--- page_title: Fetch Saved Payment Methods product: API Reference page_source: https://juspay.io/in/docs/api-reference/docs/express-checkout/fetch-saved-payment-methods openapi: https://juspay.io/in/docs/api/swagger?document=https%3A%2F%2Fjuspay.io%2Fin%2Fdocs%2Fapi-reference%2Fdocs%2Fexpress-checkout%2Ffetch-saved-payment-methods llms_txt: https://juspay.io/in/docs/llms.txt product_llms_txt: https://juspay.io/in/docs/api-reference/llms.txt --- ## API Version: default # **Fetch Customer's Saved Payment Methods** ## **Overview** This API enables merchants to fetch a customer's saved payment methods, helping create a faster and smoother checkout experience. #### **Supported Payment Methods** Currently, we support retrieving the following saved payment methods: * Virtual Payment Addresses (VPAs) * Cards * Wallets > **Note** > * The response includes **only supported** payment methods under the `saved_payment_methods`section. > * If a customer has saved payment methods that are **not supported** , they will be **explicitly listed separately** in the response under an `unsupported_payment_methods` section. ## **Authentication and Security** The API supports two authentication methods: 1. **API Key (Basic Auth):** Use the Authorization header with a base64-encoded API key. 2. **Client Authentication Token (Query Parameter):** Provide the client_auth_token as a query parameter.## Endpoints: - Sandbox: https://sandbox.juspay.in/customers/:customer_id/payment_methods - Production: https://api.juspay.in/customers/:customer_id/payment_methods ## Request Type: POST ## Content-Type: application/json ## Authorization: #### Basic Auth: Required for API key-based authentication - Value: Eg: Basic MUQ2QUxxxxxxxxxxxxU5QTIxQzNFNTQwNkFDMEZCOg== - Tags: Base64 Encoded Username:Password, Required ## Headers: #### Content-Type: Specifies the content type of the request - Value: application/json - Tags: String, Mandatory #### x-routing-id: We recommend passing the customer_id as the x-routing-id. If the customer is checking out as a guest, you can pass an alternative ID that helps track the payment session lifecycle. For example, this could be an Order ID or Cart ID. > **Warning** > This ID is associated with the customer. It plays a key role in ensuring consistency and maintaining connections across different systems. If you fail to pass the same x-routing-id for the same customer in all related API calls, it could lead to issues with API functionality. Therefore, it’s crucial that you use the same x-routing-id for all requests tied to the same customer. - Value: customer_1122 - Tags: String, Required ## Sample Code Snippets: ### Payment Methods — Sample Request: #### UPI Collect Code Snippet: ```upi collect curl --location 'https://api.juspay.in/customers/:customer_id/payment_methods' \ --header 'Content-Type: application/json' \ --header 'x-routing-id: customer_1122'\ --header 'Authorization: Basic ' \ --data '{"payment_method": ["UPI_COLLECT"]}' ``` #### Card Code Snippet: ```card curl --location 'https://sandbox.juspay.in/customers/:customer_id/payment_methods'\ --header 'Content-Type: application/json' \ --header 'x-feature: 63401596-6ca6-dc6e-8bae-60198ab63cc5' \ --header 'Authorization: Basic '\ --data '{ "payment_method": ["CARD"] }' ``` #### Wallet Code Snippet: ```wallet curl --location 'https://sandbox.juspay.in/customers/:customer_id/payment_methods'\ --header 'Content-Type: application/json' \ --header 'x-feature: 63401596-6ca6-dc6e-8bae-60198ab63cc5' \ --header 'Authorization: Basic '\ --data '{ "payment_method": ["WALLET"] }' ``` ### Payment Methods — Sample Response: #### UPI Collect: ```plaintext { "saved_payment_methods": { "payment_method_details": { "UPI_COLLECT": [ { "count": 1, "last_used": "2025-02-19T06:08:37Z", "vpa": "dummy_value_006" } ] } } } ``` #### Wallet: ```plaintext { "saved_payment_methods": { "payment_method_details": { "WALLET": [ { "linked": false, "id": "wlm_XXXXXXXXXXXXXXX", "metadata": { "mobile_Number": "XXXXXXXXXX", "device_Id": "DEVXXXXXXXXXXXX" }, "wallet": "TATANEU", "gateway_reference_id": "tataneuddwallet", "last_refreshed": "2025-04-24T07:34:10Z", "sub_details": [ { "last_Used": "2025-04-24T07:31:06Z", "current_Balance": null, "last_Refreshed": "2025-04-24T07:34:10Z", "payment_Method": "TATANEU", "payment_Method_Type": "WALLET" } ] }, { "linked": false, "id": "wlm_XXXXXXXXXXXXXXX", "metadata": { "mobile_Number": "XXXXXXXXXX", "device_Id": "DEVXXXXXXXXXXXX" }, "wallet": "TATANEU", "gateway_reference_id": "tataneuwalletDD", "last_refreshed": "2025-04-24T07:32:49Z", "sub_details": [ { "last_Used": "2025-04-24T07:29:18Z", "current_Balance": null, "last_Refreshed": "2025-04-24T07:32:49Z", "payment_Method": "TATANEU", "payment_Method_Type": "WALLET" } ] } ] } } } ``` #### Card: ```plaintext { "saved_payment_methods": { "payment_method_details": { "CARD": [ { "card_sub_type": "VISA SIGNATURE", "token": { "tokenization_status": "ACTIVE", "last_four_digits": "0952", "card_reference": "cref_XXXXXXXXXXXXXXX", "expiry_month": "08", "card_fingerprint": "XXXXXXXXXXXXXXX", "card_isin": "491618602", "expiry_year": "2028" }, "extended_card_type": "CREDIT", "card_global_fingerprint": "XXXXXXXXXXXXXXX", "tokens": [ { "tokenization_status": "ACTIVE", "last_four_digits": "0952", "card_reference": "cref_XXXXXXXXXXXXXXX", "expiry_month": "08", "card_fingerprint": "XXXXXXXXXXXXXXX", "card_isin": "491618602", "expiry_year": "2028" } ], "nickname": "", "provider_category": "NETWORK", "vault_provider": "JUSPAY", "card_reference": "cref_XXXXXXXXXXXXXXX", "card_type": "CREDIT", "metadata": { "origin_merchant_id": "demo_merchant" }, "card_issuer": "Kotak Mahindra Bank", "card_token": "tkn_XXXXXXXXXXXXXXXXXXXX", "card_exp_month": "08", "provider": "VISA", "card_sub_type_category": "RETAIL", "expired": false, "card_fingerprint": "XXXXXXXXXXXXXXX", "tokenize_support": false, "juspay_bank_code": "JP_KOTAK", "card_exp_year": "2028", "name_on_card": "John Doe", "country_code": "356", "card_number": "XXXX-XXXXXXXX-0952", "card_isin": "414767", "card_brand": "VISA", "card_issuer_country": "INDIA" } ] } } } ``` ## Query Parameters: #### client_auth_token: Required for client token authentication - Value: tkn_2424d8a02437437e896e10f3cc4ffb1a - Tags: String, Mandatory #### order_id: Optional order ID to retrieve specific payment methods - Value: order1737617967d - Tags: String, Optional ## API Responses: ### 200: #### UPI_COLLECT: - Description: An array containing details of saved UPI Collect VPAs. - Value: - **Count**: - Description: Number of Saved VPA’s - Tags: Number - **Last_used**: - Description: Timestamp (ISO 8601 format) of the last time this VPA was used. - Tags: String - **Vpa**: - Description: The Virtual Payment Address saved by the customer. - Tags: String - Tags: Array #### CARD: - Description: An array containing details of saved card - Value: - **Card_sub_type**: - Description: The subtype of the card (e.g., VISA SIGNATURE) - Tags: String - **Token**: - Description: Contains tokenization details of the card. - Value: - **Tokenization_status**: - Description: Status of the token (e.g., ACTIVE). - Tags: String - **Last_four_digits**: - Description: Last 4 digits of the tokenized card. - Tags: String - **Card_reference**: - Description: Reference ID for the tokenized card. - Tags: String - **Expiry_month**: - Description: Expiry month of the card. - Tags: String - **Expiry_year**: - Description: Expiry year of the card. - Tags: String - **Card_fingerprint**: - Description: Unique fingerprint of the tokenized card. - Tags: String - Tags: object - **Extended_card_type**: - Description: Extended classification of the card (e.g., CREDIT, DEBIT). - Tags: String - **Card_global_fingerprint**: - Description: Global identifier