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# Payment options

Payment acceptors are ways for your customers to pay the invoice. They go further than payment methods, since they also cover integrations with payment service providers.

The API supports three types of payment acceptor:

| Type              | What it does                                                                                                                                     |
| ----------------- | ------------------------------------------------------------------------------------------------------------------------------------------------ |
| `BANK_ACCOUNT`    | The customer transfers to a bank account shown on the invoice                                                                                    |
| `PAYMENT_GATEWAY` | Payment is collected through a connected payment service provider                                                                                |
| `CUSTOM_REDIRECT` | The customer is sent to a URL you control to pay; see [Custom redirect](/platform-guides/platform-configuration/payment-options/custom-redirect) |

Payment acceptors are set within your billing entity. You can add multiple payment acceptors to a single billing entity. Once they are set up, they can be chosen as the payment acceptance mode in the subscription and will be shown on the invoice.

![Payment acceptors on a billing entity](/_fern-img/6f2af8aa8049c0977845f46259ca11dca5e98c6b28c28c8e91f1e89e305485ed.webp)

---

## Bank account

Add a bank account acceptor to a billing entity by entering the account details in the form below.

![Bank account payment acceptor form](/_fern-img/6d40f5a1bd7c93c0db99dac0444c1088eee8a6d7509f46c64320ba129271078b.webp)

## Stripe

> **Note**
>
> The Stripe account only appears in the integrations dropdown once it has been connected to your Solvimon account.

Enter the Stripe account details and pick the account from the integration dropdown. It is then configured as a payment acceptor on that billing entity.

![Stripe payment acceptor form](/_fern-img/b898a49f23d87b190486ead6e1046f57247113bf54f5996b005bd07fbcbbb029.webp)

![Stripe account selected in the integration dropdown](/_fern-img/459c5e73b51b033a05df2bd69ac4710df1c9a607e79d68fd85fe108f0f5870ff.webp)

---

## Payment methods

A payment acceptor is how the invoice can be paid. A payment method is the specific instrument a customer pays with, stored against that customer and collected through the acceptor's provider.

| Type                | What it is                               | Notes                                                                                                                                                       |
| ------------------- | ---------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `CARD`              | A stored card                            | Carries an expiry date, so it fails when the card expires. Retried automatically where the provider supports it                                             |
| `DIRECT_DEBIT`      | A bank account debited under a mandate   | Cheapest for recurring billing. The mandate lives at the provider; see [Direct debit](/platform-guides/platform-configuration/payment-options/direct-debit) |
| `ONLINE_BANKING`    | A bank redirect, such as iDEAL           | One-off by nature: the customer authorises each payment                                                                                                     |
| `DIGITAL_WALLET`    | A wallet such as Apple Pay or Google Pay | Availability depends on the provider and the customer's device                                                                                              |
| `BUY_NOW_PAY_LATER` | A deferred payment provider              | Availability depends on the provider and the market                                                                                                         |
| `UNKNOWN`           | The type could not be determined         | Usually a method imported from another system                                                                                                               |

Which types and variants you can actually offer depends on the provider connected to the billing entity and the country involved. Read the combinations available to you rather than assuming:

**`Get available payment method options`**

```bash Get available payment method options
curl -X POST https://test.api.solvimon.com/v1/payment-acceptors/payment-method-options \
  -H "X-API-KEY: <apiKey>" \
  -H "Content-Type: application/json" \
  -d '{
    "payment_acceptor_id": "paya_example",
    "payment_method_type": "DIRECT_DEBIT"
  }'
```

**`Response`**

```json Response
[
  {
    "payment_acceptor": {
      "id": "paya_example",
      "type": "PAYMENT_GATEWAY"
    },
    "integration": {
      "id": "intg_example",
      "provider": "ADYEN"
    },
    "options": [
      {
        "payment_method_variant": "sepaDirectDebit",
        "payment_gateway_variant": "sepadirectdebit"
      }
    ]
  }
]
```

Every stored method has a `status` of `SETUP`, `ACTIVE`, `INACTIVE`, or `ARCHIVED`, and one method per customer can be `is_default`. Create methods by tokenizing through the provider (`POST /v{version}/payment-methods/tokenize`) or by letting the customer add them in [hosted checkout](/platform-guides/customers-and-billing/checkout) or the [customer portal](/platform-guides/customers-and-billing/customer-portal), rather than posting raw card or bank details.

**`List a customer's payment methods`**

```bash List a customer's payment methods
curl -X GET "https://test.api.solvimon.com/v1/payment-methods?customer_id=cust_example" \
  -H "X-API-KEY: <apiKey>"
```

**`Response`**

```json Response
{
  "data": [
    {
      "object_type": "PAYMENT_METHOD",
      "id": "paym_example",
      "customer_id": "cust_example",
      "type": "DIRECT_DEBIT",
      "status": "ACTIVE",
      "is_default": true,
      "direct_debit": {
        "variant": "sepaDirectDebit",
        "owner_name": "Acme Corp",
        "iban": "DE89****1234",
        "bic": "COBADEFFXXX",
        "country": "DE"
      },
      "integration_id": "intg_example"
    }
  ],
  "page": 0,
  "limit": 20,
  "links": {
    "current": "https://api.solvimon.com/v1/payment-methods?page=0"
  }
}
```

For what happens when a payment on one of these methods fails, see [Dunning & payment retries](/platform-guides/invoicing/dunning-and-payment-retries).

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