{"templateId":"openapi_docs","versions":[{"version":"v1","label":"v1","link":"/api-reference/payment-methods","default":true,"active":false,"folderId":"1b9c9f54"},{"version":"v2","label":"v2 (Beta)","link":"/api-reference/v2/payment-methods","default":false,"active":true,"folderId":"1b9c9f54"}],"sharedDataIds":{"openAPIDocsStore":"oas-api-reference/@v2/index.yaml","sidebar":"sidebar-sidebar.yaml__api-reference_v2"},"props":{"definitionId":"api-reference/@v2/index.yaml","dynamicMarkdocComponents":[],"baseSlug":"/api-reference/v2","seo":{"title":"Payment Methods","siteUrl":"https://developer.flute.com","description":"<a id=\"payment-methods-overview\"></a>\n\n\n\nA payment method is a stored, tokenized payment record that can be used to process transactions. \n\nA stored record is created once and may be used for all future transactions.\nThis includes submitting the raw card and account details only once, when it is first created.\n\nTokenization means the sensitive payment data, such as the raw card number or bank account number, is submitted to Flute once.\nAfter that, Flute assigns a non-sensitive value to `paymentMethodId`.\nThe `paymentMethodId` is then used as the payment reference for later transactions.\n\nPayment methods can be set to one of the following types: linked to a customer or an orphan.\n\n**Linked to a customer**<br>\nA customer is a defined business entity.\nInformation includes the company name, the owner's name, billing and shipping addresses, and different kinds of payment mentdos.\nRather than re-entering the information, it can be saved and used later as needed.\nA payment method linked to a customer can be used by referencing the customer using the `customerId` value.\n\n**An orphan**<br>\nAn orphan payment method is a stored payment method (card or ACH account) that belongs to the merchant directly.\nIf the customerId is omitted from the payment method, the payment method is created as an orphan.\nIt exists in the merchant's vault but has no customer record associated with it.\nA practical use case would be for a one-time transaction that uses a tokenize card but without creating a full customer profile.\n\nThere are two types of payment method: Cards and ACH.\n\n**Cards**<br>\nCredit or debit cards are stored as a token.\nThe raw card number is never fully displayed.\nIt always uses a masked card number, such as `************1111`.\nA 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.\n\n**ACH accounts**<br>\nACH accounts are electronic bank accounts transfers.\nThey are stored with routing number, account number, account type (Checking/Savings), and account holder type (Personal/Business)\nBusiness ACH accounts also carry a payment name, a name recognizable to the merchant.\n\nEither can be marked as the default payment method for a customer but only one payment method may set as the default at a time.","lang":"en-US","llmstxt":{"hide":true,"excludeFiles":[]}},"itemId":"payment-methods","disableAutoScroll":true,"metadata":{"subType":"openapi-operation"},"compilationErrors":[],"markdown":{"partials":{},"variables":{"rbac":{"teams":["anonymous"]},"user":{},"remoteAddr":{"hostname":"developer.flute.com","port":4000,"ipAddress":"216.73.216.95"},"lang":"default_locale","env":{"PUBLIC_REDOCLY_BRANCH_NAME":"main"}}},"pagePropGetterError":{"message":"","name":""}},"slug":"/api-reference/v2/payment-methods","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}