> For the complete documentation index, see [llms.txt](https://docs.digitalriver.com/digital-river-api/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.digitalriver.com/digital-river-api/payments/payment-integrations-1.md).

# Payment solutions

The payment solution(s) you use depends on whether customers [purchase products and services in a checkout flow](#payments-in-checkout-flows) or [manage their payment methods in a self-service portal](#payment-method-management-flows).

You can [use Digital River Dashboard to enable or disable payment methods](/digital-river-api/administration/dashboard/settings/payment-methods/disabling-a-payment-method.md).

## Payments in checkout flows

How you collect payment in checkout flows depends on whether you select the [Low-code checkouts](#low-code-checkouts) or [Direct integrations](#components-1) approach.

### Low-code checkouts

In [Low-code checkouts](#low-code-checkouts), how you collect payment depends on whether you're using [Prebuilt Checkout](#prebuilt-checkout) or [Components](#components).

#### Prebuilt Checkout

If you're using [Prebuilt Checkout](/digital-river-api/integration-options/low-code-checkouts/drop-in-checkout.md), payment is collected within the [checkout modal](/digital-river-api/integration-options/low-code-checkouts/drop-in-checkout.md#payment). Digital River then associates the resulting [source(s)](https://docs.digitalriver.com/digital-river-api-reference/2021-12-13/sources) with the underlying [checkout](https://docs.digitalriver.com/digital-river-api-reference/2021-12-13/checkouts) and, if customers opt to save a [reusable payment method](/digital-river-api/payments/supported-payment-methods.md) to their account, the [customer ](https://docs.digitalriver.com/digital-river-api-reference/2021-12-13/customers)as well.

![Drop-in Checkout](/files/HuVtx6DKjtYg7BsK6HTS)

#### Components

If you [integrate with components](/digital-river-api/integration-options/low-code-checkouts/implementing-a-components-checkout.md), you can use either the [payment component](/digital-river-api/developer-resources/digitalrivercheckout.js-reference/digitalrivercheckout-object/components/payment-component.md) or the [wallet component](/digital-river-api/developer-resources/digitalrivercheckout.js-reference/digitalrivercheckout-object/components/wallet-component.md) to collect a customer's payment at checkout time.

{% tabs %}
{% tab title="Wallet component" %}
![](/files/SV3hjR4bNpncL30MnwXD)
{% endtab %}

{% tab title="Payment component" %}
![](/files/szVYamslpbU2SSGOfugX)
{% endtab %}
{% endtabs %}

### Direct Integrations <a href="#components" id="components"></a>

If you select the [Direct integrations](/digital-river-api/integration-options/checkouts.md) option, you'll need to use [Drop-in payments](/digital-river-api/payments/payment-integrations-1/drop-in.md) or [Elements](/digital-river-api/payments/payment-integrations-1/digitalriver.js/quick-start.md) to collect payment during the [checkout process](/digital-river-api/integration-options/checkouts/creating-checkouts.md).

![Drop-in payments](/files/dtMxHmBgYnWQ8jA5Bh8w)

In either case, you're responsible for associating a transaction's payment [source(s)](https://docs.digitalriver.com/digital-river-api-reference/2021-12-13/sources) with the [customer ](https://docs.digitalriver.com/digital-river-api-reference/2021-12-13/customers)and/or the [checkout](https://docs.digitalriver.com/digital-river-api-reference/2021-12-13/checkouts). For more details, refer to:

* [Purchase flows](/digital-river-api/integration-options/checkouts/building-you-workflows.md#purchase-flows) on the [Building payment workflows](/digital-river-api/integration-options/checkouts/building-you-workflows.md) page
* [Source basics](/digital-river-api/payments/payment-sources.md)
* [Managing sources](/digital-river-api/payments/payment-sources/using-the-source-identifier.md)

## Payment method management flows

If you allow registered customers to save their [payment methods](/digital-river-api/payments/supported-payment-methods.md) for future transactions, you'll need to give them access to a self-service account management portal. This portal should include a section for customers to add, delete, and update their payment methods.

![](/files/jOCMpDaof80KNDuqh5jM)

When building payment method management flows, you'll likely use a combination of [Drop-in payments](/digital-river-api/payments/payment-integrations-1/drop-in.md) and [DigitalRiver.js with elements](/digital-river-api/payments/payment-integrations-1/digitalriver.js/quick-start.md). For more details, refer to:

* [Account management flows](/digital-river-api/integration-options/checkouts/building-you-workflows.md#account-management-flows) on the [Building payment workflows](/digital-river-api/integration-options/checkouts/building-you-workflows.md) page
* The [Managing sources](/digital-river-api/payments/payment-sources/using-the-source-identifier.md) page