> ## Documentation Index > Fetch the complete documentation index at: https://help.trypawgress.com/llms.txt > Use this file to discover all available pages before exploring further. # Manage Stripe Payment Methods > Choose which payment methods your clients see at checkout, including paying in instalments with Klarna, Affirm or Afterpay [Payments, Packages & Integrations](https://www.youtube-nocookie.com/embed/Uo3dB1N0l1s?start=48) ## Overview When a client pays for a package through Pawgress, they see a Stripe checkout page. Which payment methods appear there (cards, Apple Pay, Klarna and so on) is set in **your own Stripe dashboard**, under a payment method configuration called **Pawgress checkout**. You don't need to change anything in Pawgress. Turn a method on or off in Stripe, and new payment links reflect it. > [!NOTE] > > **Clients only see what they can use** > > Stripe hides a payment method from a client who can't use it, for example because of their country, the currency, or the package price. Turning a method on means "offer it where it applies", not "show it to everyone". ## Changing Your Payment Methods ### Step 1: Open your Stripe payment method settings Log in to your [Stripe Dashboard](https://dashboard.stripe.com) and go to **Settings → Payment methods**. ### Step 2: Select the Pawgress checkout configuration At the top of the page, open the configuration dropdown and choose **Pawgress checkout**. > [!WARNING] > > **Pick Pawgress checkout, not Default** > > Your Stripe account also has its own configuration, usually called **Default**. That one only applies to payments you create directly in Stripe (your own payment links or invoices). Changes to it have **no effect** on Pawgress checkouts. ### Step 3: Turn methods on or off Find the payment method and switch it on or off. The change applies to payment links created after it. A link you've already sent keeps the methods it had; links expire after 24 hours, and **Resend Payment Email** creates a fresh one. You can't turn on a method that Pawgress has blocked. ## Letting Clients Pay in Instalments Buy now, pay later methods let your client spread the cost of a package over several payments while **you're paid the full amount upfront**. The provider collects the instalments from your client and takes on the risk if they stop paying. | Method | Where you can use it | Package price | | - | - | - | | **Klarna** | US, Canada, UK, much of Europe, Australia, New Zealand | From about \$10 | | **Affirm** | US and Canada | \$50 and up | | **Afterpay** (Clearpay in the UK) | US, Canada, UK, Australia, New Zealand | Up to \$2,000 in the US and Canada | Your client must be in the same country as your business to use Affirm or Afterpay. Klarna's and Afterpay's limits vary by country and by client. Klarna, Affirm or Afterpay may turn down a client at checkout, so leave cards on as well. > [!WARNING] > > **Instalment methods cost more than cards** > > Stripe charges a higher processing fee for Klarna, Affirm and Afterpay than for card payments, and you pay it, not your client. Check [Stripe's pricing](https://stripe.com/pricing/local-payment-methods) before turning them on. ### What happens in Pawgress Nothing changes for you. When your client finishes paying with Klarna, Affirm or Afterpay, the enrollment is marked **Paid** right away, just like a card payment, and you both get the usual emails. **Refunds** work the same way: refund from the enrollment in Pawgress, and the provider cancels or refunds your client's remaining instalments. Affirm refunds can take up to 2 days to complete and must be made within 120 days of the payment. ## Bank Debits and Bank Transfers If you turn on a bank-based method (for example Canadian pre-authorized debit or US ACH), the money takes several business days to arrive. Pawgress keeps the enrollment **Unpaid** until Stripe confirms the payment has cleared, then marks it paid and sends the confirmation emails. If the bank payment fails, the enrollment is marked **Failed**. Use **Resend Payment Email** to send your client a new link so they can pay another way. ## Troubleshooting ### A payment method I turned on doesn't appear at checkout Check, in this order: 1. **You changed the right configuration.** It must be **Pawgress checkout**, not **Default**. 2. **Stripe has activated it for your account.** In **Settings → Payment methods**, open the method. If Stripe needs more information, or your account has a task that's past due (look for a banner at the top of your dashboard), the method stays inactive until you complete it. 3. **Your business is eligible.** Some methods aren't available in every country or for every business category. Stripe shows this on the method's details. 4. **The checkout qualifies.** The package price, the currency, and where your client is all have to be within the method's limits. For example, Affirm doesn't appear for a package under \$50. ### I can't turn on Afterpay or Affirm Stripe reviews eligibility for these methods separately. The method's details in **Settings → Payment methods** say why it's unavailable. If you think it's a mistake, contact [Stripe support](https://support.stripe.com/). ### Additional Help If you run into issues, contact our support team: * Email: [support@pawgress.ca](mailto:support@pawgress.ca) * In-app: Click **Support** in the navigation ## Next Steps * [Collect payment for a client enrollment](https://help.trypawgress.com/guides/billing/collect-payment.md) * [Connect your Stripe account](https://help.trypawgress.com/guides/integration/connect-stripe.md) This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.