# Manage payment methods

> Save, update, and remove customer payment methods in the VINR vault.

Saving a payment method to a customer record lets you charge them later without asking them to re-enter their details — essential for subscriptions, one-click reorders, and off-session charges. VINR vaults the payment method in its PCI-compliant secure storage; you store only the `pm_...` identifier.

## The payment method vault

When a customer's payment method is saved, VINR stores the sensitive data (card number, expiry, etc.) and returns a reusable `PaymentMethod` ID. You attach this ID to a `Customer` record to associate it with a specific person.

```
Customer (cus_...)
  └── PaymentMethod (pm_...)   ← safe to store, reuse, and pass in API calls
        └── Card data          ← held in VINR's PCI vault, never exposed in the API
```

> Never store raw card numbers. `pm_...` IDs are safe to store — they reference tokenized data held entirely in VINR's PCI-compliant vault.

## Reusable vs single-use methods

Not all payment methods can be saved for reuse:

| Method            | Reusable | Notes                                                                           |
| ----------------- | -------- | ------------------------------------------------------------------------------- |
| Cards             | Yes      | Can be charged unlimited times after saving                                     |
| SEPA Direct Debit | Yes      | Requires mandate acceptance at setup                                            |
| iDEAL, Bancontact | No       | Single-use redirect; VINR generates a reusable SEPA mandate after the first use |
| Bank transfers    | No       | Each transfer is a separate instruction                                         |
| Meal vouchers     | No       | Physical voucher cards are not stored                                           |

## In this section

[Save a payment method](/docs/payments/payment-methods/manage-payment-methods/save) — Save during a payment or without charging using a Setup flow.

[Update & replace](/docs/payments/payment-methods/manage-payment-methods/update) — What can be updated on a saved method and when to re-collect.

[Automatic card updates](/docs/payments/payment-methods/manage-payment-methods/automatic-card-updates) — How VINR refreshes saved card details when a bank re-issues a card.

[Faster checkout](/docs/payments/payment-methods/manage-payment-methods/faster-checkout) — One-tap checkout for returning customers with saved payment methods.