> ## 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 Method` objects represent your customers' payment instruments. You can use them to collect payments on demand or add them to subscriptions to automate recurring payments.

```json 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": "134910798",
    "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` | Identifier for the type of object. Its value will always be `payment_method`                                   |
| `created_at`              | `string` | Creation date, using ISO 8601                                                                                  |
| `customer`                | `string` | `Customer` ID associated with this payment method                                                              |
| `mode`                    | `string` | Indicates whether the `Payment Method` is in `live` mode or in `test` mode                                     |
| `pac`                     | `hash`   | Only present if this is an object of type `pac`. Contains details specific to a `pac` payment method           |
| `pac.account_holder_id`   | `string` | Identifier of the owner of the account. In Chile, it corresponds to a RUT                                      |
| `pac.account_number`      | `string` | Account number. Does not include hyphens nor prefixed zeros                                                    |
| `pac.account_type`        | `string` | Type of the account                                                                                            |
| `pac.institution`         | `hash`   | Financial institution associated with the `pac`                                                                |
| `pac.institution.id`      | `string` | Unique identifier for the institution                                                                          |
| `pac.institution.country` | `string` | Country of the institution                                                                                     |
| `pac.institution.name`    | `string` | Name of the institution                                                                                        |
| `pac.status`              | `string` | Indicates if the `pac` is available (`active`), awaiting confirmation (`pending`) or unavailable (`canceled`)  |
| `type`                    | `string` | The type of the `Payment Method`. An additional hash is included on the object with a name matching this value |