# Customer Payment Methods

How to save, list, and manage customer payment methods so cards can be reused for one-click checkout and recurring billing. Organised across four tabs: Overview, Saving Cards, Managing Methods, and API Reference.

## What this page covers
- Supported payment methods and which can be saved
- The payment method lifecycle: save during checkout, manage, then reuse
- When to save cards (subscriptions, one-click checkout, marketplaces, free trials)
- Saving cards during a payment with `setup_future_usage`
- Listing, deleting, and setting a default payment method
- Charging a saved method with `recurring_details`
- A full API endpoint reference

## Supported payment methods
Card (Visa, Mastercard, American Express, Diners Club), Apple Pay, Google Pay, Samsung Pay, and PayJustNow (buy now, pay later for South Africa). Cards are the only method that can be saved and reused as a customer payment method.

## Key concepts
- `payment_method_id` — unique identifier for a saved card (`pm_xxx`)
- `customer_id` — links payment methods to a customer (`cus_xxx`)
- `setup_future_usage` — tells Orchestration to save the card; values `on_session` (customer present, for one-click checkout) or `off_session` (merchant-initiated, for subscriptions and delayed charges)
- `recurring_details` — used to charge a saved method, for example `{ "type": "payment_method_id", "data": "pm_xxx" }`

## API endpoints
- `GET /customers/{customer_id}/payment_methods` — list all saved payment methods for a customer
- `POST /payment_methods` — create a payment method directly in the Vault
- `GET /payment_methods/{method_id}` — retrieve a specific payment method
- `DELETE /payment_methods/{method_id}` — delete a saved payment method (permanent)
- `POST /{customer_id}/payment_methods/{method_id}/default` — set a payment method as the customer's default

## Related
- [Save card (new user)](/flows/save-card-new-user.md): save a card during the first purchase
- [Save card (returning)](/flows/save-card-on-session.md): save for a returning customer
- [Recurring via PM ID](/flows/recurring-pm.md): charge a saved payment method
- [Zero authorisation](/flows/zero-auth.md): validate and save a card without charging
- [API Playground](/playground.md): test these endpoints with your own credentials

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Interactive version: https://playground.peachpayments.com/customer-payment-methods