Payment Methods

This page details how we categorize the types of payment used, known as the 'payment instrument' or 'payment method'.

There are many different forms of 'payment instrument'; the item or mechanism a party uses to pay another party. The main categories for these within our APIs are:

• Card - a physical or digital card entity, these will sit under a 'card scheme' such as Visa and contain information like a card number and expiry date, the data required and stored in this case follows a specific set of rules
• Alternative - an alternative form of payment, such as digit wallets like Google Pay or PayPal, or tokenized card data, the data stored here varies depending on the service used

Card Brands

See the following table for some examples on the combined set of card brands / schemes referenced across RESTful payment API.

Value (paymentMethod... ...paymentCard.brand) OR (paymentToken.brand)	Description
AMEX	Closed-loop payment scheme named American Express
DINERSCLUB	Card brand owned by Discover
MAESTRO	Brand of debit cards owned by Mastercard
MASTERCARD	Second most common card scheme supported almost everywhere
VISA	Most common card scheme supported almost everywhere

Alternative Payment Methods

Examples of alternative payment methods (sometimes abbreviated to APM's) are as follows:

Value (paymentMethod.type)	Description
Natwest_Payit	Payit by NatWest. Open Banking payments in the UK.

Wallet Payment Methods

Value (walletPaymentMethod)	Description
EncryptedGooglePayWalletPaymentMethod	Encrypted GooglePay transaction
EncryptedApplePayWalletPaymentMethod	Encrypted ApplePay transaction
DecryptedApplePayWalletPaymentMethod	Decrypted ApplePay transaction
DecryptedGooglePayWalletPaymentMethod	Decrypted GooglePay transaction

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For more payment brands please check the latest version of yaml file.

Along with the brand you will receive paymentMethodType and paymentMethodBrandunder PaymentMethodDetails in the response.

Example:

paymentMethodType = PAYMENT_CARD
paymentMethodBrand = VISA