# Payment methods tools > MCP tools for Payment methods: payment_methods_delete, payment_methods_get, payment_methods_list, payment_methods_set_default. - `payment_methods_delete`: Detach a payment method - `payment_methods_get`: Get a payment method - `payment_methods_list`: List a customer's payment methods - `payment_methods_set_default`: Make a payment method the default ## `payment_methods_delete` **Detach a payment method.** Operation [`payment_methods.delete`](https://ownrecord.io/docs/reference/payment-methods-delete.md) · Brand level · permission `customers:write` · risk tier `write` · since M5 Detaches a saved payment method: it is never charged again and stops being the default (subscriptions then charge the customer's new default, if any). It stays readable with `detachedAt`; the processor detaches it too, right after. Detaching a detached method changes nothing. Emits `payment_method.detached`. Annotations: `readOnlyHint: false` · `destructiveHint: true` · `idempotentHint: true` · `openWorldHint: true` ### Arguments | Argument | Type | Required | Description | | ----------------- | ------------ | -------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `id` | ID (`pm_…`) | yes | – | | `entity_id` | ID (`ent_…`) | no | Optional: the brand's legal entity (ent\_…); `brand_id` alone is enough. | | `brand_id` | ID (`brd_…`) | no | The brand to act on (brd\_…), inside your API key's reach. Needed with an organization or entity key; a brand key acts on its own brand. | | `idempotency_key` | string | no | A unique string for this change. Retrying with the same key and arguments never acts twice. When left out, the server generates one and returns it in the result's `idempotency_key`. (1–255 characters) | | `dry_run` | boolean | no | true: check permissions and rules and compute the result, then roll everything back. Nothing is saved. (default `false`) | - **Brand:** pass `brand_id` with an organization or entity key; a brand key acts on its own brand. - **Idempotency:** the result returns the `idempotency_key` used, yours or one the server generated. Retry with it: a call with the same key and arguments never acts twice (keys are kept for 24 hours). - **Dry run:** supported. `dry_run: true` checks permissions and rules and computes the result, then rolls everything back. ### Errors - [`resource_not_found`](https://ownrecord.io/docs/reference/errors.md#resource_not_found): No payment method with this ID is visible to the request. - [`version_conflict`](https://ownrecord.io/docs/reference/errors.md#version_conflict): The customer's methods changed at the same time; retry. - [`permission_denied`](https://ownrecord.io/docs/reference/errors.md#permission_denied): You can't change this brand's customers (`customers:write`). ### Example **Remove an old card** Arguments: ```json { "id": "pm_01m4tx5nj8emwbyf7y9vcf47zd", "brand_id": "brd_01jbx4m3v8e9t0s6k2c5n7q1wz", "idempotency_key": "8d0c5f8e-4b7a-4e43-9b0f-2f6a0c1d9e21" } ``` Result `output`: ```json { "id": "pm_01m4tx5nj8emwbyf7y9vcf47zd", "object": "payment_method", "livemode": false, "brandId": "brd_01m4tx5nj8emwbyf7y9vcf47x4", "customerId": "cus_01m4tx5nj8emwbyf7y9vcf47z4", "processor": "stripe", "processorConnectionId": "pcon_01m4tx5nj8emwbyf7y9vcf47zf", "processorRef": { "paymentMethodId": "pm_1QExampleCard" }, "type": "card", "card": { "brand": "visa", "last4": "4242", "expMonth": 12, "expYear": 2029, "country": "DE" }, "isDefault": false, "source": "checkout", "createdAt": "2026-10-13T12:00:00.000Z", "detachedAt": "2026-10-20T09:00:00.000Z" } ``` ## `payment_methods_get` **Get a payment method.