Payment method object

The Payment Method object

The PaymentMethod object represents a customer’s stored payment instrument that you can charge on demand or attach to a subscription for recurring payments. It appears when you create a payment method or when a CheckoutSession with a setup flow completes.

Payment Method Object

{
  "id": "pm_4324qwkalsds",
  "object": "payment_method",
  "created_at": "2025-07-01T10:00:00.000Z",
  "customer": "cus_456789abcdef",
  "mode": "live",
  "pac": {
    "account_holder_id": "111111111",
    "account_number": "0000000000",
    "account_type": "checking_account",
    "institution": {
      "id": "cl_banco_santander",
      "country": "cl",
      "name": "Banco Santander"
    },
    "status": "active"
  },
  "type": "pac"
}

Attribute	Type	Description
`id`	`string`	Unique identifier for the Payment Method.
`object`	`string`	Type of the object. Always `payment_method`.
`bank_transfer`	`object`	Present only when `type` is `bank_transfer`. Contains details specific to a bank transfer payment method.
`card`	`object`	Present only when `type` is `card`. Contains details specific to a card payment method.
`created_at`	`string`	ISO 8601 datetime in UTC when the payment method was created.
`customer`	`string`	Customer ID associated with this payment method.
`mode`	`string`	One of `live` or `test`.
`mx_direct_debit`	`object` or `null`	Present only when `type` is `mx_direct_debit`. Contains the terms of the Mexican direct debit mandate. `null` when the mandate backing the payment method is no longer available.
`pac`	`object`	Present only when `type` is `pac`. Contains details specific to a PAC payment method.
`type`	`string`	Type of the payment method. One of `bank_transfer`, `card`, `mx_direct_debit`, or `pac`. The object includes an additional field named after this value (for example, `card`) with type-specific details.

The PAC object

The PAC object holds the details of a Pago Automático de Cuentas (PAC), a recurring direct-debit authorization on the customer’s bank account. Fintoc returns the PAC object in the pac field when the PaymentMethod type is pac.

Attribute	Type	Description
`account_holder_id`	`string`	Account owner’s tax ID. In Chile, a Chilean tax ID (RUT).
`account_number`	`string`	Account number. Does not include hyphens or prefixed zeros.
`account_type`	`string`	Account type. One of `checking_account` or `sight_account`.
`institution`	`object`	Financial institution associated with the PAC. See The Institution object below.
`status`	`string`	PAC authorization status. One of `active` (available to charge), `pending` (awaiting confirmation), or `canceled` (no longer available).

The Institution object (within the PAC object)

The Institution object identifies the bank that holds the account authorized for the PAC. Fintoc returns the Institution object in the institution field of the PAC object.

Attribute	Type	Description
`id`	`string`	Account’s institution `id`. You can learn more about institutions and their `id`s here.
`country`	`string`	Two-letter ISO 3166-1 alpha-2 country code of the institution, in lowercase. For example, `cl` for Chile.
`name`	`string`	Name of the financial institution.

The Card object

The Card object holds the details of a stored card. Fintoc returns the Card object in the card field when the PaymentMethod type is card.

Attribute	Type	Description
`active`	`boolean`	Whether you can currently charge the card. Fintoc deactivates expired cards automatically.
`brand`	`string`	Card brand. For example, `visa` or `mastercard`.
`country`	`string`	Display name of the issuing country, in English.
`expiration`	`object`	Card expiration date with `month` and `year` strings. `month` uses two digits, and `year` uses four digits. Both values are `null` for cards enrolled through a wallet, such as Apple Pay or Google Pay, because wallets do not expose expiration dates.
`kind`	`string`	Card kind. One of `credit` or `debit`.
`last_four_digits`	`string`	Last four digits of the card number.
`wallet`	`string` or `null`	Wallet used to enroll the card. One of `apple_pay`, `google_pay`, or `null` for cards entered manually.

A card enrolled through a wallet returns the wallet name in wallet, for example apple_pay or google_pay, and null values for expiration.month and expiration.year:

Card Payment Method

{
  "id": "pm_4324qwkalsds",
  "object": "payment_method",
  "card": {
    "active": true,
    "brand": "visa",
    "country": "Chile",
    "expiration": {
      "month": null,
      "year": null
    },
    "kind": "credit",
    "last_four_digits": "4242",
    "wallet": "apple_pay"
  },
  "created_at": "2025-07-01T10:00:00.000Z",
  "customer": "cus_456789abcdef",
  "mode": "live",
  "type": "card"
}

The Bank Transfer object

The Bank Transfer object holds the details of a bank account enrolled for bank transfer payments. Fintoc returns the Bank Transfer object in the bank_transfer field when the PaymentMethod type is bank_transfer.

Attribute	Type	Description
`account_holder_id`	`string`	Account owner’s tax ID. In Chile, a Chilean tax ID (RUT).
`account_number`	`string`	Account number. Does not include hyphens or prefixed zeros.
`account_type`	`string`	Account type. One of `checking_account` or `sight_account`.
`institution_id`	`string`	Identifier of the financial institution associated with the bank transfer.
`institution_name`	`string`	Name of the financial institution associated with the bank transfer.
`mfa_type`	`string` or `null`	Type of multi-factor authentication associated with the account. `null` when the account has no multi-factor authentication.
`status`	`string`	Status of the payment method. One of `active` (available to charge), `pending` (awaiting confirmation), or `canceled` (no longer available).

The MX Direct Debit object

The MX Direct Debit object contains the account and mandate terms for Mexican direct debit. Fintoc returns it in mx_direct_debit when type is mx_direct_debit. Follow Accept direct debit payments in Mexico to enroll by API or Checkout Session and test the integration.

Attribute	Type	Description
`account_holder_id`	`string`	Account holder’s Mexican tax ID (RFC).
`account_number_last4`	`string`	Last four digits of the enrolled bank account or debit card.
`account_type`	`string`	`clabe` for an 18-digit standardized Mexican bank account number (CLABE), or `debit_card` for a debit card number.
`consent_source`	`string`	Enrollment path. `api` when you submit consent documents, or `checkout` when your customer authorizes through a Checkout Session. Fintoc assigns this value.
`institution`	`object`	Bank holding the enrolled account. Contains `id`, lowercase ISO 3166-1 alpha-2 `country`, and `name`.
`interval`	`string`	Authorization period: `week`, `month`, or `year`.
`max_amount`	`integer`	Authorized limit per mandate period, in MXN cents. `35000` means $350.00 MXN.
`status`	`string`	`pending` (awaiting approval), `active` (can be charged), `rejected` (approval refused), `expired` (approval deadline passed), or `canceled` (authorization ended). Only `active` permits charges.

MX Direct Debit Payment Method

{
  "id": "pm_000000001",
  "object": "payment_method",
  "created_at": "2026-10-08T12:00:00Z",
  "customer": "cus_000000001",
  "mode": "test",
  "mx_direct_debit": {
    "account_holder_id": "AAAA010101AAA",
    "account_number_last4": "0015",
    "account_type": "clabe",
    "consent_source": "api",
    "institution": {
      "id": "mx_banco_bbva",
      "country": "mx",
      "name": "Banco BBVA"
    },
    "interval": "month",
    "max_amount": 35000,
    "status": "pending"
  },
  "type": "mx_direct_debit"
}

​The Payment Method object

​The PAC object

​The Institution object (within the PAC object)

​The Card object

​The Bank Transfer object

​The MX Direct Debit object