> For the complete documentation index, see [llms.txt](https://docs.alternativepayments.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.alternativepayments.io/api-reference/payment-methods.md).

# Payment Methods

## Register CVV for a card payment

> Register an encrypted CVV token for a specific card and invoice

```json
{"openapi":"3.1.1","info":{"title":"Alternative Payments","version":"1.2.0"},"servers":[{"url":"http://public-api.alternativepayments.io"}],"security":[{"OAuth2ClientCredentials":["payments:write"]}],"components":{"securitySchemes":{"OAuth2ClientCredentials":{"type":"oauth2","flows":{"clientCredentials":{"tokenUrl":"/oauth/token","scopes":{"checkout:read":"Read checkout data","checkout:write":"Create checkout tokens","customers:read":"Read customers and payment methods","customers:write":"Create and update customers and payment methods","invoices:read":"Read invoices","invoices:write":"Create and update invoices","payments:read":"Read payments and payment requests","payments:write":"Create payments and payment requests","payouts:read":"Read payouts","refunds:read":"Read refunds","refunds:write":"Create refunds","tags:read":"Read customer tags","tags:write":"Create, update and delete customer tags, and add or remove them on customers","webhooks:read":"Read webhook subscriptions and events","webhooks:write":"Manage webhook subscriptions"}}}}},"schemas":{"CreateCardCvvResponse":{"description":"Create card CVV response","properties":{"success":{"type":"boolean"}},"type":"object"},"HttpError":{"properties":{"code":{"type":"string"},"message":{"type":"string"},"validation_errors":{"additionalProperties":{"type":"string"},"type":"object"}},"type":"object"},"CreateCardCvvInput":{"description":"CVV registration information","properties":{"cvv_secret":{"type":"string"},"product_id":{"type":"string"},"product_type":{"enum":["invoice"],"type":"string"},"provider":{"enum":["evervault"],"type":"string"}},"type":"object"}}},"paths":{"/customers/{id}/payment-methods/{card_id}/cvv":{"post":{"description":"Register an encrypted CVV token for a specific card and invoice","operationId":"verifyCardCvv","parameters":[{"schema":{"type":"string"},"description":"Customer ID","in":"path","name":"id","required":true},{"schema":{"type":"string"},"description":"Card ID","in":"path","name":"card_id","required":true}],"responses":{"201":{"description":"Created","content":{"application/json":{"schema":{"$ref":"#/components/schemas/CreateCardCvvResponse"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}},"422":{"description":"Unprocessable Entity","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}}},"summary":"Register CVV for a card payment","tags":["PaymentMethods"],"requestBody":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/CreateCardCvvInput"}}},"description":"CVV registration information","required":true}}}}}
```

## Calculate card payment fees

> Calculate payment fees for a specific card payment method

```json
{"openapi":"3.1.1","info":{"title":"Alternative Payments","version":"1.2.0"},"servers":[{"url":"http://public-api.alternativepayments.io"}],"security":[{"OAuth2ClientCredentials":["customers:read"]}],"components":{"securitySchemes":{"OAuth2ClientCredentials":{"type":"oauth2","flows":{"clientCredentials":{"tokenUrl":"/oauth/token","scopes":{"checkout:read":"Read checkout data","checkout:write":"Create checkout tokens","customers:read":"Read customers and payment methods","customers:write":"Create and update customers and payment methods","invoices:read":"Read invoices","invoices:write":"Create and update invoices","payments:read":"Read payments and payment requests","payments:write":"Create payments and payment requests","payouts:read":"Read payouts","refunds:read":"Read refunds","refunds:write":"Create refunds","tags:read":"Read customer tags","tags:write":"Create, update and delete customer tags, and add or remove them on customers","webhooks:read":"Read webhook subscriptions and events","webhooks:write":"Manage webhook subscriptions"}}}}},"schemas":{"GetCardPaymentFeesResponse":{"description":"Response containing calculated payment fees for card payments","properties":{"fee_percentage_for_customer":{"type":"string"},"fee_percentage_for_partner":{"type":"string"},"fixed_fee_amount_customer":{"type":"string"},"fixed_fee_amount_partner":{"type":"string"},"relative_fee_amount_customer":{"type":"string"},"relative_fee_amount_partner":{"type":"string"}},"type":"object"},"HttpError":{"properties":{"code":{"type":"string"},"message":{"type":"string"},"validation_errors":{"additionalProperties":{"type":"string"},"type":"object"}},"type":"object"},"GetCardPaymentFeesRequest":{"description":"Request body for calculating card payment fees","properties":{"amount":{"type":"string"},"currency":{"enum":["USD","CAD"],"type":"string"}},"type":"object"}}},"paths":{"/customers/{id}/payment-methods/{card_id}/fees":{"post":{"description":"Calculate payment fees for a specific card payment method","operationId":"getCardPaymentFees","parameters":[{"schema":{"type":"string"},"description":"Customer ID","in":"path","name":"id","required":true},{"schema":{"type":"string"},"description":"Card ID","in":"path","name":"card_id","required":true}],"responses":{"200":{"description":"OK","content":{"application/json":{"schema":{"$ref":"#/components/schemas/GetCardPaymentFeesResponse"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}},"404":{"description":"Not Found","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}}},"summary":"Calculate card payment fees","tags":["PaymentMethods"],"requestBody":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/GetCardPaymentFeesRequest"}}},"description":"Fee calculation request","required":true}}}}}
```

