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Payment Method

Instant/Delayed

Type

Region

PayPal

Instant

Multiple

Most Regions

Cards (Visa, Mastercard, debit card, etc)

Instant

Cards

All Regions

Amazon Pay

Instant

Wallet

All Regions

Apple Pay

Instant

Wallet

All Regions

CashApp Pay

Instant

Wallet

United States

Google Pay

Instant

Wallet

All Regions

Link

Instant*

Wallet

All Regions

Stablecoins/Crypto

Delayed

Wallet

All Regions

Bancontact

Instant

Bank redirect

Belgium

BLIK

Instant

Bank redirect

Poland

EPS

Instant

Bank redirect

Austria

iDEAL | Wero

Instant

Bank redirect

Netherlands

Affirm

Instant

Buy Now, Pay Later

United States, Canada

Afterpay / Clearpay

Instant

Buy Now, Pay Later

Australia, Canada, New Zealand, United Kingdom, United States

Klarna

Instant

Buy Now, Pay Later

All Regions

Sunbit

Instant

Buy Now, Pay Later

United States

Zip

Instant

Buy Now, Pay Later

Australia, United States

ACH Direct Debit

Delayed (typically 2–4 business days)

Bank debit

United States

SEPA Direct Debit

Delayed (typically ~5 business days)

Bank debit

Europe

Bank Transfers

Delayed (varies by bank and country; typically 1–5 business days)

Bank transfers

Europe, United Kingdom, Japan, Mexico, United States

Pix

Instant

Real-time payments

Brazil

* Link is instant when backed by cards or instant bank payments. If Link is configured to use ACH debit rails, it inherits ACH's delayed processing characteristics.