# Payment methods (/en/features/checkout-customization/payment-methods)
Configure which payment methods appear on your checkouts, with multiple configurations and a default per merchant.
The **Payment methods** settings page lists every payment method configuration on your account. A configuration is a named set of payment methods you've enabled for customers, like card, Fawry, Valu, or mobile wallets. One configuration is marked **Default** and applies to every checkout that doesn't ask for a specific one. You can have multiple configurations on the same account, each with its own enabled methods, and pick which one a Checkout Session uses through the API.
This page covers how to read your configurations, create a new one, toggle methods on or off, rename a configuration, and what determines the set of methods you can pick from.
## What you can do [#what-you-can-do]
Different configurations for different products, brands, or sales channels. Each carries its own
enabled methods.
Exactly one configuration is the default. It applies to every checkout that doesn't override.
Each available payment method can be toggled on or off per configuration. At least one method
must stay enabled.
The list shows only the payment methods your account is provisioned for. Contact support to add
more at the processor level.
## Open the payment methods settings [#open-the-payment-methods-settings]
In the dashboard sidebar, click your account menu and pick **Settings**, then click **Payment methods**.
## Configurations and the default [#configurations-and-the-default]
The list page shows every configuration on your account.
| Column | What it shows |
| ------------------------- | ----------------------------------------------------------------------------------------------------------------------------------- |
| **Payment configuration** | The configuration's name. The default configuration carries an info tip: "This configuration is used by default for your payments." |
| **Methods** | The number of currently enabled methods (e.g. `5 methods`). Shows `-` when none are enabled. |
| **Configuration ID** | The `pmc_*` ID, in monospace. |
| **Last updated** | When the configuration was last edited. |
Click any row to open the configuration's detail page.
**Exactly one configuration is the default.** The dashboard enforces this at the database level, so the default never moves out from under you accidentally. To change which configuration is default, contact support today.
## Create a configuration [#create-a-configuration]
### Click Create [#click-create]
In the top right of the **Payment methods** page, click **Create**. A side sheet opens, titled **Create new configuration**.
### Name the configuration [#name-the-configuration]
Fill in **Name configuration**. The name is required and shows up across the dashboard, so pick something memorable that describes the configuration's purpose ("Online store", "Wholesale checkout", "Egypt-only").
### Click Create [#click-create-1]
In the bottom of the sheet, click **Create**. The configuration is created with no methods enabled, you land on the configuration's detail page, and a "Configuration created successfully" toast confirms.
### Enable the methods you want [#enable-the-methods-you-want]
The detail page lists every available method. Click the toggle on each method you want to accept. See the next section for the full flow.
If you don't see the **Create** button, your role lacks the payment-methods write permission. Ask an account admin to grant it.
## Toggle payment methods [#toggle-payment-methods]
The configuration detail page lists every payment method available on your account. Click any configuration on the list page to open its detail.
### Three filter tabs [#three-filter-tabs]
A row of three tabs across the top counts and filters the list:
* **All** shows every available method.
* **Enabled** shows only the ones currently turned on.
* **Disabled** shows the rest.
Each tab carries its current count, so you can see at a glance how many methods this configuration accepts.
### Enabled methods sort first [#enabled-methods-sort-first]
In the **All** view, methods are grouped: enabled methods on top in display order, then disabled methods. The order roughly tracks how prominent each method is at checkout, with the most common methods (card and the popular local options) at the top.
### The Enable / Disable toggle [#the-enable--disable-toggle]
Each row has a toggle. Click to flip the method on or off. The change saves immediately, with a "Configuration updated" toast.
**At least one method must stay enabled.** When a configuration has only one enabled method left, the toggle on that method is disabled to prevent you from saving an empty configuration. The toast on the protected method reads "At least one payment method must be enabled."
Click anywhere on a method's row (other than the toggle) to open a detail sheet with extra information about that method (currency support, processor restrictions, customer flow).
## Rename a configuration [#rename-a-configuration]
On the detail page, click **Rename** in the top right. A small sheet opens with the current name pre-filled. Update it and click **Save**.
**The default configuration can't be renamed.** The button is disabled with a tooltip explaining why. If you need to change the default's name, contact support.
## What payment methods are available [#what-payment-methods-are-available]
This page shows the methods your account can accept, not everything XPay supports. If a method isn't listed here, you can't accept it yet.
To add one, contact support. The toggles only turn your existing methods on and off.
## Where a configuration is used [#where-a-configuration-is-used]
The configuration that applies to a checkout is decided in one of three places.
| Surface | How a configuration is picked |
| -------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Checkout Session, no configuration set** | The **default** configuration applies. The most common path for merchants running one set of methods. |
| **Checkout Session, explicit configuration** | The named configuration applies. Set through the API when you create the session. |
| **Payment Link** | Each Payment Link's detail page has a **Payment methods** section with a **Manage** button. The link follows your default configuration unless you pin it to a specific one. See [Payment methods on a link](/features/payment-links#payment-methods-on-a-link). |
Most integrations never set anything in the API. To stop offering a method, turn it off on the default configuration. That's the whole job.
Use the API only when different sessions need different methods. See the developer-side [Advanced configuration](/integrate/checkout-session/advanced-configuration#payment-methods).
## Where to next [#where-to-next]
Logo, colors, locale, and the rest of the customer-facing look.
Pin a Checkout Session to a specific payment method configuration through the API.