## Delete a customer's payment method

> Delete this payment method

```json
{"openapi":"3.1.1","info":{"title":"Alternative Payments","version":"1.2.0"},"servers":[{"url":"http://public-api.alternativepayments.io"}],"security":[{"OAuth2ClientCredentials":["payments:write"]}],"components":{"securitySchemes":{"OAuth2ClientCredentials":{"type":"oauth2","flows":{"clientCredentials":{"tokenUrl":"/oauth/token","scopes":{"checkout:read":"Read checkout data","checkout:write":"Create checkout tokens","customers:read":"Read customers and payment methods","customers:write":"Create and update customers and payment methods","invoices:read":"Read invoices","invoices:write":"Create and update invoices","payments:read":"Read payments and payment requests","payments:write":"Create payments and payment requests","payouts:read":"Read payouts","refunds:read":"Read refunds","refunds:write":"Create refunds","tags:read":"Read customer tags","tags:write":"Create, update and delete customer tags, and add or remove them on customers","webhooks:read":"Read webhook subscriptions and events","webhooks:write":"Manage webhook subscriptions"}}}}},"schemas":{"DeletePaymentMethodResponse":{"description":"Delete a payment method","properties":{"response":{"type":"string"}},"type":"object"},"HttpError":{"properties":{"code":{"type":"string"},"message":{"type":"string"},"validation_errors":{"additionalProperties":{"type":"string"},"type":"object"}},"type":"object"}}},"paths":{"/customers/{id}/payment-methods/{method_id}":{"delete":{"description":"Delete this payment method","operationId":"deletePaymentMethod","parameters":[{"schema":{"type":"string"},"description":"Customer ID","in":"path","name":"id","required":true},{"schema":{"type":"string"},"description":"Payment Method ID","in":"path","name":"method_id","required":true}],"responses":{"201":{"description":"Created","content":{"application/json":{"schema":{"$ref":"#/components/schemas/DeletePaymentMethodResponse"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}},"422":{"description":"Unprocessable Entity","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}}},"summary":"Delete a customer's payment method","tags":["PaymentMethods"]}}}}
```

## Change a customer's default payment method

> Change the customer's default payment method to this one

```json
{"openapi":"3.1.1","info":{"title":"Alternative Payments","version":"1.2.0"},"servers":[{"url":"http://public-api.alternativepayments.io"}],"security":[{"OAuth2ClientCredentials":["payments:write"]}],"components":{"securitySchemes":{"OAuth2ClientCredentials":{"type":"oauth2","flows":{"clientCredentials":{"tokenUrl":"/oauth/token","scopes":{"checkout:read":"Read checkout data","checkout:write":"Create checkout tokens","customers:read":"Read customers and payment methods","customers:write":"Create and update customers and payment methods","invoices:read":"Read invoices","invoices:write":"Create and update invoices","payments:read":"Read payments and payment requests","payments:write":"Create payments and payment requests","payouts:read":"Read payouts","refunds:read":"Read refunds","refunds:write":"Create refunds","tags:read":"Read customer tags","tags:write":"Create, update and delete customer tags, and add or remove them on customers","webhooks:read":"Read webhook subscriptions and events","webhooks:write":"Manage webhook subscriptions"}}}}},"schemas":{"ChangeDefaultResponse":{"description":"Change default method response","properties":{"response":{"type":"string"}},"type":"object"},"HttpError":{"properties":{"code":{"type":"string"},"message":{"type":"string"},"validation_errors":{"additionalProperties":{"type":"string"},"type":"object"}},"type":"object"}}},"paths":{"/customers/{id}/payment-methods/{method_id}/default":{"patch":{"description":"Change the customer's default payment method to this one","operationId":"setDefaultPaymentMethod","parameters":[{"schema":{"type":"string"},"description":"Customer ID","in":"path","name":"id","required":true},{"schema":{"type":"string"},"description":"Payment Method ID","in":"path","name":"method_id","required":true}],"responses":{"200":{"description":"OK","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ChangeDefaultResponse"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}},"422":{"description":"Unprocessable Entity","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}}},"summary":"Change a customer's default payment method","tags":["PaymentMethods"]}}}}
```

