Payment Instruments — Reusable Payment Configurations
For products that involve recurring or repeated payments (e.g., a monthly debt paydown plan), Payment Instruments provide a convenience layer. Instead of collecting and submitting payment details for every transaction, you create a Payment Instrument once, capturing the card credentials, ACH details, or network token, and reference it for subsequent payments. Think of a Payment Instrument as a saved payment method. The user sets it up once, and your product can initiate payments against it repeatedly without re-collecting credentials. Instruments remain valid until explicitly closed or the underlying account changes. Method supports three types of Payment Instruments:| Type | Description |
|---|---|
| Card | Card credentials for payment |
| Inbound ACH/Wire | Routing and account details for ACH or wire payments to a liability |
| Network Token | Tokenized card credentials for secure, network-level transactions |
Not all accounts support all instrument types, check the account’s available products before attempting to create an instrument. And listen for webhook events about instrument status changes, as instruments may become invalid if the underlying account is closed or credentials expire.