---
updatedAt: 2026-03-09T11:02:16.000Z
agentTools:
  projectIndex: https://docs.sumsub.com/llms.txt
---

# Payment Method object

Payment Method is a standalone object in our system and user interface that stores information about an applicant’s payment methods.

Each payment method is linked to a specific applicant profile. It can be added to support further [verification](https://docs.sumsub.com/sumsub/docs/payment-method-check-advanced), ownership confirmation, and financial-related investigations.

You can add a new payment method using the [Add payment method](https://docs.sumsub.com/sumsub/docs/add-payment-method) endpoint.

> 📘 Note
>
> Additionally, the payment method is created either by [submitting a transaction for risk scoring](https://docs.sumsub.com/sumsub/docs/submit-transaction-for-existing-applicant) or is generated automatically through [applicant actions](https://docs.sumsub.com/sumsub/docs/create-applicant-action).

# Supported payment methods

The Payment Method object supports these types of payment methods:

* **Crypto-wallets**.  Digital wallets that allow applicants to store and use cryptocurrencies such as Ethereum or Bitcoin.
* **Bank cards**.  Traditional card-based payment instruments including credit, debit, and prepaid cards.
* **Bank accounts**. Accounts held with financial institutions, identified using IBAN, SWIFT, SOFORT, iDEAL, or other regional payment systems.
* **E-wallets**. Digital wallets that hold applicants' financial data for performing transactions without physical cards.
* **Other**. Alternative payment methods that are not covered above.

# Payment Method properties

Here are the properties of the Payment Method object.

| Field             | Type                                  | Description                                                                                                                          |
| :---------------- | :------------------------------------ | :----------------------------------------------------------------------------------------------------------------------------------- |
| `id`              | String                                | Identifier of the payment method in the Sumsub system.                                                                               |
| `externalId`      | String                                | Identifier of the payment method on your side.                                                                                       |
| `createdAt`       | Date                                  | Date and time when the payment method was submitted to the Sumsub system. Format `YYYY-MM-DD HH-MM-SS`, e.g., `2025-07-17 10:37:54`. |
| `review`          | [Object](#review-attributes)          | Includes the status and other details of the payment method.                                                                         |
| `data`            | [Object](#data-attributes)            | Payment method data.                                                                                                                 |
| `institutionInfo` | [Object](#institutionInfo-attributes) | Includes details about the financial institution used by a participant to execute the transaction.                                   |

## `review` attributes

| Field          | Type   | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| :------------- | :----- | :----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `reviewStatus` | String | Indicates the payment method review status. Possible statuses:<ul><li><code>init</code> — initiated.</li><li><code>pending</code> — pending to be processed.</li><li><code>queued</code> — in progress.</li><li><code>awaitingUser</code> — user action is required.</li><li><code>onHold</code> — assistance from a compliance expert is required.</li><li><code>prechecked</code> — initial quick check is done.</li><li><code>completed</code> — the check is completed, and the review answer is given whether the payment method is approved or rejected.</li></ul> |
| `createDate`   | Date   | Date and time (UTC) when the check was launched.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |

## `data` attributes

<Table align={["left","left","left"]}>
  <thead>
    <tr>
      <th>
        Field
      </th>
      <th>
        Type
      </th>
      <th>
        Description
      </th>
    </tr>
  </thead>
  <tbody>
    <tr>
      <td>
        `type`
      </td>
      <td>
        String
      </td>
      <td>
        Type of the payment method. Can be one of the following: `bankCard`, `bankAccount`, `eWallet`, `cryptoWallet`, `other`.
      </td>
    </tr>
    <tr>
      <td>
        `subType`
      </td>
      <td>
        String
      </td>
      <td>
        Subtype of the payment method (could be a domain specific type or a name, e.g., PayPal).
      </td>
    </tr>
    <tr>
      <td>
        `accountIdentifier`
      </td>
      <td>
        String
      </td>
      <td>
        Plain (non-hashed) unique identifier of the account associated with this payment method.
        ⚠️ Returned if submitted in the request. Case-sensitive.
      </td>
    </tr>
    <tr>
      <td>
        `accountIdentifierHash`
      </td>
      <td>
        String
      </td>
      <td>
        Hashed version of the account identifier.
        Hash function is sha256 for `cryptoWallet` type.
      </td>
    </tr>
    <tr>
      <td>
        `fullName`
      </td>
      <td>
        String
      </td>
      <td>
        Full name of the account holder. Applicable to the `bankAccount` type.
      </td>
    </tr>
    <tr>
      <td>
        `validUntill`
      </td>
      <td>
        Date
      </td>
      <td>
        Date field for the `bankCard` type indicating the date when the bank card is expired (format `yyyy-MM-dd`).
      </td>
    </tr>
    <tr>
      <td>
        `currencyCode`
      </td>
      <td>
        String
      </td>
      <td>
        Code of the currency the wallet holds (`USD`, `GBP`, `BTC`, etc.). Applicable to the `cryptoWallet` type.
      </td>
    </tr>
    <tr>
      <td>
        `cryptoChain`
      </td>
      <td>
        String
      </td>
      <td>
        Crypto chain name. Specifies the network name to which the token at `currencyCode` belongs. Empty for native tokens (for `BTC`, `ETH`, and so on). For more information, see [Working with Crypto Assets](https://docs.sumsub.com/sumsub/reference/working-with-crypto-assets). Applicable to the `cryptoWallet` type.
      </td>
    </tr>
    <tr>
      <td>
        `memo`
      </td>
      <td>
        String
      </td>
      <td>
        Optional field for the `cryptoWallet` type in blockchain transactions to attach metadata or messages for identification, routing, or compliance purposes.
      </td>
    </tr>
  </tbody>
</Table>

## `institutionInfo` attributes

| Field     | Type                                             | Description                                                                                                                          |
| :-------- | :----------------------------------------------- | :----------------------------------------------------------------------------------------------------------------------------------- |
| `code`    | String                                           | Institution code (e.g. BIC).                                                                                                         |
| `name`    | String                                           | Institution name (e.g., Wells Fargo).                                                                                                |
| `address` | [Object](https://docs.sumsub.com/sumsub/reference/get-transaction#address-attributes) | Institution address.                                                                                                                 |
| `issuer`  | [Object](#issuer-attributes)                     | Describes who issued the payment method within the scope of the current license key. It can be either you or one of your applicants. |

## `issuer` attributes

| Field         | Type   | Description                                                                                                                                                                                                              |
| :------------ | :----- | :----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `type`        | String | <p>Specifies the issuer of the payment method:</p><ul><li><code>license</code> — you as a license key owner.</li><li><code>applicant</code> — the applicant (individual or company) under the current license.</li></ul> |
| `applicantId` | String | Identifier of the applicant (in the Sumsub system) who issued the payment method. Applicable when `issuer.type` is set to `applicant`. Can refer to either a KYB (company) or KYC (individual) applicant.                |

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