for the card across merchants. - Tags: String - **Nickname**: - Description: User-defined label for the saved card (if any). - Tags: String - **Provider_category**: - Description: Indicates the provider classification, typically NETWORK. - Tags: String - **Vault_provider**: - Description: Vault used to store card details (e.g., JUSPAY). - Tags: String - **Card_reference**: - Description: Juspay's internal reference for this saved card. - Tags: String - **Card_type**: - Description: Primary card type such as CREDIT or DEBIT. - Tags: String - **Metadata.origin_merchant_id**: - Description: Identifier for the merchant where the card was originally saved. - Tags: String - **Card_brand**: - Description: Brand/network of the card (e.g., VISA, MASTERCARD). - Tags: String - **Card_issuer**: - Description: The issuing bank (e.g., Kotak Mahindra Bank). - Tags: String - **Card_token**: - Description: Indicates if this card supports tokenization for network tokens. - Tags: boolean - **Card_exp_month**: - Description: Expiry month of the card (e.g., 08). - Tags: String - **Provider**: - Description: Network provider of the card (VISA, MASTERCARD, etc.). - Tags: String - **Expired**: - Description: Indicates whether the card is expired. - Tags: String - **Card_fingerprint**: - Description: Unique fingerprint for identifying the card securely. - Tags: String - **Juspay_bank_code**: - Description: Juspay-specific bank identifier (e.g., JP_KOTAK). - Tags: String - **Card_exp_year**: - Description: Expiry year of the card (e.g., 2028). - Tags: String - **Name_on_card**: - Description: Cardholder’s name as entered during card addition. - Tags: String - **Country_code**: - Description: ISO country code of the card (e.g., 356 for India). - Tags: String - **Card_number**: - Description: Masked card number (e.g., XXXX-XXXXXXXX-0952). - Tags: String - **Card_isin**: - Description: ISIN (International Securities Identification Number) for the card. - Tags: String - **Card_issuer_country**: - Description: Country of the issuing bank (e.g., INDIA). - Tags: String - **Last_four_digits**: - Description: Last four digits of the card for display purposes. - Tags: String - Tags: Array #### Wallet: - Value: - **Linked**: - Description: Indicates whether the wallet is currently linked to the user account. - Tags: boolean - **Id**: - Description: Unique identifier for the saved wallet payment method. - Tags: String - **Metadata**: - Description: Contains additional information about the wallet. - Value: - **Mobile_Number**: - Description: Masked mobile number associated with the wallet. - Tags: String - **Device_Id**: - Description: Device ID from which the wallet is accessed or registered. - Tags: String - Tags: object - **Wallet**: - Description: Name of the wallet provider (e.g., TATANEU). - Tags: String - **Gateway_reference_id**: - Description: Internal or gateway-specific reference ID for the wallet. - Tags: String - **Last_refreshed**: - Description: Timestamp indicating when the wallet data was last refreshed. - Tags: String - **Sub_details**: - Description: Contains sub-level wallet usage and balance details. - Value: - **Last_Used**: - Description: Timestamp of the last usage of the wallet. - Tags: String - **Current_Balance**: - Description: Current wallet balance. null if balance is not available. - Tags: null or number - **Last_Refreshed**: - Description: Timestamp when the sub-detail was last updated. - Tags: String - **Payment_Method**: - Description: Name of the wallet payment method. - Tags: String - **Payment_Method_Type**: - Description: Type of payment method (e.g., WALLET). - Tags: String - Tags: array - Tags: Array --- ## See Also - [Payment Methods](https://juspay.io/in/docs/api-reference/docs/express-checkout/payment-methods) - [EMI Plans V2](https://juspay.io/in/docs/api-reference/docs/express-checkout/emi-plans-v2)