The Payment Method Object

Represents a saved (vaulted) payment method associated with a customer for reuse across transactions.

The Payment Method object represents a payment credential that has been enrolled (vaulted) for a customer. Vaulted methods enable one-click checkout, recurring payments, and subscription billing without requiring the customer to re-enter their details.

Unified object. In Yuno API v2, payment methods use a single unified object regardless of whether they were enrolled through the checkout flow or the direct enrollment flow. In v1, these were separate objects. If you are migrating, see Migration Guide.

Object Fields

id · string

The unique identifier for this payment method (UUID).

Example: pm_3f4e5d6c-7b8a-9012-3456-789abcdef012

customer_id · string

The ID of the Customer Object this payment method belongs to.

Example: c9d0e1f2-3a4b-5c6d-7e8f-9a0b1c2d3e4f

type · string

The payment method type.

Values: CARD, PIX, BOLETO, OXXO, PSE, BANK_TRANSFER, WALLET, BNPL, NEQUI, SPEI

Example: CARD

status · string

Current status of the payment method.

Values: ACTIVE, DISABLED

Example: ACTIVE

card · object

Card-specific details. Present only when type is CARD.

Show card

first_six · string

First six digits of the card number (BIN). Used for routing and issuer identification.

Example: 411111

last_four · string

Last four digits of the card number. Safe to display to the customer.

Example: 1111

brand · string

Card brand.

Values: VISA, MASTERCARD, AMEX, DINERS, ELO, DISCOVER, HIPERCARD

Example: VISA

type · string

Card type.

Values: CREDIT, DEBIT, PREPAID

Example: CREDIT

expiration_month · integer

Card expiration month (1-12).

Example: 12

expiration_year · integer

Card expiration year (four digits).

Example: 2028

holder_name · string

Name of the cardholder as printed on the card.

Example: JOHN A SMITH

vaulted_token · string

The token reference for this vaulted payment method. Use this token in payment requests to charge the saved method without collecting card details again.

Example: vtok_9f8e7d6c-5b4a-3210-fedc-ba9876543210

country · string

Country associated with this payment method. For cards, this is the issuer country. ISO 3166-1 alpha-2 code.

Example: US

created_at · string

ISO 8601 timestamp of when the payment method was enrolled.

Example: 2026-02-15T09:30:00.000Z

Example

{
  "id": "pm_3f4e5d6c-7b8a-9012-3456-789abcdef012",
  "customer_id": "c9d0e1f2-3a4b-5c6d-7e8f-9a0b1c2d3e4f",
  "type": "CARD",
  "status": "ACTIVE",
  "card": {
    "first_six": "411111",
    "last_four": "1111",
    "brand": "VISA",
    "type": "CREDIT",
    "expiration_month": 12,
    "expiration_year": 2028,
    "holder_name": "JOHN A SMITH"
  },
  "vaulted_token": "vtok_9f8e7d6c-5b4a-3210-fedc-ba9876543210",
  "country": "US",
  "created_at": "2026-02-15T09:30:00.000Z"
}

Enrollment Contexts

Payment methods can be enrolled in two contexts:

Context	Description	How
Checkout flow	Customer saves their method during a payment. Set vault_on_success: true in the checkout session.	Via Checkout Session
Direct enrollment	Customer enrolls a method without making a payment (e.g., account settings page).	Via Customer Session + SDK

Both contexts produce the same Payment Method object. The vaulted_token can be used interchangeably regardless of how it was created.

Related Endpoints

• Enroll Payment Method. POST /v1/customers/{customer_id}/payment-methods
• List Payment Methods. GET /v1/customers/{customer_id}/payment-methods
• Get Payment Method. GET /v1/customers/{customer_id}/payment-methods/{payment_method_id}
• Unenroll Payment Method. DELETE /v1/customers/{customer_id}/payment-methods/{payment_method_id}

Related Concepts

• Tokens. How vaulted tokens work and their lifecycle
• One-Click Checkout. Using vaulted methods for returning customers
• Enrollment Guide. Step-by-step guide to payment method vaulting
• Migration Guide. Differences between v1 and v2 payment method objects