> ## Documentation Index
> Fetch the complete documentation index at: https://primer.io/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Pinless Debit via Checkout.com

> Let customers pay using Pinless Debit via Checkout.com in the United States.

Pinless Debit via Checkout.com routes US debit card transactions over major debit networks (Star, Accel, NYCE, Pulse) as well as Visa, Mastercard, and Discover signature networks. USD only; available for e-commerce (manual capture) and bill pay (auto-capture, recurring). 3DS is not supported.

| One off payment | Refunds | Recurring | Cancel |
| - | - | - | - |
| ✓ | ✓ | ✓ | ✓ |

> [!NOTE]
>
> 3DS is not supported for Pinless Debit. Post-authorization rules and smart retries/dunning are not available for bill pay. Pinless Debit is available via Checkout.com's Unified Payments API only. Contact your Checkout.com account manager to enable it.

## Get started with Pinless Debit via Checkout.com

### Before you begin

If this is your first payment method, follow the [Get started guide](https://primer.io/docs/get-started/overview.md) to begin processing payments with Primer.

### Configure in the Dashboard

1. **Add Checkout.com to your Dashboard**\

   Go to [Integrations](https://dashboard.primer.io/integrations), click **New Integration**, and search for Checkout.com. Enter your Checkout.com credentials.

2. **Activate on the Checkout**\

   Go to [Checkout](https://dashboard.primer.io/checkout) and activate Pinless Debit.

3. **Configure a Workflow**\

   Ensure a Workflow with an **Authorization** action is set up. For e-commerce, add a **Capture** step. Bill pay payments auto-capture.

### Prepare the client session

No additional fields are required beyond the standard `orderId`, `currencyCode`, `amount`, and `customer` fields.

## Prepare the SDK for payments

> [tab] Web
>
> > [!NOTE]
> >
> > Use the payment method type `CHECKOUT_PINLESS_DEBIT` wherever the code below references `YOUR_PAYMENT_METHOD_TYPE`.
>
> > [tab] Primer Checkout (recommended)
> >
> > Primer Checkout is our latest web SDK, built around declarative web components. Once Pinless Debit is enabled in your [Dashboard](https://dashboard.primer.io/checkout), the default `<primer-checkout>` layout renders it automatically alongside your other methods — no payment-method-specific markup is required.
> >
> > ```html theme={"dark"}
> > <primer-checkout client-token="your-client-token"></primer-checkout>
> > ```
> >
> > #### Custom layouts
> >
> > Only reach for [primer-payment-method](https://primer.io/docs/sdk/primer-checkout-web/components/primer-payment-method.md) if you're building a custom layout and need to place Pinless Debit at a specific position. The element only renders when the type is enabled in your Dashboard and returned by the server for this checkout.
> >
> > ```html theme={"dark"}
> > <primer-checkout client-token="your-client-token">
> >   <primer-main slot="main">
> >     <div slot="payments">
> >       <primer-payment-method type="YOUR_PAYMENT_METHOD_TYPE"></primer-payment-method>
> >     </div>
> >   </primer-main>
> > </primer-checkout>
> > ```
> >
> > For dynamic rendering based on what the server returns, listen to [primer:methods-update](https://primer.io/docs/sdk/primer-checkout-web/events-reference.md) or use [primer-payment-method-container](https://primer.io/docs/sdk/primer-checkout-web/components/primer-payment-method-container.md) for declarative filtering.
>
> > [tab] Universal Checkout (legacy)
> >
> > ##### Set up redirects
> >
> > If Pinless Debit can't be shown in a popup, Universal Checkout redirects the customer back to your site using the `returnUrl` passed in the `redirect` options. See [Handle redirects & deep links](https://primer.io/docs/sdk/web/v2.x.x/handle-redirects-and-deeplinks.md#set-up-redirects) for the full flow.
> >
> > ```typescript theme={"dark"}
> > const options = {
> >   container: "#checkout-container",
> >   redirect: {
> >     returnUrl: "https://mystore.com/checkout",
> >   },
> >   onCheckoutComplete({ payment }) {
> >     console.log("Checkout complete.", payment);
> >   },
> > };
> > ```
> >
> > ##### Show Universal Checkout
> >
> > Pinless Debit is automatically presented when calling [Primer.showUniversalCheckout](https://primer.io/docs/sdk/web/v2.x.x/primer/methods/showUniversalCheckout.md).
> >
> > ```typescript theme={"dark"}
> > import { Primer } from "@primer-io/checkout-web";
> >
> > try {
> >   await Primer.showUniversalCheckout(clientToken, options);
> > } catch (e) {
> >   // handle error
> > }
> > ```
> >
> > Check the [customization guide](https://primer.io/docs/checkout/drop-in/customization.md#styling-payment-method-button) to learn how to customize payment method buttons.
>
> > [tab] Headless Universal Checkout (legacy)
> >
> > Create a `RedirectPaymentMethodManager` for Pinless Debit using [createPaymentMethodManager](https://primer.io/docs/sdk/web/v2.x.x/primer-headless-checkout/methods/createPaymentMethodManager.md#redirect), then call `start()` to begin the redirect flow.
> >
> > ```typescript theme={"dark"}
> > const manager = await headless.createPaymentMethodManager("YOUR_PAYMENT_METHOD_TYPE");
> >
> > if (manager) {
> >   manager.addEventListener("click", () => {
> >     // Optional: run custom logic before the redirect flow starts.
> >   });
> >
> >   await manager.start();
> > }
> > ```
> >
> > Refer to the full guide for [handling payment methods with redirect](https://primer.io/docs/checkout/headless.md#step-4c-handle-payment-methods-with-redirect).

