--- title: "List payment methods" method: GET path: "/payment_methods" tags: ["Payment methods"] --- # List payment methods `GET /payment_methods` Lists the payment methods of your organization for the mode (`live` or `test`) of the API key used, sorted by most recently created first. Use `customer` to narrow the list to a single customer, and the cursor parameters (`starting_after`, `ending_before`) together with `limit` to paginate. The `Link` response header contains the URL of the next page. Each payment method exposes its details under a key named after its `type` (`bank_transfer`, `card`, or `pac`). ## Query parameters - `payment_options` object - `amount` integer — Amount, in the smallest currency unit, the payment methods must be able to process. If present, the response only includes payment methods that can process this amount. - `customer` string - `ending_before` string - `limit` integer - `starting_after` string ## Response `200` List of payment methods for the current mode, sorted by most recently created first. The type-specific details key is `null` when the resource backing a payment method is no longer available. - PaymentMethod[] - union — A payment method represents a customer's stored payment instrument, ready to be charged without the customer going through the full authorization flow again. The shape of the object depends on its `type`: the type-specific details live under a key named after the `type` (`bank_transfer`, `card`, or `pac`). - PaymentMethodBankTransfer — Payment method backed by a linked bank account that pays through bank transfers. - `id` string, required — Unique identifier of the payment method. - `object` 'payment_method', required — Type of the object. Always `payment_method`. - `bank_transfer` object, nullable, required — Details of the linked bank account that pays the transfers. `null` when the linked account backing the payment method is no longer available. - `account_holder_id` string, required — Tax identifier of the account holder, without dots or hyphens. In Chile this is the Chilean tax ID (RUT). - `account_number` string, required — Account number as a string, which may include leading zeros. - `account_type` 'checking_account' | 'savings_account' | 'sight_account' | 'rut_account' | 'line_of_credit' | 'credit_card', required — Account subtype reported by the institution. One of `checking_account`, `savings_account`, `sight_account`, `rut_account`, `line_of_credit`, or `credit_card`. - `institution_id` string, required — Identifier of the institution where the account lives. - `institution_name` string, required — Human-readable name of the institution. - `mfa_type` string, required — Type of multi-factor authentication the institution requires to authorize a transfer, for example `sms`. An empty string when the institution does not require multi-factor authentication. - `status` 'active' | 'inactive', required — Validity of the bank credentials backing the payment method. One of `active` or `inactive`. An `inactive` payment method cannot be charged until the customer links their account again. - `created_at` string, date-time, required — ISO 8601 timestamp of when the payment method was created. - `customer` string, required — Unique identifier of the customer the payment method belongs to. - `mode` 'live' | 'test', required — Mode of the payment method. `live` payment methods charge real money; `test` payment methods use fake data for integration testing. - `type` 'bank_transfer', required — Type of the payment method. Always `bank_transfer`. - PaymentMethodCard — Payment method backed by a stored card. - `id` string, required — Unique identifier of the payment method. - `object` 'payment_method', required — Type of the object. Always `payment_method`. - `card` object, nullable, required — Details of the stored card. `null` when the card backing the payment method is no longer available. - `active` boolean, required — Whether the card can currently be charged. Fintoc automatically deactivates expired cards. - `brand` string, required — Brand of the card, for example `visa` or `mastercard`. - `country` string, required — Display name of the country where the card was issued, in English. - `expiration` object, required — Expiration date of the card. For cards enrolled through a wallet (for example, Apple Pay), month and year are `null` because the wallet does not expose an expiration date. - `month` string, nullable, required — Two-digit expiration month. `null` for wallet cards. - `year` string, nullable, required — Four-digit expiration year. `null` for wallet cards. - `kind` string, required — Kind of card, for example `credit` or `debit`. - `last_four_digits` string, required — Last four digits of the card number. - `wallet` 'apple_pay' | 'google_pay' | 'null', nullable, required — Wallet used to enroll the card. Possible values are `apple_pay` and `google_pay`. `null` for cards entered manually. - `created_at` string, date-time, required — ISO 8601 timestamp of when the payment method was created. - `customer` string, required — Unique identifier of the customer the payment method belongs to. - `mode` 'live' | 'test', required — Mode of the payment method. `live` payment methods charge real money; `test` payment methods use fake data for integration testing. - `type` 'card', required — Type of the payment method. Always `card`. - PaymentMethodPac — Payment method backed by a direct debit (PAC) subscription that charges the customer's bank account. - `id` string, required — Unique identifier of the payment method. - `object` 'payment_method', required — Type of the object. Always `payment_method`. - `created_at` string, date-time, required — ISO 8601 timestamp of when the payment method was created. - `customer` string, required — Unique identifier of the customer the payment method belongs to. - `mode` 'live' | 'test', required — Mode of the payment method. `live` payment methods charge real money; `test` payment methods use fake data for integration testing. - `pac` object, nullable, required — Details of the direct debit subscription that charges the customer's account. `null` when the subscription backing the payment method is no longer available. - `account_holder_id` string, required — Tax identifier of the account holder, without dots or hyphens. In Chile this is the Chilean tax ID (RUT). - `account_number` string, required — Account number of the debited account as a string, which may include leading zeros. - `account_type` 'checking_account' | 'savings_account' | 'sight_account' | 'rut_account' | 'line_of_credit' | 'credit_card', required — Account subtype reported by the institution. One of `checking_account`, `savings_account`, `sight_account`, `rut_account`, `line_of_credit`, or `credit_card`. - `institution` object, required — Institution where the debited account lives. - `id` string, required — Identifier of the institution. - `country` string, required — Lowercase ISO 3166-1 alpha-2 code of the institution's country. - `name` string, required — Human-readable name of the institution. - `status` 'pending' | 'active' | 'canceled', required — Status of the direct debit subscription. One of `pending` (the bank has not confirmed the subscription yet), `active` (the subscription accepts charges), or `canceled` (the subscription no longer accepts charges). Only payment methods whose subscription is `active` can be charged. - `type` 'pac', required — Type of the payment method. Always `pac`. ## Other responses - `400` — Invalid query parameters: both pagination cursors are present, or a parameter has the wrong format. - `401` — Invalid or missing API key. - `404` — The payment method referenced by a pagination cursor does not exist. --- [API](https://skmtc.net/fintoc/apis/fintoc-api.md) · [All operations](https://skmtc.net/fintoc/apis/fintoc-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/fintoc/fintoc-api/revisions/9dafa63688a3/schema)