## Create a customer bank account

> Create a new bank account with the provided information. Only one of USAccountData or CAAccountData must be sent, matching AccountDataType.

```json
{"openapi":"3.1.1","info":{"title":"Alternative Payments","version":"1.2.0"},"servers":[{"url":"http://public-api.alternativepayments.io"}],"security":[{"OAuth2ClientCredentials":["payments:write"]}],"components":{"securitySchemes":{"OAuth2ClientCredentials":{"type":"oauth2","flows":{"clientCredentials":{"tokenUrl":"/oauth/token","scopes":{"checkout:read":"Read checkout data","checkout:write":"Create checkout tokens","customers:read":"Read customers and payment methods","customers:write":"Create and update customers and payment methods","invoices:read":"Read invoices","invoices:write":"Create and update invoices","payments:read":"Read payments and payment requests","payments:write":"Create payments and payment requests","payouts:read":"Read payouts","refunds:read":"Read refunds","refunds:write":"Create refunds","tags:read":"Read customer tags","tags:write":"Create, update and delete customer tags, and add or remove them on customers","webhooks:read":"Read webhook subscriptions and events","webhooks:write":"Manage webhook subscriptions"}}}}},"schemas":{"CreateBankAccountResponse":{"description":"Create bank account response","properties":{"id":{"type":"string"}},"type":"object"},"HttpError":{"properties":{"code":{"type":"string"},"message":{"type":"string"},"validation_errors":{"additionalProperties":{"type":"string"},"type":"object"}},"type":"object"},"CreateBankAccountInput":{"description":"Bank account information. Only one of USAccountData or CAAccountData must be sent, matching AccountDataType.","properties":{"account_data_type":{"enum":["us","ca"],"type":"string"},"ca_account_data":{"$ref":"#/components/schemas/payment_methods_api.CAAccountData"},"custom_name":{"type":"string"},"institution_name":{"type":"string"},"receiver_name":{"type":"string"},"subtype":{"enum":["checkings","savings"],"type":"string"},"type":{"enum":["depository"],"type":"string"},"us_account_data":{"$ref":"#/components/schemas/payment_methods_api.USAccountData"}},"type":"object"},"payment_methods_api.CAAccountData":{"properties":{"account_number":{"type":"string"},"institution_code":{"type":"string"},"transit_number":{"type":"string"}},"type":"object"},"payment_methods_api.USAccountData":{"properties":{"account_number":{"type":"string"},"routing_number":{"type":"string"}},"type":"object"}}},"paths":{"/customers/{id}/payment-methods/bank":{"post":{"description":"Create a new bank account with the provided information. Only one of USAccountData or CAAccountData must be sent, matching AccountDataType.","operationId":"createBankPaymentMethod","parameters":[{"schema":{"type":"string"},"description":"Customer ID","in":"path","name":"id","required":true}],"responses":{"200":{"description":"OK","content":{"application/json":{"schema":{"$ref":"#/components/schemas/CreateBankAccountResponse"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}},"422":{"description":"Unprocessable Entity","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}}},"summary":"Create a customer bank account","tags":["PaymentMethods"],"requestBody":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/CreateBankAccountInput"}}},"description":"BankAccount information","required":true}}}}}
```

## Create a customer card

> Create a new card with the provided tokenized information

```json
{"openapi":"3.1.1","info":{"title":"Alternative Payments","version":"1.2.0"},"servers":[{"url":"http://public-api.alternativepayments.io"}],"security":[{"OAuth2ClientCredentials":["payments:write"]}],"components":{"securitySchemes":{"OAuth2ClientCredentials":{"type":"oauth2","flows":{"clientCredentials":{"tokenUrl":"/oauth/token","scopes":{"checkout:read":"Read checkout data","checkout:write":"Create checkout tokens","customers:read":"Read customers and payment methods","customers:write":"Create and update customers and payment methods","invoices:read":"Read invoices","invoices:write":"Create and update invoices","payments:read":"Read payments and payment requests","payments:write":"Create payments and payment requests","payouts:read":"Read payouts","refunds:read":"Read refunds","refunds:write":"Create refunds","tags:read":"Read customer tags","tags:write":"Create, update and delete customer tags, and add or remove them on customers","webhooks:read":"Read webhook subscriptions and events","webhooks:write":"Manage webhook subscriptions"}}}}},"schemas":{"CreateCardResponse":{"description":"Create card response","properties":{"id":{"type":"string"}},"type":"object"},"HttpError":{"properties":{"code":{"type":"string"},"message":{"type":"string"},"validation_errors":{"additionalProperties":{"type":"string"},"type":"object"}},"type":"object"},"CreateCardInput":{"description":"Tokenized card information","properties":{"address":{"$ref":"#/components/schemas/AddressInput"},"card_provider_token":{"type":"string"},"custom_name":{"type":"string"},"provider":{"enum":["evervault"],"type":"string"}},"type":"object"},"AddressInput":{"description":"Address information","properties":{"city":{"type":"string"},"country":{"type":"string"},"country_code":{"type":"string"},"postal_code":{"type":"string"},"state":{"type":"string"},"state_code":{"type":"string"},"street_address":{"type":"string"},"subpremise":{"type":"string"}},"type":"object"}}},"paths":{"/customers/{id}/payment-methods/card":{"post":{"description":"Create a new card with the provided tokenized information","operationId":"createCardPaymentMethod","parameters":[{"schema":{"type":"string"},"description":"Customer ID","in":"path","name":"id","required":true}],"responses":{"201":{"description":"Created","content":{"application/json":{"schema":{"$ref":"#/components/schemas/CreateCardResponse"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}},"422":{"description":"Unprocessable Entity","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HttpError"}}}}},"summary":"Create a customer card","tags":["PaymentMethods"],"requestBody":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/CreateCardInput"}}},"description":"Card information","required":true}}}}}
```


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