> ## Documentation Index > Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt > Use this file to discover all available pages before exploring further. # Cancel a payment method > Cancels a payment method so the payment method can no longer be charged. The cancellation applies only to this payment method. The bank account, card, or mandate behind the payment method stays valid for any other payment method that uses the same account, card, or mandate. The canceled payment method reports the cancellation through its type-specific details: `pac.status`, `mx_direct_debit.status`, and `bank_transfer.status` become `canceled`; `card.active` becomes `false`. Fintoc sends a `payment_method.canceled` webhook after processing the cancellation. Canceling an already canceled payment method returns a `409 Conflict` error. If the customer registers the same bank account, card, or mandate again through a new checkout session, Fintoc reactivates the canceled payment method under the same `id`. ## OpenAPI ````yaml reference/main-api.json POST /v2/payment_methods/{id}/cancel openapi: 3.1.0 info: title: fintoc-api version: v2026-02-01 servers: - url: https://api.fintoc.com security: [] paths: /v2/payment_methods/{id}/cancel: post: tags: - Payment methods summary: Cancel a payment method description: >- Cancels a payment method so the payment method can no longer be charged. The cancellation applies only to this payment method. The bank account, card, or mandate behind the payment method stays valid for any other payment method that uses the same account, card, or mandate. The canceled payment method reports the cancellation through its type-specific details: `pac.status`, `mx_direct_debit.status`, and `bank_transfer.status` become `canceled`; `card.active` becomes `false`. Fintoc sends a `payment_method.canceled` webhook after processing the cancellation. Canceling an already canceled payment method returns a `409 Conflict` error. If the customer registers the same bank account, card, or mandate again through a new checkout session, Fintoc reactivates the canceled payment method under the same `id`. operationId: v2.payment-methods-cancel parameters: - name: id in: path description: Unique identifier for the payment method to cancel. required: true schema: type: string responses: '200': description: >- The canceled payment method, with its details reporting the cancellation. content: application/json: examples: canceled_payment_method: value: id: pm_3pQrStUvWxYzAbCd object: payment_method created_at: '2026-01-15T14:30:00.000Z' customer: cus_oVgVqlnK0PdmGirH mode: live pac: account_holder_id: '111111111' account_number: '001111111111' account_type: checking_account institution: id: cl_banco_de_chile country: cl name: Banco de Chile status: canceled type: pac schema: $ref: '#/components/schemas/payment_method' '401': description: Invalid or missing API key. content: application/json: examples: invalid_api_key: value: error: type: authentication_error code: invalid_api_key message: 'Invalid API Key: invalid-*oken' schema: $ref: '#/components/schemas/error_object' '404': description: >- The payment method does not exist or belongs to another organization. content: application/json: examples: payment_method_not_found: value: error: type: invalid_request_error code: missing_resource param: id message: 'No such payments/payment_method: pm_nonexistent' doc_url: https://docs.fintoc.com/reference/errors schema: $ref: '#/components/schemas/error_object' '409': description: The payment method is already canceled. content: application/json: examples: payment_method_already_canceled: value: error: type: invalid_request_error code: payment_method_non_cancelable param: null message: >- Payment method is not cancelable. The payment method is already canceled doc_url: https://docs.fintoc.com/reference/errors schema: $ref: '#/components/schemas/error_object' security: - api_key: [] components: schemas: payment_method: description: >- 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`, `mx_direct_debit`, or `pac`). oneOf: - $ref: '#/components/schemas/payment_method_bank_transfer' - $ref: '#/components/schemas/payment_method_card' - $ref: '#/components/schemas/payment_method_mx_direct_debit' - $ref: '#/components/schemas/payment_method_pac' discriminator: propertyName: type mapping: bank_transfer: '#/components/schemas/payment_method_bank_transfer' card: '#/components/schemas/payment_method_card' mx_direct_debit: '#/components/schemas/payment_method_mx_direct_debit' pac: '#/components/schemas/payment_method_pac' error_object: type: object properties: error: type: object description: Details of the error that caused the request to fail. properties: code: type: string description: >- Machine-readable code identifying the specific error, for example `invalid_api_key`. Not returned by every error. example: invalid_api_key doc_url: type: string description: >- URL of a documentation page with more details about the error. Not returned by every error. example: https://docs.fintoc.com/reference/errors message: type: string description: Human-readable message describing the error. example: 'Invalid API Key: invalid-*oken' param: type: - string - 'null' description: >- Name of the request parameter that caused the error. `null` when the error cannot be tied to a single parameter, and not returned by every error. example: amount type: type: string description: >- Category of the error, for example `invalid_request_error`, `authentication_error`, or `api_error`. example: invalid_request_error required: - type - message payment_method_bank_transfer: type: object description: >- Payment method backed by a