** Operation [`payment_methods.get`](https://ownrecord.io/docs/reference/payment-methods-get.md) · Brand level · permission `customers:read` · risk tier `read` · since M5 Reads a saved payment method: its type, card details (no number), customer and whether it is the default. Annotations: `readOnlyHint: true` · `destructiveHint: false` · `idempotentHint: true` · `openWorldHint: false` ### Arguments | Argument | Type | Required | Description | | ----------- | ------------ | -------- | ---------------------------------------------------------------------------------------------------------------------------------------- | | `id` | ID (`pm_…`) | yes | – | | `entity_id` | ID (`ent_…`) | no | Optional: the brand's legal entity (ent\_…); `brand_id` alone is enough. | | `brand_id` | ID (`brd_…`) | no | The brand to act on (brd\_…), inside your API key's reach. Needed with an organization or entity key; a brand key acts on its own brand. | - **Brand:** pass `brand_id` with an organization or entity key; a brand key acts on its own brand. - **Read-only:** changes nothing; `idempotency_key` is ignored. ### Errors - [`resource_not_found`](https://ownrecord.io/docs/reference/errors.md#resource_not_found): No payment method (or customer) with this ID is visible to the request. - [`permission_denied`](https://ownrecord.io/docs/reference/errors.md#permission_denied): You can't see this brand's customers (`customers:read`). ### Example **A saved card** Arguments: ```json { "id": "pm_01m4tx5nj8emwbyf7y9vcf47zd", "brand_id": "brd_01jbx4m3v8e9t0s6k2c5n7q1wz" } ``` Result `output`: ```json { "id": "pm_01m4tx5nj8emwbyf7y9vcf47zd", "object": "payment_method", "livemode": false, "brandId": "brd_01m4tx5nj8emwbyf7y9vcf47x4", "customerId": "cus_01m4tx5nj8emwbyf7y9vcf47z4", "processor": "stripe", "processorConnectionId": "pcon_01m4tx5nj8emwbyf7y9vcf47zf", "processorRef": { "paymentMethodId": "pm_1QExampleCard" }, "type": "card", "card": { "brand": "visa", "last4": "4242", "expMonth": 12, "expYear": 2029, "country": "DE" }, "isDefault": true, "source": "checkout", "createdAt": "2026-10-13T12:00:00.000Z", "detachedAt": null } ``` ## `payment_methods_list` **List a customer's payment methods.** Operation [`payment_methods.list`](https://ownrecord.io/docs/reference/payment-methods-list.md) · Brand level · permission `customers:read` · risk tier `read` · since M5 Lists the payment methods a customer saved (from a subscription checkout or a setup checkout), newest first: the card's brand, last four digits, expiry and country, and which one is the default that subscriptions charge. Card numbers never reach Ownrecord. Detached methods are listed only with `includeDetached`. Paginate with `limit` (1–100, default 10) and `starting_after` (the `next_cursor` of the previous page). Annotations: `readOnlyHint: true` · `destructiveHint: false` · `idempotentHint: true` · `openWorldHint: false` ### Arguments | Argument | Type | Required | Description | | ----------------- | --------------------------------- | -------- | ---------------------------------------------------------------------------------------------------------------------------------------- | | `customerId` | ID (`cus_…`) | yes | – | | `includeDetached` | boolean or one of `true`, `false` | no | Also list detached methods. | | `limit` | integer | no | (1–100) | | `starting_after` | ID (`pm_…`) | no | – | | `entity_id` | ID (`ent_…`) | no | Optional: the brand's legal entity (ent\_…); `brand_id` alone is enough. | | `brand_id` | ID (`brd_…`) | no | The brand to act on (brd\_…), inside your API key's reach. Needed with an organization or entity key; a brand key acts on its own brand. | - **Brand:** pass `brand_id` with an organization or entity key; a brand key acts on its own brand. - **Read-only:** changes nothing; `idempotency_key` is ignored. ### Errors - [`resource_not_found`](https://ownrecord.io/docs/reference/errors.md#resource_not_found): No payment method (or customer) with this ID is visible to the request. - [`permission_denied`](https://ownrecord.io/docs/reference/errors.md#permission_denied): You can't see this brand's customers (`customers:read`). ### Example **A customer's cards** Arguments: ```json { "customerId": "cus_01m4tx5nj8emwbyf7y9vcf47z4", "brand_id": "brd_01jbx4m3v8e9t0s6k2c5n7q1wz" } ``` Result `output`: ```json { "object": "list", "data": [ { "id": "pm_01m4tx5nj8emwbyf7y9vcf47zd", "object": "payment_method", "livemode": false, "brandId": "brd_01m4tx5nj8emwbyf7y9vcf47x4", "customerId": "cus_01m4tx5nj8emwbyf7y9vcf47z4", "processor": "stripe", "processorConnectionId": "pcon_01m4tx5nj8emwbyf7y9vcf47zf", "processorRef": { "paymentMethodId": "pm_1QExampleCard" }, "type": "card", "card": { "brand": "visa", "last4": "4242", "expMonth": 12, "expYear": 2029, "country": "DE" }, "isDefault": true, "source": "checkout", "createdAt": "2026-10-13T12:00:00.000Z", "detachedAt": null } ], "has_more": false, "next_cursor": null } ``` ## `payment_methods_set_default` **Make a payment method the default.** Operation [`payment_methods.set_default`](https://ownrecord.io/docs/reference/payment-methods-set-default.md) · Brand level · permission `customers:write` · risk tier `write` · since M5 Makes a saved payment method its customer's default: subscriptions that don't name their own method charge it from now on. The previous default stays saved. Detached methods can't be the default. Emits `payment_method.updated` for both. Annotations: `readOnlyHint: false` · `destructiveHint: false` · `idempotentHint: true` · `openWorldHint: false` ### Arguments | Argument | Type | Required | Description | | ----------------- | ------------ | -------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `id` | ID (`pm_…`) | yes | – | | `entity_id` | ID (`ent_…`) | no | Optional: the brand's legal entity (ent\_…); `brand_id` alone is enough. | | `brand_id` | ID (`brd_…`) | no | The brand to act on (brd\_…), inside your API key's reach. Needed with an organization or entity key; a brand key acts on its own brand. | | `idempotency_key` | string | no | A unique string for this change. Retrying with the same key and arguments never acts twice. When left out, the server generates one and returns it in the result's `idempotency_key`. (1–255 characters) | | `dry_run` | boolean | no | true: check permissions and rules and compute the result, then roll everything back. Nothing is saved. (default `false`) | - **Brand:** pass `brand_id` with an organization or entity key; a brand key acts on its own brand. - **Idempotency:** the result returns the `idempotency_key` used, yours or one the server generated. Retry with it: a call with the same key and arguments never acts twice (keys are kept for 24 hours). - **Dry run:** supported. `dry_run: true` checks permissions and rules and computes the result, then rolls everything back. ### Errors - [`resource_not_found`](https://ownrecord.io/docs/reference/errors.md#resource_not_found): No payment method with this ID is visible to the request. - [`version_conflict`](https://ownrecord.io/docs/reference/errors.md#version_conflict): The customer's methods changed at the same time; retry. - [`permission_denied`](https://ownrecord.io/docs/reference/errors.md#permission_denied): You can't change this brand's customers (`customers:write`). - [`payment_method_detached`](https://ownrecord.io/docs/reference/errors.md#payment_method_detached): The payment method was detached. ### Example **Use the new card** Arguments: ```json { "id": "pm_01m4tx5nj8emwbyf7y9vcf47ze", "brand_id": "brd_01jbx4m3v8e9t0s6k2c5n7q1wz", "idempotency_key": "8d0c5f8e-4b7a-4e43-9b0f-2f6a0c1d9e21" } ``` Result `output`: ```json { "id": "pm_01m4tx5nj8emwbyf7y9vcf47ze", "object": "payment_method", "livemode": false, "brandId": "brd_01m4tx5nj8emwbyf7y9vcf47x4", "customerId": "cus_01m4tx5nj8emwbyf7y9vcf47z4", "processor": "stripe", "processorConnectionId": "pcon_01m4tx5nj8emwbyf7y9vcf47zf", "processorRef": { "paymentMethodId": "pm_1QExampleCard" }, "type": "card", "card": { "brand": "visa", "last4": "4242", "expMonth": 12, "expYear": 2029, "country": "DE" }, "isDefault": true, "source": "checkout", "createdAt": "2026-10-13T12:00:00.000Z", "detachedAt": null } ```