Supported Payment Methods
Split Pay works with every payment method supported by whichever Stripe gateway adapter is processing your charges — the official WooCommerce Stripe Payment Gateway, Payment Plugins’ woo-stripe-payment, or FluentCart’s built-in Stripe module. Credit cards, digital wallets, and bank-based methods are all compatible, including methods with delayed settlement.
Overview#
Split Pay processes transfers based on the payment_intent.succeeded webhook event from Stripe. Any payment method that ultimately produces a successful charge on your Stripe platform account — through any of the three gateway adapters Split Pay supports — is compatible.
The plugin automatically detects the payment method type used and handles transfers accordingly — including intelligently deferring transfers for payment methods where the charge status isn't immediately succeeded.
The list of which payment methods are actually offered to your customers is set per-gateway, not by Split Pay. The official WC Stripe gateway uses one settings page; Payment Plugins exposes per-method controls; FluentCart configures methods through its own admin. See Enabling Payment Methods below for the per-stack location.
Instant settlement methods#
These payment methods settle immediately when the customer completes checkout. Transfers are created as soon as the payment_intent.succeeded event is received.
| Payment Method | Description | Transfer Timing |
|---|---|---|
| Credit / Debit Cards | Visa, Mastercard, American Express, Discover, Diners Club, JCB, UnionPay | Immediate |
| Apple Pay | One-tap payment on Apple devices via Safari or Apple Pay-enabled apps | Immediate |
| Google Pay | One-tap payment on Android devices and Chrome browser | Immediate |
| Link by Stripe | Stripe's accelerated checkout — saves card details for one-click payments | Immediate |
| Cash App Pay | Popular mobile payment app — customers approve via the Cash App | Immediate |
| WeChat Pay | Mobile payment via China's WeChat — QR code or in-app approval | Immediate |
| Alipay | Digital wallet widely used in China — customer redirected to approve | Immediate |
| giropay Deprecated by Stripe | Former German online bank transfer. Stripe deprecated giropay support in 2024 following the closure of the giropay scheme by the German Banking Industry Committee. New giropay charges no longer settle in most regions; treat this row as historical. Migrate German customers to SEPA Direct Debit or cards. | n/a (deprecated) |
| iDEAL | Netherlands online bank transfer — one of the most popular Dutch payment methods. iDEAL is in the process of rebranding to Wero across the European Payment Initiative; Stripe’s iDEAL integration continues to work during the transition. See the Wero row below for the successor scheme. | Immediate |
| Wero | Pan-European wallet from the European Payments Initiative, succeeding iDEAL across the Netherlands, Belgium, Germany, and France. Stripe added Wero support in 2025 alongside iDEAL during the transition. | Immediate |
| Bancontact | Belgium debit card / bank transfer payment system | Immediate |
| EPS | Austrian online bank transfer system | Immediate |
| P24 (Przelewy24) | Polish online bank transfer system | Immediate |
| Klarna | Buy now, pay later — pay in installments, pay later, or pay now | Immediate |
| Afterpay / Clearpay | Buy now, pay later in 4 interest-free installments | Immediate |
| Affirm | Buy now, pay later with monthly installments (US) | Immediate |
Payment method availability depends on your Stripe account configuration, country, and currency. Enable methods in your gateway’s settings (the official WC Stripe gateway, Payment Plugins for Stripe, or FluentCart’s Stripe module) — Split Pay will handle the transfers automatically. See Enabling Payment Methods for the per-stack location.
Delayed settlement methods#
Some payment methods don't settle immediately. The customer initiates payment, but funds may take hours or days to arrive in your Stripe account. Split Pay detects these and defers transfers until the charge is confirmed.
| Payment Method | Description | Typical Settlement |
|---|---|---|
| ACH Direct Debit | US bank account debit — customer provides bank details | 3–5 business days |
| SEPA Direct Debit | European bank account debit (Single Euro Payments Area) | 5–14 business days |
| BECS Direct Debit | Australian bank account debit | 3–5 business days |
| Boleto | Brazilian payment voucher — customer pays at a bank or convenience store | 1–3 business days |
| OXXO | Mexican cash payment at convenience stores | 1–3 business days |
| Multibanco | Portuguese bank transfer via ATM or online banking | 1–2 business days |
No configuration needed. Split Pay automatically checks the Stripe Charge status before attempting a transfer. If the charge hasn't settled yet, the transfer is deferred and an order note is added. Once the charge succeeds, the transfer processes on the next webhook event.
How deferred transfers work#
When a customer pays with a delayed settlement method:
Order is created in WooCommerce with a "pending" or "on-hold" status.
Split Pay receives the webhook and checks the Stripe Charge status.
Charge status is not yet succeeded — the plugin defers the transfer and adds an order note: "Transfer deferred — charge status is [pending]. Payment method: [sepa_debit]. Transfers will be created once the charge settles."
Charge settles (days later). Stripe fires charge.succeeded and the payment intent succeeds.
Transfers are created automatically.
Enabling Payment methods#
Payment methods are managed through your Stripe gateway, not through Split Pay directly. The location depends on which gateway adapter you’re running:
Official WooCommerce Stripe Payment Gateway
Navigate to WooCommerce → Settings → Payments → Stripe.
Open the Payment Methods tab.
Toggle the methods you want to offer at checkout, then save.
Payment Plugins for Stripe WooCommerce
Navigate to WooCommerce → Settings → Payments. Each Stripe payment method (Cards, Apple Pay, Google Pay, Klarna, etc.) appears as a separate row — this is how Payment Plugins surfaces methods.
Click Manage on each method you want to offer; toggle Enabled and save.
See the Payment Plugins for Stripe WooCommerce integration page for the gateway-specific setup notes.
FluentCart built-in Stripe module
Navigate to FluentCart → Settings → Payment Methods → Stripe.
Enable the Stripe payment methods you want to offer at FluentCart checkout, then save.
See the FluentCart integration page for the platform-specific setup notes.
Whichever gateway you use, Split Pay automatically processes transfers for any enabled method — you do not need to mirror the gateway’s method list inside Split Pay.
Technical details#
For developers, here's how the payment method detection works under the hood:
- Split Pay retrieves the Stripe
PaymentIntentobject associated with the store order (a WooCommerce order on Stack A, a FluentCart order on Stack B). - It checks the
latest_chargestatus. If the status is notsucceeded, the transfer is deferred. - The
payment_method_details.typefield is logged in the order notes for visibility. - For deferred transfers, the Retry Failed Transfers order action can be used to manually trigger transfers once the charge has settled.