Payment Methods

The payment-method endpoints let a customer list saved cards and direct-debit methods, create a Stripe SetupIntent, and persist the method after Stripe confirms it. All three operations require a linked customer profile.

These responses use top-level fields rather than the usual Customer API data envelope.

List Payment Methods

GET /payment-methods

curl "https://edge.tiquo.app/api/client/v1/payment-methods" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiJ9..."

{
  "success": true,
  "paymentMethods": [
    {
      "id": "pm_123",
      "kind": "card",
      "label": "Visa ending in 4242",
      "brand": "visa",
      "last4": "4242",
      "expMonth": 12,
      "expYear": 2029,
      "cardUseType": "personal",
      "isDefault": true
    }
  ]
}

Field	Type	Description
`id`	string	Stripe payment-method ID or Tiquo saved-card identity
`kind`	string or omitted	`card` or `direct_debit`
`label`	string or omitted	Display-safe payment-method label
`brand`	string or omitted	Card brand
`last4`	string or omitted	Last four card or account digits
`expMonth`	integer or omitted	Card expiry month
`expYear`	integer or omitted	Card expiry year
`bankName`	string or omitted	Bank name for supported direct-debit methods
`cardUseType`	string or omitted	`business` or `personal` for cards
`isDefault`	boolean	Whether this is the customer's default payment method

Start a Setup

POST /payment-methods/setup

The optional paymentMethodTypes array accepts card and direct_debit. When it is omitted or contains no supported value, the endpoint starts a card-only setup.

curl -X POST "https://edge.tiquo.app/api/client/v1/payment-methods/setup" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiJ9..." \
  -H "Content-Type: application/json" \
  -d '{"paymentMethodTypes":["card"]}'

{
  "success": true,
  "setupIntentId": "seti_123",
  "clientSecret": "seti_123_secret_..."
}

Use the clientSecret with Stripe's client SDK to collect and confirm the payment details. Tiquo does not receive raw card or bank-account details.

Finish a Setup

After Stripe reports that the SetupIntent succeeded, send its ID to:

POST /payment-methods/confirm

Field	Type	Required	Description
`setupIntentId`	string	Yes	SetupIntent created by `/payment-methods/setup`
`cardUseType`	string	No	`business` or `personal`; cards default to `personal`
`setAsDefaultPaymentMethod`	boolean	No	Make this method the default. The first saved method becomes the default automatically.

curl -X POST "https://edge.tiquo.app/api/client/v1/payment-methods/confirm" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiJ9..." \
  -H "Content-Type: application/json" \
  -d '{
    "setupIntentId": "seti_123",
    "cardUseType": "personal",
    "setAsDefaultPaymentMethod": true
  }'

{
  "success": true,
  "paymentMethod": {
    "id": "pm_123",
    "kind": "card",
    "label": "Visa ending in 4242",
    "brand": "visa",
    "last4": "4242",
    "expMonth": 12,
    "expYear": 2029,
    "cardUseType": "personal",
    "isDefault": true
  }
}

The endpoint rejects a SetupIntent that is incomplete, belongs to another customer, or was not created by this customer payment-method flow.

Errors

Status	Description
`400`	The payment operation could not be completed or `setupIntentId` is missing or invalid
`401`	Missing, invalid, or expired access token
`403`	No customer profile is linked to the authenticated account
`500`	Internal server error

Payment Methods

Payment Methods

List Payment Methods

Start a Setup

Finish a Setup

Errors

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