linked bank account that pays through bank transfers. properties: id: type: string description: Unique identifier of the payment method. example: pm_1zXcVbNmAsDfGhJk object: const: payment_method description: Type of the object. Always `payment_method`. bank_transfer: type: - object - 'null' description: >- Details of the linked bank account that pays the transfers. `null` when the linked account backing the payment method is no longer available. properties: account_holder_id: type: string description: >- Tax identifier of the account holder, without dots or hyphens. In Chile this is the Chilean tax ID (RUT). example: '111111111' account_number: type: string description: Account number as a string, which may include leading zeros. example: '001111111111' account_type: type: string enum: - checking_account - savings_account - sight_account - rut_account - line_of_credit - credit_card description: >- Account subtype reported by the institution. One of `checking_account`, `savings_account`, `sight_account`, `rut_account`, `line_of_credit`, or `credit_card`. example: checking_account institution_id: type: string example: cl_banco_de_chile description: Identifier of the institution where the account lives. institution_name: type: string description: Human-readable name of the institution. example: Banco de Chile mfa_type: type: string description: >- 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. example: sms status: type: string enum: - active - inactive - canceled description: >- Chargeability of the bank transfer payment method. One of `active`, `inactive`, or `canceled`. An `inactive` payment method cannot be charged until the customer links their account again. A `canceled` payment method was canceled through the API and cannot be charged. example: active required: - account_holder_id - account_number - account_type - institution_id - institution_name - mfa_type - status created_at: type: string format: date-time description: ISO 8601 timestamp of when the payment method was created. example: '2026-01-15T14:30:00.000Z' customer: type: string description: Unique identifier of the customer the payment method belongs to. example: cus_oVgVqlnK0PdmGirH mode: type: string enum: - live - test description: >- Mode of the payment method. `live` payment methods charge real money; `test` payment methods use fake data for integration testing. example: live type: const: bank_transfer description: Type of the payment method. Always `bank_transfer`. required: - id - object - bank_transfer - created_at - customer - mode - type payment_method_card: type: object description: Payment method backed by a stored card. properties: id: type: string description: Unique identifier of the payment method. example: pm_1zXcVbNmAsDfGhJk object: const: payment_method description: Type of the object. Always `payment_method`. card: type: - object - 'null' description: >- Details of the stored card. `null` when the card backing the payment method is no longer available. properties: active: type: boolean description: >- Whether the card can currently be charged. Fintoc automatically deactivates expired cards. example: true brand: type: string description: Brand of the card, for example `visa` or `mastercard`. example: visa country: type: string description: >- Display name of the country where the card was issued, in English. example: Chile expiration: type: object description: >- 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. properties: month: type: - string - 'null' description: Two-digit expiration month. `null` for wallet cards. example: '12' year: type: - string - 'null' description: Four-digit expiration year. `null` for wallet cards. example: '2030' required: - month - year kind: type: string description: Kind of card, for example `credit` or `debit`. example: credit last_four_digits: type: string description: Last four digits of the card number. example: '4242' wallet: type: - string - 'null' enum: - apple_pay - google_pay - null description: >- Wallet used to enroll the card. Possible values are `apple_pay` and `google_pay`. `null` for cards entered manually. example: apple_pay required: - active - brand - country - expiration - kind - last_four_digits - wallet created_at: type: string format: date-time description: ISO 8601 timestamp of when the payment method was created. example: '2026-01-15T14:30:00.000Z' customer: type: string description: Unique identifier of the customer the payment method belongs to. example: cus_oVgVqlnK0PdmGirH mode: type: string enum: - live - test description: >- Mode of the payment method. `live` payment methods charge real money; `test` payment methods use fake data for integration testing. example: live type: const: card description: Type of the payment method. Always `card`. required: - id - object - card - created_at - customer - mode - type payment_method_mx_direct_debit: type: object description: >- Payment method backed by a Mexican direct debit mandate that charges the customer's bank account. properties: id: type: string description: Unique identifier of the payment method. example: pm_1zXcVbNmAsDfGhJk object: const: payment_method description: Type of the object. Always `payment_method`. created_at: type: string format: date-time description: ISO 8601 timestamp of when the payment method was created. example: '2026-01-15T14:30:00.000Z' customer: type: string description: Unique identifier of the customer the payment method belongs to. example: cus_oVgVqlnK0PdmGirH mode: type: string enum: - live - test description: >- Mode of the payment method. `live` payment methods charge real money; `test` payment methods use fake data for integration