# Setup Payment Methods

The checkout page marks the final step of a customer's exploration on your website or app, and the payment methods presented at this juncture can determine whether the experience is smooth and seamless or poses a potential obstacle.

There is no one size fits all solution when it comes to payment methods but selecting the right ones can help:

* Improving conversion rates
* Managing fraud and risk
* Saving payment processing fees

### Integration & testing

Once you have identified the payment methods for your business, select the respective guide to configure and integrate them to your application

<table data-view="cards"><thead><tr><th></th><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th><th data-hidden data-card-cover data-type="files"></th></tr></thead><tbody><tr><td><strong>Cards</strong></td><td></td><td></td><td><a href="payment-methods-setup/cards">cards</a></td><td><a href="https://1943537505-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fkf7BGdsPkCw9nalhAIlE%2Fuploads%2Fgit-blob-f5c78e9b96e53b40acd44b5f07409505941be71a%2Fcard.jpg?alt=media">card.jpg</a></td></tr><tr><td><strong>Wallets</strong></td><td></td><td></td><td><a href="../../wallets">wallets</a></td><td><a href="https://1943537505-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fkf7BGdsPkCw9nalhAIlE%2Fuploads%2Fgit-blob-e774f60a9d9cedaba993eb31b0b2bf95f6f6f657%2Fwallet.jpg?alt=media">wallet.jpg</a></td></tr><tr><td><strong>Pay Later</strong></td><td></td><td></td><td><a href="payment-methods-setup/pay-later">pay-later</a></td><td><a href="https://1943537505-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fkf7BGdsPkCw9nalhAIlE%2Fuploads%2Fgit-blob-f8cc807491007c960cdbe1dbd2169b878d3d4527%2FpayLater.jpg?alt=media">payLater.jpg</a></td></tr><tr><td><strong>Banks</strong></td><td></td><td></td><td><a href="payment-methods-setup/banks">banks</a></td><td><a href="https://1943537505-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fkf7BGdsPkCw9nalhAIlE%2Fuploads%2Fgit-blob-6ccd8151750cf2fe0576e61c9a8303805746fc5a%2Fbanks.jpg?alt=media">banks.jpg</a></td></tr><tr><td><strong>Crypto</strong></td><td></td><td></td><td><a href="payment-methods-setup/crypto">crypto</a></td><td><a href="https://1943537505-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fkf7BGdsPkCw9nalhAIlE%2Fuploads%2Fgit-blob-4ea0517bc5355093263b126ff2fba4cc2545c7d2%2Fcrypto.jpg?alt=media">crypto.jpg</a></td></tr><tr><td><strong>Test credentials</strong></td><td></td><td></td><td><a href="payment-methods-setup/test-credentials">test-credentials</a></td><td><a href="https://1943537505-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fkf7BGdsPkCw9nalhAIlE%2Fuploads%2Fgit-blob-8b56a5bd686ba1c632a386984b2c023326ab1ba9%2FtestCred.jpg?alt=media">testCred.jpg</a></td></tr></tbody></table>

### Payment methods overview

Here's a quick summary of how different payment methods work to help you decide the best payment methods for your business

<table><thead><tr><th width="184">Payment Method</th><th>Supported payment flows</th><th>Payment lifecycle</th></tr></thead><tbody><tr><td>Credit &#x26; debit cards</td><td><ul><li>One time payments</li><li>Recurring payments</li><li>Auth &#x26; capture</li></ul></td><td>Immediate confirmation</td></tr><tr><td>Digital wallets &#x26; buy now pay later</td><td><ul><li>One time payments</li><li>Recurring payments</li></ul></td><td>Immediate confirmation</td></tr><tr><td>Bank transfers</td><td><ul><li>One time payments</li></ul></td><td>Delayed confirmation</td></tr><tr><td>Bank debits</td><td><ul><li>One time payments</li><li>Recurring payments</li><li>Auth &#x26; capture</li></ul></td><td>Delayed confirmation</td></tr><tr><td>Bank redirects</td><td><ul><li>One time payments</li></ul></td><td>Immediate confirmation</td></tr><tr><td>Crypto wallets</td><td><ul><li>One time payments</li><li>Recurring payments</li></ul></td><td>Immediate confirmation</td></tr></tbody></table>