Short answer: cards, always — and beyond that, the right methods for each buyer show up on their own. You don't pick payment methods from a settings page, and you don't need to.
Cards — always
Every checkout takes the major credit and debit cards. This is the one method every buyer sees, everywhere.
Apple Pay and Google Pay — on supported devices
Wallet buttons appear for buyers on devices that support them — Apple Pay on an iPhone, iPad, or Safari on a Mac with a card in their Apple Wallet; Google Pay in Chrome for buyers signed in with a saved card. Buyers without a wallet set up simply don't see the button; the card form is always there.
There's one setup step: wallets require a one-time domain verification for the address your app's checkout runs on. Apple Pay on your checkout walks through it.
PayPal, Cash App, bank payments, and local methods — automatic
This is the part creators are usually surprised by: methods like PayPal, Cash App, bank payments, and local options — iDEAL in the Netherlands, Bancontact in Belgium, SEPA direct debit for euro subscriptions, Vipps, MobilePay, and Swish in the Nordics — appear automatically when they fit the purchase. What decides it:
- Where your buyer is. A buyer in the Netherlands sees iDEAL; a buyer in the US sees Cash App. It's the buyer's location that matters, not yours.
- Your plan's currency and amount. Most European methods show up when the plan is priced in euros; Nordic methods follow their local currencies. Some methods also have price limits.
- One-time vs subscription. Some methods only support one-time purchases; euro subscriptions can offer SEPA direct debit.
There is nothing for you to switch on — and nothing to switch on a method for a buyer it doesn't fit. One good thing to know: some bank-based methods take longer than a card to confirm, so a buyer may see confirming your payment
for a bit — access is granted as soon as the payment confirms.
Buy now, pay later — you apply first
Installment options like Klarna and similar financing are the one exception to automatic.
They appear only after you apply for financing in your Whop dashboard — the payments account you set up when you started selling — and they apply to one-time purchases only, not subscriptions. Once you're approved, the options show up at checkout on their own.
Who picks the list?
Our payments partner composes the method list for each purchase — from your payments account, your plan, and your buyer. Your app doesn't decide it, which is why two buyers in different countries see different lists at the same checkout.
The practical upshot for your sales copy: don't promise a specific payment method (Pay with iDEAL!
) on the page, because not every buyer will see it. Cards are the only method you can safely name for everyone.
Built your app before October 4, 2026?
Apps built before then use an earlier, card-only payment form. Your app owns its own copy of its checkout, so platform improvements don't change already-published apps on their own — they arrive when you update yours. To get the full method list:
💬 Ask your AI to update it Paste this into your app's chat:
Update my checkout to the latest payment form so buyers see every payment method available to them, not just cards. If my checkout is already on the latest form, say so instead of changing things.Then republish your app — the new form goes live when the published version updates.
What to read next
- Apple Pay on your checkout — the one-time domain verification for wallet buttons
- Setting prices and subscriptions — currency and one-time vs subscription are what shape the method list
- Checkout styles your app can build — the five checkout patterns these methods appear in
- Test your checkout without paying — confirm the whole flow with a $0 purchase