Payer Payment Methods
Payer payment methods record the payment instruments (cards, direct debits, wallets, EFT) that customers have registered for use with external payment processors. The design supports modern payment processor integrations with tokenised card storage and fraud-monitoring data.
Core fields
Each payment method links a customer to a payment instrument with processor-specific details.
| Field | Purpose |
|---|---|
| Customer | The customer who owns the payment method |
| Method type | Card, direct debit, wallet, or electronic funds transfer |
| Primary method | Whether this is the customer's default payment method |
| Payment processor | The processor that tokenised or manages the payment method |
| Country | The country associated with the payment method |
Card-specific fields
For card-type payment methods, the platform stores scheme and verification details without retaining full card numbers:
| Field | Purpose |
|---|---|
| Card network | The scheme, such as Visa or Mastercard |
| Expiry | Expiry month and year |
| Funding method | Credit or debit |
| Last four digits | The final four card digits only |
| Card fingerprint | A processor-generated reference used to detect duplicates |
| Processor token | The processor's token or identifier for the payment method |
Verification results
Address Verification Service (AVS) and CVC check results from the processor are stored for fraud-monitoring purposes:
| Field | Purpose |
|---|---|
| Address line check | Processor result for address line verification |
| Postal code check | Processor result for postal code verification |
| CVC check | Processor result for CVC verification |
| 3D Secure support | Whether the card supports 3D Secure flows |
Network routing
Some payment methods can be routed through more than one network. FXM can record the available networks and the preferred network for routing decisions.
Primary method
Each customer can have multiple payment methods, but only one active primary method. This prevents ambiguity about which payment method should be used by default.
Access control
Payment methods are visible only to users who are allowed to view the customer or manage the payment method. Administrative users can manage payment methods according to the tenant's access settings.