Customers
A customer is your record of one buyer. It holds their saved payment methods and links their payments and subscriptions together.
Customers are entirely optional. A payment or subscription that names no customer behaves exactly as it always has.
What a customer gives you
Saved payment methods in one place
Every payment method a buyer saves under a customer can be listed, charged again, and deleted. You no longer have to store payment tokens yourself and match them to your own user records.
A default payment method
The first reusable payment method a customer saves becomes their default. Send useDefaultPaymentMethod on a payment instead of a paymentToken and MONEI charges it, so you never have to look the token up.
You can point defaultTokenId at a different payment method at any time. MONEI only ever fills a default that is empty, so your value is kept — but deleting that payment method clears the field, and the next reusable one the customer saves takes its place.
Subscription renewal failover
When a subscription names a customer and a renewal is declined by the issuing bank, MONEI automatically retries the renewal against the customer's other saved payment methods — up to two more, in one attempt.
If one succeeds, the subscription continues and moves to that payment method. If all of them are declined, the subscription follows its usual retry schedule. See List Payment Methods for what counts as a candidate.
Failover only runs on an outright decline by the issuer. A payment whose outcome is uncertain never triggers a second charge.
Erasing a buyer
Deleting a customer deletes every payment method it owns, which is what a data-erasure request usually asks for.
What a customer is not
A customer is not required to take a payment. It is not a login, it is not shared between merchant accounts, and it does not change how any existing payment is processed.
customerId on a payment is also unrelated to paymentMethod.trustly.customerId, which is an identifier Trustly returns for its own account holder.
Create Customer
Creates a customer.
Get Customer
Retrieves a customer by its unique ID.
Update Customer
Updates a customer. Only the fields you send are changed.
Delete Customer
Deletes a customer and every payment method it owns.
List Payment Methods
Lists the payment methods a customer has saved.
Delete Payment Method
Deletes one of a customer's saved payment methods.