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Why is the payment method I switched on missing from my checkout?

Short answer

systeme.io's help articles set the same two conditions for all eleven extra payment methods covered here, such as Klarna, iDEAL and Mollie. The method has to be set up with the gateway itself, and the funnel's own currency has to be one it accepts. Eight of them also need certain fields on the order form, usually including the email address, for the payment to work.

Two shared conditions, and a third for most

Eleven extra payment methods, iDEAL, Bancontact, Klarna, Multibanco, Mollie, GoCardless, Razorpay, Flutterwave, Mercado Pago, Xendit and Secure and Pay, each come with the same two conditions in systeme.io's help articles: set up with the gateway itself, and a funnel currency it actually accepts. Most of them add a third: the order form has to carry specific fields, which their articles say are needed for the payment to work.

Enabled somewhere that is not systeme.io

For Klarna and Multibanco, the switch is inside your own Stripe dashboard: Settings, then Payments, then Payment methods, where each one sits Disabled until you turn it on. iDEAL and Bancontact need to be integrated and enabled in Stripe, plus SEPA Direct Debit enabled on the account, before systeme.io will do anything with them.

The separate gateways, Mollie, GoCardless, Razorpay, Flutterwave, Mercado Pago, Xendit and Secure and Pay, are connected under Settings, then Payment Gateways. Mollie has an extra step: which payment methods it actually accepts is chosen inside the Mollie dashboard itself, under Settings, then Profiles, then Payment methods. Connecting the account is not the same as switching anything on there.

The currency each method accepts

systeme.io states this in near-identical wording for Klarna and Multibanco: once the method is enabled in Stripe and the funnel is using a supported currency, the option automatically appears in Funnel settings.

The Edit funnel dialog in systeme.io, with the Accepted payment methods section highlighted.
It holds two ticked boxes, Credit or debit card and Apple Pay, and nothing else: no iDEAL, Bancontact, Klarna, Multibanco or separate gateways. This funnel was new and set to Euro.

iDEAL and Bancontact only ever take EUR, and Multibanco is the same. Klarna's accepted currencies depend on where your own Stripe account is registered: only the local currency for merchants in the US, Canada, Australia or New Zealand, and a choice of nine currencies for merchants in the European countries systeme.io's Klarna article lists, the UK, Switzerland and Norway among them. Every separate gateway's integration page lists the currencies it supports. What none of them documents is what an unsupported currency actually does: hide the checkbox, raise an error, or let the payment fail without saying why.

The fields the order form has to carry

Eight of the methods name fields that have to be on the order form for the payment to work.

MethodWhat the order form must include
MollieEmail
GoCardlessEmail
BancontactEmail and first name
KlarnaCountry
RazorpayEmail, first name, last name and phone number
Mercado PagoEmail, first name, last name, country and VAT number
FlutterwaveEmail
Secure and PayEmail, first name and last name

systeme.io's own wording for several of these is direct: without the field, the gateway cannot process the transaction. iDEAL, Multibanco and Xendit document no extra field beyond the currency and enablement conditions above.

How I checked this answer

Nothing on this site is written from memory. These are the sources I checked to write this answer, and the date I checked them.

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