testing. example: live mx_direct_debit: type: - object - 'null' description: >- Details of the direct debit mandate that charges the customer's account. `null` when the mandate backing the payment method is no longer available. properties: account_holder_id: type: string description: >- Tax identifier of the account holder, without dots or hyphens. In Mexico this is the Federal Taxpayer Registry number (RFC) or the Unique Population Registry Code (CURP). example: AAAA010101AAA account_number_last4: type: string description: Last four digits of the debited account. example: '1234' account_type: type: string enum: - clabe - debit_card description: >- Kind of account the mandate debits. One of `clabe` (an 18-digit CLABE, the standardized Mexican bank account number) or `debit_card`. example: clabe consent_source: type: string enum: - api - checkout description: >- How Fintoc received the account holder's consent to the mandate. One of `api` (you uploaded the `consent_documents` when you created the payment method) or `checkout` (the account holder signed the consent on a Fintoc-hosted checkout page). Fintoc sets this value and you can't change it. example: api institution: type: object description: Institution where the debited account is held. properties: id: type: string description: >- Fintoc identifier of the bank that holds the debited account. example: mx_banco_bbva country: type: string description: >- Lowercase ISO 3166-1 alpha-2 code of the institution's country. example: mx name: type: string description: Human-readable name of the institution. example: Banco BBVA required: - id - country - name interval: type: string enum: - week - month - year description: >- Frequency at which the mandate authorizes charges. One of `week`, `month`, or `year`. example: month max_amount: type: integer description: >- Maximum amount the mandate authorizes per charge, in the smallest currency unit. For example, `500000` for `$5,000.00 MXN`. example: 500000 status: type: string enum: - pending - active - rejected - canceled - expired description: >- Status of the mandate. One of `pending` (the bank has not confirmed the mandate yet), `active` (the mandate accepts charges), `rejected` (the mandate was refused and never became chargeable), `canceled` (the mandate no longer accepts charges), or `expired` (the account holder did not confirm the mandate within 7 days). Only payment methods whose mandate is `active` can be charged. example: active required: - account_holder_id - account_number_last4 - account_type - consent_source - institution - interval - max_amount - status type: const: mx_direct_debit description: Type of the payment method. Always `mx_direct_debit`. required: - id - object - created_at - customer - mode - mx_direct_debit - type payment_method_pac: type: object description: >- Payment method backed by a direct debit (PAC) subscription that charges the customer's bank account. properties: id: type: string description: Unique identifier of the payment method. example: pm_1zXcVbNmAsDfGhJk object: const: payment_method description: Type of the object. Always `payment_method`. created_at: type: string format: date-time description: ISO 8601 timestamp of when the payment method was created. example: '2026-01-15T14:30:00.000Z' customer: type: string description: Unique identifier of the customer the payment method belongs to. example: cus_oVgVqlnK0PdmGirH mode: type: string enum: - live - test description: >- Mode of the payment method. `live` payment methods charge real money; `test` payment methods use fake data for integration testing. example: live pac: type: - object - 'null' description: >- Details of the direct debit subscription that charges the customer's account. `null` when the subscription backing the payment method is no longer available. properties: account_holder_id: type: string description: >- Tax identifier of the account holder, without dots or hyphens. In Chile this is the Chilean tax ID (RUT). example: '111111111' account_number: type: string description: >- Account number of the debited account as a string, which may include leading zeros. example: '001111111111' account_type: type: string enum: - checking_account - savings_account - sight_account - rut_account - line_of_credit - credit_card description: >- Account subtype reported by the institution. One of `checking_account`, `savings_account`, `sight_account`, `rut_account`, `line_of_credit`, or `credit_card`. example: checking_account institution: type: object description: Institution where the debited account lives. properties: id: type: string description: Identifier of the institution. example: cl_banco_de_chile country: type: string description: >- Lowercase ISO 3166-1 alpha-2 code of the institution's country. example: cl name: type: string description: Human-readable name of the institution. example: Banco de Chile required: - id - country - name status: type: string enum: - pending - active - canceled - expired description: >- Status of the direct debit subscription. One of `pending` (the bank has not confirmed the subscription yet), `active` (the subscription accepts charges), `canceled` (the subscription no longer accepts charges), or `expired` (the bank did not confirm the subscription within 7 days). Only payment methods whose subscription is `active` can be charged. example: active required: - account_holder_id - account_number - account_type - institution - status type: const: pac description: Type of the payment method. Always `pac`. required: - id - object - created_at - customer - mode - pac - type securitySchemes: api_key: type: apiKey name: Authorization in: header ````