{"templateId":"markdown","versions":[{"version":"v1","label":"v1","link":"/api-reference/v1/components/docs/payment-methods","default":true,"active":false,"folderId":"1b9c9f54"},{"version":"v2","label":"v2 (Beta)","link":"/api-reference/v2/components/docs/payment-methods","default":false,"active":true,"folderId":"1b9c9f54"}],"sharedDataIds":{},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"Flute Developer","siteUrl":"https://developer.flute.com","description":"Documentation and API reference for integrating Flute payment processing.","lang":"en-US","llmstxt":{"hide":true,"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"id":"payment-methods-overview"},"children":[]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A payment method is a stored, tokenized payment record that can be used to process transactions."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A stored record is created once and may be used for all future transactions."," ","This includes submitting the raw card and account details only once, when it is first created."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Tokenization means the sensitive payment data, such as the raw card number or bank account number, is submitted to Flute once."," ","After that, Flute assigns a non-sensitive value to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentMethodId"]},"."," ","The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentMethodId"]}," is then used as the payment reference for later transactions."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Payment methods can be set to one of the following types: linked to a customer or an orphan."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Linked to a customer"]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}," ","A customer is a defined business entity."," ","Information includes the company name, the owner's name, billing and shipping addresses, and different kinds of payment mentdos."," ","Rather than re-entering the information, it can be saved and used later as needed."," ","A payment method linked to a customer can be used by referencing the customer using the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["customerId"]}," value."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["An orphan"]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}," ","An orphan payment method is a stored payment method (card or ACH account) that belongs to the merchant directly."," ","If the customerId is omitted from the payment method, the payment method is created as an orphan."," ","It exists in the merchant's vault but has no customer record associated with it."," ","A practical use case would be for a one-time transaction that uses a tokenize card but without creating a full customer profile."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["There are two types of payment method: Cards and ACH."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Cards"]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}," ","Credit or debit cards are stored as a token."," ","The raw card number is never fully displayed."," ","It always uses a masked card number, such as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["************1111"]},"."," ","A card payment type includes a card type (such as Visa or MasterCard), credit or debit card type, expiration date, and an optional payment name, a name recognizable to the merchant."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["ACH accounts"]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}," ","ACH accounts are electronic bank accounts transfers."," ","They are stored with routing number, account number, account type (Checking/Savings), and account holder type (Personal/Business)"," ","Business ACH accounts also carry a payment name, a name recognizable to the merchant."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Either can be marked as the default payment method for a customer but only one payment method may set as the default at a time."]}]},"headings":[],"frontmatter":{"seo":{"title":""}},"lastModified":"2026-07-08T15:40:38.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/api-reference/v2/components/docs/payment-methods","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}