> ## Documentation Index
> Fetch the complete documentation index at: https://developer.nomba.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Payment Methods
> Explore all supported payment methods in Nomba Checkout
Nomba Checkout supports multiple ways for your customers to complete payments.\
Each method is secure, reliable, and designed to give you flexibility when accepting payments.
Customers can scan a QR code to complete payments instantly.\
Instant settlement
Customers can pay directly from their bank account.\
Instant settlement\
Supports recurring billing
Customers split their payment into installments.\
Useful for larger purchases or flexible payment plans.
Accept local and international cards, including Apple Pay where supported.\
Can be combined with tokenization for recurring subscriptions.
Accept DRC mobile money payments from supported networks such as M-Pesa, Airtel Money, and Orange Money.
Customers pay via USSD short codes provided by their bank.\
A reliable method for users without access to cards or internet banking.
UK and European customers pay directly from their banking app.\
No card details required.
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## Nomba QR
QR codes generated at checkout allow customers to scan and pay instantly.\
This method supports **instant settlement** and can also be used for **recurring payments**.
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## Bank Transfer
Customers can complete transactions by transferring funds directly into your Nomba account.\
Funds are settled instantly, and transfers can also support recurring setups.
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## Buy Now, Pay Later
Enable flexible payments by allowing customers to split the total amount into scheduled installments.\
This improves affordability and increases conversion for high-value purchases.
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## Card Payments
Checkout supports different card experiences depending on your account, currency, and region:
| Method | Description |
| ------------------ | -------------------------------------------------------------------------- |
| Card | Mastercard, Visa, and Verve debit/credit cards |
| International Card | Cross-border card acceptance for supported foreign-currency checkout flows |
| Apple Pay | Apple Pay on supported Apple devices |
For recurring or subscription billing, you can enable **card tokenization** where applicable.
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## Mobile Money
Mobile Money is available for supported DRC checkout flows.\
Use it to collect payments from customers on supported networks such as **M-Pesa**, **Airtel Money**, and **Orange Money**.
For DRC checkout:
| Method | Description |
| ------------------ | ---------------------------------------------------------------------------------------------- |
| Mobile Money | Customer approves payment from a supported mobile money wallet in both USD and CDF collections |
| Apple Pay | Available for supported DRC USD checkout experiences |
| International Card | Available for supported DRC USD checkout experiences |
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## USSD
Offer customers the option to pay using their bank’s **USSD short code**.\
This method works on any mobile device and does not require internet access.
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## Pay by Bank
Pay by Bank lets customers with supported UK and European bank accounts pay you directly from their banking app.
No card details are entered at checkout.
The experience differs by device:
| Device | Customer experience |
| ------- | -------------------------------------------------------------------------------------------------------------------------- |
| Desktop | The customer scans a QR code at checkout to continue on their phone, or selects their bank and completes it in the browser |
| Mobile | The customer selects their bank and is taken straight into the banking app to complete the payment |
Once complete, the customer returns to checkout with a confirmation and the payment is initiated immediately.
Supported institutions include **Barclays**, **HSBC**, **Revolut**, **Monzo**, **Lloyds**, and other participating UK and European banks.
### Availability
| Condition | Detail |
| --------------------- | ---------------------------------------------------------------------------------------------------- |
| Customer bank account | UK and European bank accounts at participating institutions |
| Currency | The customer pays in `GBP` or `EUR` |
| Merchant account | Available on supported foreign-currency checkout flows. Contact support to enable it on your account |
Pay by Bank is not a Nigerian local payment method. A Nigerian `NGN`-only checkout flow will not show it, and it is not a substitute for **Bank Transfer**, which settles into a dynamically generated Nigerian account number.
### Requesting it at checkout
In the checkout order request, Pay by Bank is represented by the `allowedPaymentMethods` value `Intl Transfer`:
```json theme={null}
{
"order": {
"orderReference": "pay-by-bank-order-001",
"callbackUrl": "https://merchant.example.com/callback",
"customerEmail": "customer@example.com",
"amount": "45.00",
"currency": "GBP",
"allowedPaymentMethods": ["Intl Transfer"]
}
}
```
If `allowedPaymentMethods` is omitted, Pay by Bank appears automatically on any checkout where your account and the order currency support it.
### Settlement and recurring
* **Settlement** — funds settle into your Nomba `GBP` or `EUR` balance for the currency the customer paid in.
* **Recurring** — not supported. Pay by Bank is a one-time payment method, and each payment must be authorised by the customer in their banking app. For recurring or subscription billing, use **Card Payments** with tokenization.
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