Skip to main content

Stored Payment Methods

Enable customers to save payment methods for faster checkout.

Overview​

Stored payment methods allow customers to:

  • Save credit/debit cards
  • Reuse payment information
  • Enable faster checkout
  • Set up recurring payments

Implementation​

Enable Storage​

When creating a payment session, set storePaymentMethod: true:

const session = await sdk.transactions.clientSessions.payments.start({
  transactionProvider: TRANSACTION_PROVIDER.NUVEI,
  data: {
    // ... other fields
    storePaymentMethod: true, // Enable storing payment method
  },
});

Add Payment Method Without Payment​

You can also add a payment method without making a payment (for $0 authorization):

// Start add payment method session
const addPmSession = await sdk.transactions.clientSessions.paymentMethod.add.start({
  transactionProvider: TRANSACTION_PROVIDER.NUVEI,
  data: {
    currency: CURRENCY.USD,
    merchantInternalCustomerCode: 'customer-123',
    merchantInternalTransactionCode: `add-pm-${Date.now()}`,
    billing: {
      billingEmail: 'john@example.com',
      billingFirstName: 'John',
      billingLastName: 'Doe',
      billingAddressCountry: COUNTRY_ISO_2.US,
    },
  },
});

// After frontend processing, verify to get the stored payment method
const transaction = await sdk.transactions.clientSessions.paymentMethod.add.verify({
  id: addPmSession.id,
});

console.log('Payment method stored:', transaction.paymentMethod?.id);

List Stored Methods​

const methods = await sdk.paymentMethods.getMany({
  merchantInternalCustomerCode: 'customer-123',
});

Use Stored Method​

Charge using a stored payment method:

const transaction = await sdk.transactions.payments.paymentMethod.charge({
  transactionProvider: TRANSACTION_PROVIDER.NUVEI,
  data: {
    amount: 2500n,
    currency: CURRENCY.USD,
    merchantCustomerPaymentMethodId: 'pm_123',
    merchantInternalCustomerCode: 'customer-123',
    merchantInternalTransactionCode: `txn-${Date.now()}`,
    billing: {
      billingEmail: 'john@example.com',
      billingFirstName: 'John',
      billingLastName: 'Doe',
      billingAddressCountry: COUNTRY_ISO_2.US,
    },
  },
});

Use stored payment methods for:

  • Recurring payments
  • Subscription charges
  • Quick checkout

Security​

Stored payment methods are:

  • Tokenized securely
  • PCI-compliant
  • Encrypted at rest