations** and provide your API keys. If the integration is disabled, the form will show a warning and prevent saving.

### Location coverage

| Field     | Required | Description                                                                                                                   |
| --------- | -------- | ----------------------------------------------------------------------------------------------------------------------------- |
| Countries | No       | Select which countries this method is available in. If no countries are selected, the method is considered globally available |

## Editing a payment method

Click any method name in the list (or choose **Edit** from the actions dropdown) to open the edit form. It contains the same fields as the creation form, pre-populated with the current data.

![Edit payment method](/features/payment-methods/edit-payment-method.png)

Click **Save Changes** when you are done.

## Deleting a payment method

To delete a payment method, click the actions dropdown on the row and select **Delete**. A confirmation dialog will appear before the method is permanently removed.

## Billing address at checkout

Before the payment step, customers go through a **Billing address** step. By default the **Billing same as shipping** option is on and no extra input is needed. Customers who need a separate billing address — different invoicing entity, gift recipient, etc. — turn the option off and either pick one of their saved addresses or enter a new one. A checkbox lets them save a custom billing address to the address book for future orders.

The billing country is what drives **tax calculation** (see [Tax rules](./tax-rules.md)) and **payment-method filtering**. When the customer changes their billing country, the currently selected payment method is cleared and any in-flight Stripe PaymentIntent is cancelled, so the next payment is created with the right country and tax in place.

## How payment methods appear on the storefront

During checkout, after a customer confirms their shipping and billing addresses, the available payment methods are displayed as selectable cards in the **Payment** section.

![Payment methods at checkout](/features/payment-methods/storefront-checkout-payment.png)

| Admin setting | Storefront behavior                                                                                     |
| ------------- | ------------------------------------------------------------------------------------------------------- |
| Name          | Displayed as the card label                                                                             |
| Type          | Determines the icon shown (truck for Pay on Delivery, building for Manual Payment, credit card for PSP) |
| Active Status | Only enabled methods are shown                                                                          |
| Countries     | Only methods matching the customer's **billing country** (or globally available methods) are displayed. When "billing same as shipping" is on, the shipping country is used. |

### Pay on Delivery and Manual Payment

These methods require no additional input from the customer. Selecting one and clicking **Complete Order** creates the order with a **Pending Payment** status. The store owner is responsible for confirming payment manually.

### Payment Service Provider (Stripe)

When a customer selects a PSP method, a secure Stripe payment form appears below the payment method cards. The customer enters their card details directly in the Stripe form and clicks **Complete Order**. The order is created with **Pending Payment** status and automatically updated to **Paid** once Stripe confirms the payment via webhook.

> **Tip:** To set up Stripe payments, go to **Settings > Integrations**, enable the PSP integration, and enter your Stripe Secret Key, Publishable Key, and Webhook Secret. See the [Stripe documentation](https://stripe.com/docs) for how to obtain these keys.