# CustomerPaymentMethod A payment method the customer has saved. Card and account numbers are never returned — `paymentMethod` carries only the display details, such as the brand and the last four digits. **id**CustomerPaymentMethod-Idrequired Identifier of the saved payment method. Pass it as `paymentToken` on a payment, as `defaultTokenId` when updating the customer, or to delete the payment method. **Example: **`7cc38b08ff471ccd313ad62b23b9f362b107560b` **type**CustomerPaymentMethod-Typerequired How the payment method is stored. One of `STICKY` or `ENCRYPTED_STICKY`. **Example: **`ENCRYPTED_STICKY` **paymentMethod** object Details about the payment method at the time of the transaction. **method**string Payment method type. | Enum Value | Description | | ---------- | ----------- | | alipay | Alipay | | card | Card | | bizum | Bizum | | paypal | PayPal | | mbway | MB WAY | | multibanco | Multibanco | | iDeal | iDEAL | | bancontact | Bancontact | | sofort | SOFORT | | trustly | Trustly | | sepa | SEPA | | klarna | Klarna | | giropay | Giropay | | eps | EPS | | blik | BLIK | **Possible values:** \[`alipay`, `card`, `bizum`, `paypal`, `mbway`, `multibanco`, `iDeal`, `bancontact`, `sofort`, `trustly`, `sepa`, `klarna`, `giropay`, `eps`, `blik`] **Example: **`card` **card** object Details about the card used as payment method at the time of the transaction. **country**Country Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). **Example: **`ES` **brand**string Card brand. | Enum Value | Description | | ---------- | ---------------------------------- | | visa | Visa credit or debit card | | mastercard | Mastercard credit or debit card | | diners | Diners Club credit card | | amex | American Express credit card | | jcb | Japan Credit Bureau card | | unionpay | UnionPay card from China | | discover | Discover | | unknown | Card brand could not be determined | **Possible values:** \[`visa`, `mastercard`, `diners`, `amex`, `jcb`, `unionpay`, `discover`, `unknown`] **Example: **`visa` **type**string Card type `debit` or `credit`. **Possible values:** \[`debit`, `credit`] **Example: **`credit` **threeDSecure**boolean Whether this transaction used 3D Secure authentication. **Example: **`false` **threeDSecureVersion**string The protocol version of the 3DS challenge. **Example: **`2.1.0` **threeDSecureFlow**string The flow used for 3DS authentication. | Enum Value | Description | | ----------------------- | ----------------------------------------------------------------------------------------------------- | | CHALLENGE | Authentication requiring additional shopper interaction through biometrics, 2FA, or other SCA methods | | FRICTIONLESS | Background authentication using device fingerprint without additional shopper interaction | | FRICTIONLESS\_CHALLENGE | Complete 3DS flow with additional authentication if initial data collection is insufficient | | DIRECT | Transaction exempt from SCA due to low risk assessment | **Possible values:** \[`CHALLENGE`, `FRICTIONLESS`, `FRICTIONLESS_CHALLENGE`, `DIRECT`] **Example: **`CHALLENGE` **expiration**integer\ Time at which the card will expire. Measured in seconds since the Unix epoch. **Example: **`2048544000` **last4**string The last four digits of the card. **Example: **`0004` **fingerprint**string Unique identifier for the card number. Used to detect duplicate payment methods across customers. Not present for tokenized cards. **Example: **`7f2afde1566286c5fb126bb7e79bef549755cce6033dc429013c46d1365ff0e9` **tokenizationMethod**string The digital wallet used to tokenize the card. **Possible values:** \[`applePay`, `googlePay`, `clickToPay`] **Example: **`applePay` **cardholderName**string The name of the cardholder. **Example: **`John Doe` **cardholderEmail**string The email of the cardholder. **Example: **`email@example.com` **bizum** object Details about the Bizum account used as payment method at the time of the transaction. **phoneNumber**string Phone number in E.164 format used to pay with `bizum`. **Example: **`null` **paypal** object Details from Paypal order used as payment method at the time of the transaction. **orderId**string The Paypal's order ID. **Example: **`7XP21983KL5672104` **payerId**string The Paypal's payer ID. **Example: **`QWRTNBFHZXLPD` **email**string The Paypal's payer email. **Example: **`john.doe@example.com` **name**string The Paypal's payer name. **Example: **`John Doe` **mbway** object Details from MBWay order used as payment