> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xpaycheckout.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Methods

> xPay supports a wide range of payment methods to ensure global compatibility.

The table below provides a detailed breakdown of the available payment methods on xPay's platform.

| **Category**                           | **Payment Methods**                                             |
| -------------------------------------- | --------------------------------------------------------------- |
| **Cards (Default)**                    | Visa, Mastercard, American Express, Discover, Diner's Club, JCB |
| **Wallets**                            | Amazon Pay, Apple Pay, Cash App, Google Pay, PayPal             |
| **BNPL (Buy Now, Pay Later)**          | Afterpay, Klarna                                                |
| **EMI (Equated Monthly Installments)** | Card Installments                                               |

***

### **Payment Method Enums**

| **Enum Name**      | **Description**                                         |
| ------------------ | ------------------------------------------------------- |
| `CARD`             | Credit and debit card payments (Visa, Mastercard, etc.) |
| `AMAZON_PAY`       | Pay through Amazon accounts                             |
| `APPLE_PAY` \*     | Digital wallet for Apple devices (requires `CARD`)      |
| `CASH_APP`         | US-based digital payment app                            |
| `GOOGLE_PAY` \*    | Secure payment platform by Google (requires `CARD`)     |
| `PAYPAL`           | Online payments via PayPal accounts                     |
| `AFTERPAY`         | Buy now, pay later service                              |
| `KLARNA`           | European BNPL service                                   |
| `CARD_INSTALLMENT` | Credit Card Installments (Equated Monthly Installments) |

***

### Payment Method Scopes

| **Method**            | **Active Geographies** | **Currency Rules**                                                                                                |
| --------------------- | ---------------------- | ----------------------------------------------------------------------------------------------------------------- |
| **Card**              | Global                 | Any [supported currency](/get-started/currencies-supported)                                                       |
| **Amazon Pay**        | US                     | USD only                                                                                                          |
| **Apple Pay**         | Global (except India)  | Any [supported currency](/get-started/currencies-supported)                                                       |
| **Cash App**          | US                     | USD only                                                                                                          |
| **Google Pay**        | Global (except India)  | Any [supported currency](/get-started/currencies-supported)                                                       |
| **PayPal**            | Global\*               | Initial charge in USD → then local currency inside PayPal flow                                                    |
| **Afterpay**          | US and Canada          | USD only *(visible for amounts ≤ \$4000)*                                                                         |
| **Klarna**            | US and Canada          | USD only                                                                                                          |
| **Card Installments** | Global                 | Initial charge in USD → then Customer from any geography can complete the payment *(amount range \$500–\$10,000)* |

<Info>
  \* The initial currency for **PayPal** needs to be USD on xPay. Once user enters PayPal's flow, they can pay in their **local currency**. [Watch demo](https://drive.google.com/file/d/18U1AnmL0ZIYqfSEZR5CXIAoR7cHa_Wb7/view?usp=drive_link)
</Info>

***

### **Details on Payment Methods**

* **Cards (Default)**: This is the default payment method enabled for all xPay accounts. You can accept payments from major credit and debit cards such as: \
  [Visa](https://www.visa.com) | [Mastercard](https://www.mastercard.com) | [American Express](https://www.americanexpress.com) | [Discover](https://www.discover.com) | [Diner's Club](https://www.dinersclub.com) | [JCB](https://www.global.jcb/en) and many more.
* **Wallets**: Wallets allow your customers to pay using popular digital payment platforms. If you need to enable any of the following, please contact us: \
  [Amazon Pay](https://pay.amazon.com) | [Apple Pay](https://www.apple.com/apple-pay/) | [Cash App](https://cash.app) | [Google Pay](https://pay.google.com) | [PayPal](https://www.paypal.com)
* **BNPL (Buy Now, Pay Later)**: Let your customers split payments over time using BNPL services. Enable the following options upon request: \
  [Afterpay](https://www.afterpay.com) | [Klarna](https://www.klarna.com)
* **EMI (Equated Monthly Installments)**: This is a proprietary payment method build by xPay which lets yout customers split their Credit Card payments over time. Enable the following upon request:\
  [Card Installments](https://www.xpaycheckout.com/)

***

### **Refunds**

Full and partial refunds are supported on all payment methods. Refund windows vary by provider:

| Provider                                              | Refund Window                                                           |
| ----------------------------------------------------- | ----------------------------------------------------------------------- |
| **Cash App**                                          | 90 days                                                                 |
| **Afterpay**                                          | 120 days                                                                |
| **Klarna, Amazon Pay**                                | 180 days                                                                |
| **PayPal**                                            | 24 months                                                               |
| **Cards & derivative methods** (wallets/installments) | \~12 months *(varies by issuing bank; later refunds commonly rejected)* |

<Warning>
  Refunds past these windows will fail and must be reimbursed outside xPay.
</Warning>

***

<Info>
  By default, **Cards** are enabled. You can contact us at [hello@xpaycheckout.com](mailto:hello@xpaycheckout.com) to activate additional payment methods based on your business needs.
</Info>

***