> ## 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. # Payment method object > Payment Methods represent your customers' payment instruments. You can use them to collect payments on demand or add them to subscriptions to automate recurring payments. ## 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. ```json Payment Method Object theme={null} { "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": "9530516286", "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`. | | `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`. | | `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 `card` 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 con Cuenta (PAC), a recurring direct-debit authorization on the customer's bank account, returned in the `pac` field when the Payment Method `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](#the-institution-object-within-the-pac-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, returned 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](https://docs.fintoc.com/docs/payment-initiation-countries-and-institutions). | | `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 the card can currently be charged. 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 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 \| null` | Wallet used to enroll the card. One of `apple_pay` or `null` for cards entered manually. | A card enrolled through a wallet such as Apple Pay returns `apple_pay` in `wallet` and `null` values for `expiration.month` and `expiration.year`: ```json Card Payment Method theme={null} { "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" } ```