> [tab] iOS
>
> > [!NOTE]
> >
> > Use the payment method type `CHECKOUT_PINLESS_DEBIT` wherever the code below references `YOUR_PAYMENT_METHOD_TYPE`.
>
> #### Set up redirects
>
> Redirect-based payment methods present a webpage or open a third-party app for the customer to authorize the payment. To return to your app once the customer has authorized the payment, include the `urlScheme` parameter when configuring `PrimerPaymentMethodOptions`.
>
> ```swift theme={"dark"}
> let settings = PrimerSettings(
>   // ...
>   paymentMethodOptions: PrimerPaymentMethodOptions(
>     urlScheme: "your-url-scheme://" // e.g. primer://, yourscheme://
>   )
>   // ...
> )
> ```
>
> When the customer is redirected back to your app, iOS calls `application(_:continue:restorationHandler:)`. Forward the call to the Primer SDK so the checkout can continue the flow.
>
> ```swift theme={"dark"}
> import PrimerSDK
> import UIKit
>
> @UIApplicationMain
> class AppDelegate: UIResponder, UIApplicationDelegate {
>   // ...
>   func application(
>     _ application: UIApplication,
>     continue userActivity: NSUserActivity,
>     restorationHandler: @escaping ([UIUserActivityRestoring]?) -> Void
>   ) -> Bool {
>     return Primer.shared.application(
>       application,
>       continue: userActivity,
>       restorationHandler: restorationHandler
>     )
>   }
> }
> ```
>
> #### Show the payment method
>
> > [tab] Universal Checkout (drop-in)
> >
> > Pinless Debit is automatically presented when calling [Primer.shared.showUniversalCheckout](https://primer.io/docs/sdk/ios/v2.x.x/primer/methods/showUniversalCheckout.md).
> >
> > ```swift theme={"dark"}
> > class MyViewController: UIViewController {
> >   func startUniversalCheckout() {
> >     Primer.shared.showUniversalCheckout(clientToken: self.clientToken)
> >   }
> > }
> > ```
> >
> > Check the [customization guide](https://primer.io/docs/checkout/drop-in/customization.md#styling-payment-method-button) to learn how to customize payment method buttons.
>
> > [tab] Headless Universal Checkout
> >
> > Pinless Debit requires a [Native UI Manager](https://primer.io/docs/checkout/headless.md#native-ui-manager) to be presented to the customer.
> >
> > ```swift theme={"dark"}
> > // 👇 Create the payment method manager
> > let nativeUIPaymentMethodManager = try PrimerHeadlessUniversalCheckout.NativeUIManager(
> >   paymentMethodType: "YOUR_PAYMENT_METHOD_TYPE"
> > )
> >
> > // 👇 Show the payment method
> > try nativeUIPaymentMethodManager.showPaymentMethod(intent: .checkout)
> > ```
> >
> > See [NativeUIManager.init](https://primer.io/docs/sdk/ios/v2.x.x/primer-headless-checkout/native-ui-manager/init.md) for the full API. As many redirect-based payment methods share this approach, we recommend centralizing the implementation — see the worked example in the [Native UI Manager guide](https://primer.io/docs/checkout/headless.md#native-ui-manager).

> [tab] Android
>
> > [!NOTE]
> >
> > Use the payment method type `CHECKOUT_PINLESS_DEBIT` wherever the code below references `YOUR_PAYMENT_METHOD_TYPE`.
>
> > [tab] Universal Checkout (drop-in)
> >
> > Pinless Debit is automatically presented when calling [Primer.instance.showUniversalCheckout](https://primer.io/docs/sdk/android/v2.x.x/primer/methods/showUniversalCheckout.md).
> >
> > ```kotlin theme={"dark"}
> > class CheckoutActivity : AppCompatActivity() {
> >   private fun setupObservers() {
> >     viewModel.clientToken.observe(this) { clientToken ->
> >       showUniversalCheckout(clientToken)
> >     }
> >   }
> >
> >   private fun showUniversalCheckout(clientToken: String) {
> >     Primer.instance.showUniversalCheckout(this, clientToken)
> >   }
> > }
> > ```
> >
> > Check the [customization guide](https://primer.io/docs/checkout/drop-in/customization.md#styling-payment-method-button) to learn how to customize payment method buttons.
>
> > [tab] Headless Universal Checkout
> >
> > Pinless Debit requires a [Native UI Manager](https://primer.io/docs/checkout/headless.md#native-ui-manager) to be presented to the customer.
> >
> > ```kotlin theme={"dark"}
> > // 👇 Create the payment method manager
> > val nativeUiManager = PrimerHeadlessUniversalCheckoutNativeUiManager.newInstance("YOUR_PAYMENT_METHOD_TYPE")
> >
> > // 👇 Show the payment method
> > nativeUiManager.showPaymentMethod(this, PrimerSessionIntent.CHECKOUT)
> > ```
> >
> > See [NativeUiManager.newInstance](https://primer.io/docs/sdk/android/v2.x.x/primer-headless-checkout/native-ui-manager/newInstance.md) for the full API. As many redirect-based payment methods share this approach, we recommend centralizing the implementation — see the worked example in the [Native UI Manager guide](https://primer.io/docs/checkout/headless.md#native-ui-manager).

## Go live

Use production Checkout.com credentials. Pinless Debit is available in the US with USD only. Confirm debit network routing with your account manager.


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