> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Commerce

> Build card linking, checkout, fraud prevention, and wallet experiences with Method's card connectivity and tokenization infrastructure.

## What This Section Covers

API workflows for connecting to a user's credit cards — card discovery, brand enrichment, transaction streaming, and tokenization for checkout and card-on-file experiences.

### Example Use Cases

* **Payment processors** that tokenize linked cards for checkout and recurring billing
* **E-commerce platforms** that enable card-on-file and one-click pay with existing credit cards
* **Loyalty and rewards apps** that link cards for offer activation and transaction-based rewards
* **BNPL providers** that connect existing cards for repayment or split-pay flows
* **Expense management tools** that stream transactions and categorize spend across employee cards

## How Method Enables End-to-End Commerce

Every commerce integration follows the same high-level journey: connect the user's credit cards, enrich them with brand and transaction data, and enable action through tokenization or checkout.

| Stage        | What Happens                                                            | Method Products                                                                                                                           |
| ------------ | ----------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------- |
| **Connect**  | Discover the user's credit cards via soft-pull credit report            | [Entity](/guides/entities/overview), [Identity Verification](/guides/identity-verification/overview), [Connect](/guides/connect/overview) |
| **Link**     | Retrieve card product names, card art, issuer, and network details      | [Card Brand](/guides/additional-products/card-brand)                                                                                      |
| **Checkout** | Tokenize card credentials for checkout, card-on-file, or network tokens | [Payment Instruments](/reference/accounts/payment-instruments/overview), [Sensitive](/guides/additional-products/sensitive)               |
| **Track**    | Stream real-time transactions and subscribe to card product changes     | [Subscriptions](/reference/accounts/subscriptions/overview)                                                                               |

## Two Integration Paths

<Tabs>
  <Tab title="API-Only">
    Integrate directly with Method's APIs for entity creation, identity verification, Connect, and all downstream card operations. You build the user-facing flow and have full control over the UX.

    PCI compliance is not required: by default, tokenization returns network tokens that don't expose raw card credentials.
  </Tab>

  <Tab title="Embedded UI (Opal)">
    Use [Opal Card Connect](/opal/card_connect/overview) as a drop-in UI for identity verification and card discovery. Opal handles the user-facing flow while you use the API for card brand enrichment, payment instruments, and transactions.
  </Tab>
</Tabs>

## Get Started

<CardGroup cols={2}>
  <Card title="Getting Started" icon="rocket" href="/guides/use-cases/commerce/getting-started">
    The 3-step setup: create an entity, verify identity, and connect credit cards.
  </Card>

  <Card title="Card Linking & Checkout" icon="credit-card" href="/guides/use-cases/commerce/card-linking-checkout">
    Card brand enrichment, payment instruments, tokenization, and card-on-file flows.
  </Card>

  <Card title="Expense Tracking" icon="receipt" href="/guides/use-cases/commerce/expense-tracking">
    Transaction streaming, spend management, and manual card entry for unsupported networks.
  </Card>
</CardGroup>