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# PaymentMethod

> The PaymentMethod object represents payment method details associated with a customer account.

The PaymentMethod object represents payment method details associated with a customer account.

Payment methods are the ways in which customers pay for their subscriptions. Your customers can choose a payment method from your company's list of preferred payment methods.

Electronic payment methods include credit cards, debit cards, bank transfers, and third-party processors, such as PayPal. Non-electronic methods, which must be made outside of Zuora Payments, are called external methods, and include checks, cash, and wire transfers.

You define payment methods in the web-based UI. The methods that you define are available for you to use for individual customer accounts in the API.

## Supported payment methods

<table>
  <tr>
    <th>
      Payment method
    </th>

    <th>
      Description
    </th>
  </tr>

  <tr>
    <td>
      ACH
    </td>

    <td>
      An Automated Clearing House (ACH) payment is a form of electronic funds transfer or bank transfer that provides a secure, efficient method of receiving payments through the ACH Network.

      ACH is also called direct debit.
    </td>
  </tr>

  <tr>
    <td>
      Bank Transfer
    </td>

    <td>
      This payment method includes the following types:

      * SEPA. European Union payment integration for bank transfers in Euro denomination.
      * Direct Debit UK (BACS)
      * AU Direct Entry (BECS)
      * Direct Debit DK (Betalingsservice)
      * Direct Debit SE (Autogiro)
      * Direct Debit CH (Lastschrift)
      * Direct Debit NZ (BECS)
      * AutomatischIncasso (NL)
      * Lastschrift DE (Germany)
      * Demande De Prelevement (FR)
      * Domicil (Belgium)
      * RID (Italy)
      * Orden De Domiciliacion (Spain)
    </td>
  </tr>

  <tr>
    <td>
      Cash
    </td>

    <td>
      Cash is money in the physical form of currency, such as bank notes or coins.
    </td>
  </tr>

  <tr>
    <td>
      CC Reference Transaction
    </td>

    <td>
      A credit card reference transaction reuses existing credit card information. If you need to recharge a credit card and you are not storing the credit card information in your local database, then you can perform a CC reference transaction. This method of payment is available if PayPal is used as the payment gateway.
    </td>
  </tr>

  <tr>
    <td>
      Check
    </td>

    <td>
      A check is a negotiable instrument instructing a financial institution to pay a specific amount of a specific currency from a specified demand account held in the depositor's name with that institution.
    </td>
  </tr>

  <tr>
    <td>
      Credit Card
    </td>

    <td>
      Purchasers can use credit cards to buy goods based on the card holder’s promise to pay for these goods and services. Zuora support Visa, Mastercard, American Express and Discover cards.
    </td>
  </tr>

  <tr>
    <td>
      Debit Card
    </td>

    <td>
      A debit card is also called a banking card, check card or ATM card. It is used as an alternative to cash when making purchases. The funds for a debit card purchase are withdrawn directly from the bank account. Zuora support Signature (or PIN-less) debit cards that have a Visa or Mastercard logo.
    </td>
  </tr>

  <tr>
    <td>
      PayPal
    </td>

    <td>
      With PayPal, customers can send payments securely online using a stored value account that is linked to a credit card, Signature (PINless) debit card, or bank account.
    </td>
  </tr>

  <tr>
    <td>
      Wire Transfer
    </td>

    <td>
      A wire transfer is a method of transferring money from one person or institution to another. A wire transfer can be made from one bank account to another bank account or through a transfer of cash at a cash office.
    </td>
  </tr>

  <tr>
    <td>
      Other
    </td>

    <td>
      Use this option for other payment methods.
    </td>
  </tr>
</table>

The SOAP API does not support the following payment method types.

* Adyen Apple Pay
* Adyen Google Pay
* Custom payment method type

## Supported calls

You can use this object with the following calls:

* create()
* query()
* update()
* delete()

> The PaymentMethod object represents payment method details associated with a customer account.

## Docs

- [Field descriptions of PaymentMethod](https://zuora.ferndocs.com/docs/platform/integration/apis/soap-api/soap-api-object-reference/paymentmethod/field-descriptions.md): This reference provides the description of the fields on the PaymentMethod object.
- [Additional field details of PaymentMethod](https://zuora.ferndocs.com/docs/platform/integration/apis/soap-api/soap-api-object-reference/paymentmethod/additional-field-details.md): Additional details of the fields on the PaymentMethod object.