Payment Options

With the Payrails Merchant Portal, you can optimize payment acceptance rates and lower processing costs by controlling the payment options [and the order in which they’re] presented to different customers, with conditions based on customer attributes and the context of a given payment. The payment options you can enable will depend on your processor integrations.

Payment options configuration in the Payrails Merchant Portal

If you’re using the Payrails drop-in, we take care of looking up and presenting your payment options when a customer checks out. If you have a pure API integration, you can call the Lookup payment options API to get the available payment options and present them to your customer in your own checkout front end. For more details, see our guide Lookup payment options.

{
  "id": "e1f510db-ea53-42fa-837c-27ce338ab385",
  "code": "card",
  "description": "Card.",
  "paymentInstruments": [
    {
      "id": "4763f494-a244-4318-9a0b-47c3434e2cc0",
      "holderName": "John Doe",
      "email": "john.doe@gmail.com",
      "bin": "411111",
      "suffix": "1111",
      "expiryMonth": "12",
      "expiryYear": "2030",
      "network": "Visa",
      "issuer": "SomeBank"
    }
  ]
}

Payment options will only be presented if they are enabled for configured payment processors. However, the lookup is independent of any processor, as we handle the processor selection for you via dynamic routing.

Last modified on September 30, 2026

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