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

# Payment Methods

> Accept cards and bank transfers with enterprise-grade security

## Supported Payment Types

Accept payments your way. Cheqpay supports credit cards, debit cards, SPEI transfers, PayCash cash payments, and CIE Cash Net deposits — all with enterprise-grade security and PCI compliance built in.

### Credit & Debit Cards

Accept all major card brands:

<CardGroup cols={3}>
  <Card title="Visa" icon="cc-visa">
    Credit and debit cards
  </Card>

  <Card title="Mastercard" icon="cc-mastercard">
    Credit and debit cards
  </Card>

  <Card title="American Express" icon="cc-amex">
    Credit cards
  </Card>
</CardGroup>

## Save Payment Methods

Enable faster payments for returning customers by securely storing their payment methods.

### Perfect For

<CardGroup cols={2}>
  <Card title="Subscription Services" icon="repeat">
    Charge customers automatically each billing cycle
  </Card>

  <Card title="Faster Payments" icon="mouse-pointer">
    Let customers pay without re-entering card details
  </Card>

  <Card title="Recurring Billing" icon="calendar">
    Process scheduled or recurring payments
  </Card>

  <Card title="Member Accounts" icon="user-check">
    Store cards for logged-in users
  </Card>
</CardGroup>

### How to Save a Card

Simply set `persist: true` when processing a payment:

```json theme={null}
{
  "paymentMethod": {
    "type": "card",
    "options": {
      "card": {
        "number": "4000000000002503",
        "expiryMonth": "12",
        "expiryYear": "2025",
        "cvc": "123"
      }
    },
    "persist": true
  }
}
```

The card is instantly tokenized and securely stored. Your customers can use it for future purchases without re-entering their card details.

<Tip>
  The payment method is automatically linked to the customer. You'll receive a `paymentMethodId` in the response.
</Tip>

### Offline methods

<CardGroup cols={3}>
  <Card title="SPEI" icon="building-columns" href="/features/spei-transfers">
    Bank transfer — unique CLABE per order
  </Card>

  <Card title="PayCash" icon="money-bill" href="/features/paycash-payments">
    Cash at collection points — unique reference per order
  </Card>

  <Card title="CIE Cash Net" icon="building-columns" href="/features/cie-cash-net-payments">
    BBVA cash and bank deposits — unique reference per order along with convenio, and CLABE
  </Card>
</CardGroup>

## Enterprise Security

### PCI DSS Compliant

We're certified to the highest security standards. Your customers' payment data is always protected.

<CardGroup cols={2}>
  <Card title="Level 1 PCI DSS" icon="shield-check">
    Highest level of payment security certification
  </Card>

  <Card title="Out of Scope" icon="shield-halved">
    Keep your servers out of PCI scope
  </Card>
</CardGroup>

### Automatic Tokenization

Card numbers are converted to secure tokens immediately. Sensitive data never touches your servers - keeping you out of PCI scope.

```json theme={null}
{
  "paymentMethodId": "pm_abc123",
  "card": {
    "brand": "visa",
    "last4": "1111",
    "expiryMonth": "12",
    "expiryYear": "2025"
  }
}
```

You only see the last 4 digits and basic card information. The full card number is securely vaulted by Cheqpay.

### Network Tokens

We automatically provision network tokens through Visa Token Service and Mastercard Digital Enablement:

<AccordionGroup>
  <Accordion title="Higher Approval Rates" icon="arrow-trend-up">
    Up to 6% higher approval rates compared to standard card processing.
  </Accordion>

  <Accordion title="Enhanced Fraud Protection" icon="shield-virus">
    Additional security layer reduces fraudulent transactions.
  </Accordion>

  <Accordion title="Automatic Card Updates" icon="arrows-rotate">
    When cards expire or are replaced, we automatically update them. No failed payments due to expired cards.
  </Accordion>
</AccordionGroup>

### Always Up to Date

When a customer gets a new card, we automatically update it. No failed payments due to expired cards.

<Note>
  Network token updates happen automatically in the background. You don't need to do anything.
</Note>

## Charge Saved Payment Methods

Use saved cards for future payments with just the payment method ID:

```json theme={null}
{
  "externalId": "order-456",
  "amount": 5000,
  "currency": "MXN",
  "paymentMethod": {
    "type": "payment_method_id",
    "paymentMethodId": "pm_abc123",
    "cvc": "123"
  }
}
```

### CVC Requirement

<Warning>
  For security, some card networks require the CVC even for saved cards. Always collect and include the CVC for the best approval rates.
</Warning>

All sensitive card data stays with Cheqpay - you only store the payment method ID.

## Payment Method Types

| Type                | Description              | Use Case                                          |
| ------------------- | ------------------------ | ------------------------------------------------- |
| `card`              | New card payment         | First-time payment with new card                  |
| `payment_method_id` | Saved payment method     | Charging a stored card                            |
| `spei`              | Bank transfer payment    | Customer pays from online banking app             |
| `paycash`           | Offline cash payment     | Customer pays with reference at collection point  |
| `cie_cash_net`      | BBVA cash / bank deposit | Customer pays with reference, convenio, and CLABE |

## Best Practices

<AccordionGroup>
  <Accordion title="Ask Before Saving" icon="question">
    Always ask customers for permission before saving their payment method. Include a checkbox like "Save card for future purchases."
  </Accordion>

  <Accordion title="Show Saved Cards" icon="eye">
    Display saved payment methods to customers during payment. Show the card brand, last 4 digits, and expiry date.
  </Accordion>

  <Accordion title="Allow Card Removal" icon="trash">
    Give customers the ability to remove saved payment methods from their account.
  </Accordion>

  <Accordion title="Update Failed Cards" icon="triangle-exclamation">
    When a payment fails with a saved card, prompt the customer to update their card information.
  </Accordion>
</AccordionGroup>

## Next Steps

<CardGroup cols={2}>
  <Card title="Process Card Payments" icon="credit-card" href="/features/card-payments">
    Learn how to accept card payments
  </Card>

  <Card title="SPEI Transfers" icon="building-columns" href="/features/spei-transfers">
    Accept instant bank-to-bank transfers
  </Card>

  <Card title="PayCash Payments" icon="money-bill" href="/features/paycash-payments">
    Accept immediate offline cash payments
  </Card>

  <Card title="CIE Cash Net" icon="building-columns" href="/features/cie-cash-net-payments">
    Accept BBVA cash and bank deposits
  </Card>

  <Card title="Handle 3D Secure" icon="shield" href="/features/3d-secure">
    Implement card authentication
  </Card>

  <Card title="Manage Customers" icon="users" href="/features/customers">
    Learn about customer management
  </Card>

  <Card title="Process Refunds" icon="rotate-left" href="/features/refunds">
    Issue full or partial refunds
  </Card>
</CardGroup>