Payment Methods

You control which payment methods your customers can use at checkout — across every surface: the embeddable checkout, payment links, invoices and product pages. Turn Bank transfer (ACH) and wallets (Apple Pay / Google Pay) on or off for your account, from the dashboard or over the API.

Cards are always on — they are the baseline payment method for every account and can't be turned off.

1. The methods

Wallets ride on the card rail — they only appear when cards are available and the customer's device/browser supports them. Disabling a wallet hides its express-checkout button; it never affects ordinary card entry.

2. How a method's visibility is decided

A method is shown to your customer only when all three are true:

shown(method) = eligible        // your account can use it (capability + currency)
            AND enabled-by-you  // you turned it on (cards are always on)
            AND not-blocked     // Vezmo hasn't disabled it for your account

New accounts start with every eligible method on. If a method shows Not available yet in your settings, your account isn't verified for it yet — finish verification to unlock it. If Vezmo has blocked a method for risk reasons it appears as Managed by Vezmo and can't be enabled until that's lifted.

3. Control it from the dashboard

Go to VezmoPay → Settings → Payment Methods and toggle each method. Changes apply immediately to every checkout.

4. Control it from the API

Two endpoints, authenticated with a Bearer access token from POST /merchant/api-auth/login. They require the account.read / account.update permissions on your API key (enable these under VezmoPay → Developers).

Get your active methods

GET /v1/merchant/account/payment-methods
Authorization: Bearer <access_token>

Response:

{
  "success": true,
  "message": "Payment methods retrieved",
  "data": {
    "methods": {
      "card":      { "enabled": true,  "eligible": true, "blockedByAdmin": false, "toggleable": false },
      "ach":       { "enabled": true,  "eligible": true, "blockedByAdmin": false, "toggleable": true },
      "applePay":  { "enabled": true,  "eligible": true, "blockedByAdmin": false, "toggleable": true },
      "googlePay": { "enabled": false, "eligible": true, "blockedByAdmin": false, "toggleable": true }
    },
    "card": true, "ach": true, "applePay": true, "googlePay": false
  }
}

• enabled — shown at checkout right now.
• eligible — your account is allowed to use it (capability active).
• blockedByAdmin — Vezmo has disabled it for your account.
• toggleable — you may change it (eligible, not a card, not blocked).

Enable or disable methods

Send any of ach, applePay, googlePay as booleans. Card is always on and is ignored if sent. The response echoes the resulting state.

PUT /v1/merchant/account/payment-methods
Authorization: Bearer <access_token>
Content-Type: application/json

{ "ach": true, "googlePay": false }

5. What the checkout returns

Every checkout/session response includes an enabledMethods object so your own UI can mirror what's offered:

"enabledMethods": { "card": true, "ach": true, "applePay": true, "googlePay": false }

You don't need to act on it — Vezmo renders the correct methods for you — but it's there if you build a custom summary.

6. Good to know

• ACH is USD-only. Even when enabled, the bank option only shows on USD checkouts.
• Disabling is instant and everywhere. Turning a method off hides it on the embed, payment links, invoices and product pages at once, and the payment intent won't accept it either.
• Authentication is unaffected. Method controls only change which options appear — they never bypass 3D Secure / SCA where it's required.