# Payment Methods

ZevPay Checkout supports multiple payment methods. Each method is selected by the customer during checkout.

## Bank Transfer

The most common payment method in Nigeria. ZevPay generates a **temporary virtual account** for each checkout session.

**How it works:**
1. Customer selects "Bank Transfer"
2. ZevPay generates a temporary virtual account
3. Customer transfers the exact amount from any Nigerian bank
4. ZevPay confirms the transfer automatically
5. Session is marked as completed

**Key details:**
- Account is valid for 30 minutes (matches session expiry)
- Amount must match exactly
- Settlement is instant

## ZevPay ID (PayID)

Peer-to-peer payment using the ZevPay app.

**How it works:**
1. Customer selects "ZevPay ID"
2. ZevPay creates a dynamic PayID (e.g., `abc3.dypid`)
3. Customer opens the ZevPay app and sends to the PayID
4. Payment is confirmed instantly
5. Session is marked as completed

**Key details:**
- Dynamic PayIDs expire with the session
- Amount must match exactly
- QR code is provided for easy scanning

## Card Payments

::: info Coming soon
Card payment processing is coming soon.
:::

## Specifying payment methods

Control which methods are available per session:

```json
{
  "payment_methods": ["bank_transfer", "payid"]
}
```

Valid values: `bank_transfer`, `payid`, `card` (when available)

If not specified, the methods configured on your API key or account settings are used.