> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.crisscross.money/api-reference/collect/payers/stored-payment-methods/add-stored-payment-method/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.crisscross.money/_mcp/server.

# Add Stored Payment Method

POST https://api.crisscross.money/v1/payers/{payerId}/paymentMethods
Content-Type: application/json

Adds a new stored payment method to an existing payer profile. This call allows businesses to expand the payment options available to a payer, facilitating future transactions by storing necessary payment details securely.


Reference: https://docs.crisscross.money/api-reference/collect/payers/stored-payment-methods/add-stored-payment-method

## Request

### Path parameters

- `payerId` (string, required) — The unique identifier for the payer. See the [Payer ID guide](/payer-id).

### Body (application/json)

This endpoint expects a PaymentMethodRequest.

- `PaymentMethodRequest`

## Response

### 201

Stored payment method added successfully.

- `paymentMethodToken` (string, optional) — Token representing the payment method.
- `type` (string, optional) — Type of the payment method.
- `identifier` (string, optional) — Identifier for the payment method (e.g., last 4 digits).
- `lastUsed` (datetime, optional) — Timestamp of the last successful transaction.
- `createdAt` (datetime, optional) — Timestamp when the payment method was added.
- `cardBrand` (string, optional) — Brand of the card (e.g., Visa, MasterCard).
- `lastFourDigits` (string, optional) — Last four digits of the card number.
- `mobileNumber` (string, optional) — Masked mobile number (e.g., '*** **** 5678').
- `bankName` (string, optional) — Name of the bank.
- `accountIdentifier` (string, optional) — Masked account number (e.g., '**** **** 1234').

## Errors

### 400 Bad Request Error

Invalid request parameters.

- `message` (string, required) — Human-readable description of what went wrong.
- `error` (string, required) — Error category, typically the HTTP reason phrase (e.g. "Bad Request", "Unauthorized", "Conflict", "Unprocessable Entity", "Internal Server Error").
- `statusCode` (integer, required) — HTTP status code, mirroring the response header. The response header is the source of truth.

## Examples

**Request**

```json
{
  "type": "debitCard",
  "encryptedPan": "string",
  "encryptedCvv": "string"
}
```

**Response**

```json
{
  "paymentMethodToken": "string",
  "type": "string",
  "identifier": "string",
  "lastUsed": "2024-01-15T09:30:00Z",
  "createdAt": "2024-01-15T09:30:00Z",
  "cardBrand": "string",
  "lastFourDigits": "string"
}
```

**SDK Code**

```python
import requests

url = "https://api.crisscross.money/v1/payers/payerId/paymentMethods"

payload = {
    "type": "debitCard",
    "encryptedPan": "string",
    "encryptedCvv": "string"
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api.crisscross.money/v1/payers/payerId/paymentMethods';
const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: '{"type":"debitCard","encryptedPan":"string","encryptedCvv":"string"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.crisscross.money/v1/payers/payerId/paymentMethods"

	payload := strings.NewReader("{\n  \"type\": \"debitCard\",\n  \"encryptedPan\": \"string\",\n  \"encryptedCvv\": \"string\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api.crisscross.money/v1/payers/payerId/paymentMethods")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Content-Type"] = 'application/json'
request.body = "{\n  \"type\": \"debitCard\",\n  \"encryptedPan\": \"string\",\n  \"encryptedCvv\": \"string\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.crisscross.money/v1/payers/payerId/paymentMethods")
  .header("Content-Type", "application/json")
  .body("{\n  \"type\": \"debitCard\",\n  \"encryptedPan\": \"string\",\n  \"encryptedCvv\": \"string\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.crisscross.money/v1/payers/payerId/paymentMethods', [
  'body' => '{
  "type": "debitCard",
  "encryptedPan": "string",
  "encryptedCvv": "string"
}',
  'headers' => [
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api.crisscross.money/v1/payers/payerId/paymentMethods");
var request = new RestRequest(Method.POST);
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"type\": \"debitCard\",\n  \"encryptedPan\": \"string\",\n  \"encryptedCvv\": \"string\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = ["Content-Type": "application/json"]
let parameters = [
  "type": "debitCard",
  "encryptedPan": "string",
  "encryptedCvv": "string"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.crisscross.money/v1/payers/payerId/paymentMethods")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```