# Payment methods

> Saved cards attached to customers. Created by checkout, charged by subscriptions.

Source: https://docs.borga.is/api/payment-methods

Payment methods are created when a session with `save_payment_method` or `subscription` succeeds; there is no create endpoint. See [Saved cards](/payments/saved-cards).

**The payment method object**

- `id` (string): Prefixed `pm_`.
- `object` (string): `payment_method`
- `customer` (string): <Param name="type" type="enum">`card`
- `status` (enum): `active`, `detached`, `expired` or `failed`.
- `card` (object | null): `brand`, `last4`, `exp_month`, `exp_year` and `wallet_type` (`apple_pay`, `google_pay` or `null`).
- `created_at` (timestamp): - `detached_at` (timestamp | null) ## Retrieve a payment method `GET /v1/payment_methods/:id` ```bash curl https://api.borga.is/v1/payment_methods/pm_1Ab3Cd5Ef7Gh9Ij1Kl3Mn5Op \ -H "Authorization: Bearer sk_test_…" ``` ## List payment methods `GET /v1/payment_methods` Returns active (not detached) payment methods. **Query parameters** <Param name="customer" type="string">Only this customer's cards.
- `limit` (integer, default 25): Up to 100.
- `starting_after` (string): Cursor.

```ts Node.js
const { data: cards } = await borga.paymentMethods.list({
  customer: "cus_8Jk2Lm4Np6Qr8St0Uv2Wx4Yz",
});

for (const pm of cards) {
  console.log(pm.id, pm.card?.brand, pm.card?.last4, pm.status);
}

// Choose which card subscriptions charge.
await borga.paymentMethods.setDefault(cards[0].id);

// Remove a card the customer no longer wants on file.
await borga.paymentMethods.detach(cards[1].id);
```

## Set as default

`POST /v1/payment_methods/:id/set_default`

Makes this the customer's default payment method, used by `charge_automatically` subscriptions. The first card saved to a customer becomes the default automatically. Fails with [`payment_method_inactive`](/errors/payment_method_inactive) if the card is not `active`.

```bash
curl -X POST https://api.borga.is/v1/payment_methods/pm_1Ab3Cd5Ef7Gh9Ij1Kl3Mn5Op/set_default \
  -H "Authorization: Bearer sk_test_…"
```

## Detach a payment method

`DELETE /v1/payment_methods/:id`

Marks the card `detached`. It can no longer be charged, and if it was the default the customer has no default until another card is saved or chosen. Emits `payment_method.detached`.

```bash
curl -X DELETE https://api.borga.is/v1/payment_methods/pm_1Ab3Cd5Ef7Gh9Ij1Kl3Mn5Op \
  -H "Authorization: Bearer sk_test_…"
```