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

# Checkout Payment Methods

> Meru Checkout supports paying from crypto exchanges and wallets, and paying in local currency via QR Bolivia. Force one method or let the customer choose.

Meru Checkout supports two payment methods. Set `paymentMethod` when
[creating a session](/api-reference/checkout/create-session) to force one, or omit
it to let the customer choose.

<Tabs>
  <Tab title="Crypto exchanges & wallets">
    **`paymentMethod: "crypto-exchanges"`**

    The customer pays from an exchange or wallet they already use — Binance, Coinbase,
    MetaMask, and many others. Funds settle as **USDC/USDT on Polygon** to the
    merchant's address. This method opens automatically when selected.

    * Set `amountFiat` — it is **required** for this method.
    * Use `token` to choose the stablecoin to receive (`USDC` or `USDT`, default
      `USDC`).
    * Once settled, the session exposes `chain`, `token`, and `txHash`.

    ```bash cURL theme={null}
    curl -X POST https://checkout-api.meru.com/v1/checkouts \
      -H "Authorization: Bearer sk_live_<your-checkout-secret-key>" \
      -H "Content-Type: application/json" \
      -d '{
        "amountFiat": 50,
        "fiatCurrency": "USD",
        "paymentMethod": "crypto-exchanges",
        "token": "USDC",
        "reference": "order_123"
      }'
    ```
  </Tab>

  <Tab title="QR Bolivia">
    **`paymentMethod: "qr-bolivia"`**

    The customer pays in local currency (Bs/BOB) by scanning a QR with their bank app.
    The checkout page captures the amount (if not preset) plus the customer's name,
    email, and document, then shows the QR, the local amount, and the USD→BOB rate.

    * `amountFiat` is **optional** — the QR form can capture it from the customer.
    * Once a QR is generated, the session's [`qr` object](/api-reference/checkout/payment-status#the-qr-object)
      is populated with `qrCode`, `qrPayload`, `localAmount`, `localCurrency`, and
      `rate`.

    ```bash cURL theme={null}
    curl -X POST https://checkout-api.meru.com/v1/checkouts \
      -H "Authorization: Bearer sk_live_<your-checkout-secret-key>" \
      -H "Content-Type: application/json" \
      -d '{
        "paymentMethod": "qr-bolivia",
        "fiatCurrency": "USD",
        "reference": "order_123"
      }'
    ```
  </Tab>
</Tabs>

## Letting the customer choose

If you omit `paymentMethod`, the checkout shows a **method chooser**. Only the
methods your account has enabled and configured appear, and the session's
`availableMethods` array reflects them.

```js Node.js theme={null}
const res = await fetch("https://checkout-api.meru.com/v1/checkouts", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.MERU_CHECKOUT_SECRET_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    amountFiat: 50,
    fiatCurrency: "USD",
    reference: "order_123",
    // no paymentMethod -> customer chooses among availableMethods
  }),
});

const session = await res.json();
// session.availableMethods -> e.g. ["mesh", "qr_bolivia"]
```

<Note>
  The API accepts `crypto-exchanges` and `qr-bolivia` as input values. On the
  session object these are reported as `mesh` (crypto exchanges) and `qr_bolivia`
  respectively, and `availableMethods` uses those same values.
</Note>