method at the time of the transaction. **phoneNumber**string Phone number in E.164 format used to pay with `mbway`. **Example: **`null` **trustly** object Details from Trustly order used as payment method at the time of the transaction. **customerId**string The Trustly's customer ID. **Example: **`null` **sepa** object Details from SEPA order used as payment method at the time of the transaction. **accountholderAddress**string The address of the account holder. **Example: **`null` **accountholderEmail**string The email of the account holder. **Example: **`null` **accountholderName**string The name of the account holder. **Example: **`null` **countryCode**string The country code of the account holder. **Example: **`null` **bankAddress**string The address of the bank. **Example: **`null` **bankCode**string The code of the bank. **Example: **`null` **bankName**string The name of the bank. **Example: **`null` **bic**string The BIC of the bank. **Example: **`null` **last4**string The last 4 digits of the IBAN. **Example: **`null` **fingerprint**string Unique identifier for the IBAN. Used to detect duplicate payment methods across customers. **Example: **`7f2afde1566286c5fb126bb7e79bef549755cce6033dc429013c46d1365ff0e9` **klarna** object Details from Klarna order used as payment method at the time of the transaction. **billingCategory**string | Enum Value | Description | | ------------------- | ----------------------------------------------- | | PAY\_LATER | Pay after delivery within a specified timeframe | | PAY\_NOW | Immediate payment at time of purchase | | SLICE\_IT | Split payment into installments | | SLICE\_IT\_BY\_CARD | Split payment into installments using a card | | PAY\_IN\_PARTS | Pay in equal installments (interest-free) | **Possible values:** \[`PAY_LATER`, `PAY_NOW`, `SLICE_IT`, `SLICE_IT_BY_CARD`, `PAY_IN_PARTS`] **Example: **`PAY_LATER` **authPaymentMethod**string | Enum Value | Description | | ---------------------- | ----------------------------------------- | | invoice | Traditional invoice payment | | fixed\_amount | Payment with a predetermined fixed amount | | pix | Brazilian instant payment system | | base\_account | Payment from a basic account | | deferred\_interest | Payment with delayed interest charges | | direct\_debit | Direct bank account debit | | direct\_bank\_transfer | Immediate bank transfer | | b2b\_invoice | Business-to-business invoice payment | | card | Credit or debit card payment | | slice\_it\_by\_card | Installment payment using a card | **Possible values:** \[`invoice`, `fixed_amount`, `pix`, `base_account`, `deferred_interest`, `direct_debit`, `direct_bank_transfer`, `b2b_invoice`, `card`, `slice_it_by_card`] **Example: **`card` **expireAt**integer\ Time at which the payment method expires, in seconds since the Unix epoch. For a card this is one month after the card's own expiry. Absent when the payment method does not expire. **Example: **`1801612800` **createdAt**string\ Time at which the resource was created. **Example: **`2026-09-21T10:25:52.000Z` **sequence**CustomerPaymentMethod-Sequencerequired Whether this payment method was saved for merchant-initiated charges, such as subscription renewals, rather than being one the buyer chooses at checkout. **Example: **`false` CustomerPaymentMethod ``` { "id": "7cc38b08ff471ccd313ad62b23b9f362b107560b", "type": "ENCRYPTED_STICKY", "paymentMethod": { "method": "card", "card": { "country": "ES", "brand": "visa", "type": "credit", "threeDSecure": false, "threeDSecureVersion": "2.1.0", "threeDSecureFlow": "CHALLENGE", "expiration": 2048544000, "last4": "0004", "fingerprint": "7f2afde1566286c5fb126bb7e79bef549755cce6033dc429013c46d1365ff0e9", "tokenizationMethod": "applePay", "cardholderName": "John Doe", "cardholderEmail": "email@example.com" }, "bizum": { "phoneNumber": null }, "paypal": { "orderId": "7XP21983KL5672104", "payerId": "QWRTNBFHZXLPD", "email": "john.doe@example.com", "name": "John Doe" }, "mbway": { "phoneNumber": null }, "trustly": { "customerId": null }, "sepa": { "accountholderAddress": null, "accountholderEmail": null, "accountholderName": null, "countryCode": null, "bankAddress": null, "bankCode": null, "bankName": null, "bic": null, "last4": null, "fingerprint": "7f2afde1566286c5fb126bb7e79bef549755cce6033dc429013c46d1365ff0e9" }, "klarna": { "billingCategory": "PAY_LATER", "authPaymentMethod": "card" } }, "expireAt": 1801612800, "createdAt": "2026-09-21T10:25:52.000Z", "sequence": false } ```