Use automatic_payment_methods on a Stripe PaymentIntent to dynamically include BNPL methods (Klarna, Afterpay, Affirm) alongside cards without listing each method explicitly

In-depth guide

Steps

1. POST /v1/payment_intents with automatic_payment_methods={enabled: true} instead of specifying payment_method_types; Stripe returns all payment methods enabled for your account and the transaction's currency and country
2. Ensure Klarna, Afterpay, and Affirm are enabled in your Stripe Dashboard under Settings > Payment Methods; only enabled methods are surfaced through automatic_payment_methods
3. Use Stripe.js and the Payment Element client-side; the Payment Element automatically presents eligible BNPL options to the customer based on their country and the cart amount
4. Handle the next_action redirect generically via Stripe.js confirmPayment with redirect='if_required'; the SDK manages redirect vs. card flow automatically
5. After redirect return, use stripe.retrievePaymentIntent(clientSecret) client-side or GET /v1/payment_intents/<id> server-side to confirm final status