Payment Methods
Miracle supports multiple payment methods. Available methods depend on your configuration and the customer's location.
How payment methods work
Payment methods are configured per terminal and channel by your operator (tenant). Here is what happens at each integration level:
- HPP (Hosted Payment Page) — the customer sees all available payment methods automatically and picks one. No extra work on your side.
- Direct API — you can pass the optional
paymentMethodfield when creating a payment to specify or filter the method. If omitted, Miracle selects based on configuration and routing rules.
When creating a payment, Miracle resolves available methods from the terminal configuration, the payment currency, and the customer's country.
Supported method types
| Type | Description | Examples | Availability |
|---|---|---|---|
card | Credit and debit cards | Visa, Mastercard, Amex | Global |
bank_transfer | Bank-initiated transfers | SEPA, Wire transfer | Regional |
wallet | Digital wallets | Apple Pay | Global |
google_pay | Google Pay | Google Pay | Global |
bnpl | Buy now, pay later | Klarna | Regional |
local | Local/regional payment methods | iDEAL, Bancontact, Przelewy24 | Regional |
cash | Cash-based payments | Cash vouchers | Regional |
qr | QR code payments | QR-based mobile payments | Regional |
agent_token | Agent-based tokenized payments | Stored payment tokens via agent | Global |
The actual available methods depend on your provider configuration and terminal setup. Contact your operator for the full list of methods enabled for your account.
Currency and country restrictions
Some payment methods are restricted by currency, country, or both:
- iDEAL — EUR only, Netherlands.
- Bancontact — EUR only, Belgium.
- Przelewy24 — PLN only, Poland.
- SEPA — EUR only, SEPA zone countries.
If a payment's currency or country does not match a method's requirements, that method is automatically excluded from the available options.
Related
- HPP Integration — embed the hosted payment page where methods are shown automatically
- Payment Lifecycle — how a payment moves through statuses regardless of method
- First Payment — create your first payment end to end