> For the complete documentation index, see [llms.txt](https://pivot-payment.gitbook.io/pivot-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://pivot-payment.gitbook.io/pivot-docs/api-references/api-lists/payments/object/payment-method-object.md).

# Payment Method Object

```json
{
  "type": "CARD",
  "card": {
    "encryptedCard": "01975dc4-2a18-7a6f-9319-74658398b2b1", // Applicable for Card Encryption Flow
    "networkTokenNumber": "4446878164352273", // Applicable for Network Token Authorization
    "networkTokenCryptogram": "AAABBJg0VhI0VniQEjRWAAAAAAA=", // Applicable for Network Token Authorization
    "networkTokenRequestorId": "12345678901", // Applicable for Network Token Authorization
    "token": "tok_4eC39HqLyjWDarjtT1zdp7dc",
    "number": "9999666600001111",
    "expMonth": 1,
    "expYear": 39,
    "cvc": "999",
    "cardHolderFirstName": "Reforza Jordan",
    "cardHolderLastName": "Geotama",
    "cardHolderEmail": "reforza@pivot-payment.com",
    "cardHolderPhone": "081299996666"
  },
  "virtualAccount": {
    "channel": "PERMATA",
    "virtualAccountNumber": "7699013199996662",
    "virtualAccountName": "Reforza Pivot",
    "expiryAt": "0001-01-01T00:00:00Z"
  },
  "ewallet": {
    "accountIdentifier": "081299996666"
  }
}
```

**Detail Payment Method Object**

<table><thead><tr><th width="225.23828125">Parameter</th><th width="116.24609375">Data Type</th><th width="128.0458984375">Character Limit</th><th width="123.82421875">Requirement</th><th width="243.9423828125">Description</th></tr></thead><tbody><tr><td>type</td><td>String</td><td>-</td><td>M</td><td><p>Available payment method types that can be selected by, possible values are </p><ul><li>VIRTUAL_ACCOUNT</li><li>QR</li><li>CARD</li><li>EWALLET</li></ul></td></tr><tr><td>card</td><td>Object</td><td>-</td><td>C</td><td><p>Card data</p><p></p><p>PLEASE NOTE for </p><ul><li>PCI-DSS &#x26; SAQ-D merchants can send full card number</li><li>SAQ AEP merchants need to send tokenized card</li></ul></td></tr><tr><td><ul><li>encryptedCard</li></ul></td><td>String</td><td>0-500</td><td>C</td><td><p>Applicable for Card Encryption Flow where:</p><ul><li><mark style="color:orange;"><code>mode</code></mark> = API</li><li><mark style="color:orange;"><code>autoConfirm</code></mark> = false</li></ul><p></p><p>Token Unique ID generated from Merchant</p></td></tr><tr><td><ul><li>networkTokenNumber</li></ul></td><td>String</td><td>-</td><td>C</td><td><p>Applicable for Network Token Authorization</p><p></p><p>DPAN - replaces number when present</p></td></tr><tr><td><ul><li>networkTokenCryptogram</li></ul></td><td>String</td><td>-</td><td>C</td><td><p>Applicable for Network Token Authorization</p><p></p><p>TAVV cryptogram — replaces <mark style="color:orange;"><code>cvc</code></mark> ; required for CIT, omitted for MIT</p></td></tr><tr><td><ul><li>networkTokenRequestorId</li></ul></td><td>String</td><td>-</td><td>O</td><td><p>Applicable for Network Token Authorization</p><p></p><p>Passed through to processor when provided; not required by Visa or Mastercard</p></td></tr><tr><td><ul><li>token</li></ul></td><td>String</td><td>-</td><td>C</td><td>Card tokenization flow</td></tr><tr><td><ul><li>number</li></ul></td><td>String</td><td>-</td><td>C</td><td><p>Required if token not sent</p><p>Card PAN</p></td></tr><tr><td><ul><li>expMonth</li></ul></td><td>Number</td><td>-</td><td>C</td><td><p>Required if token not sent</p><p>Card Expiration Month</p></td></tr><tr><td><ul><li>expYear</li></ul></td><td>Number</td><td>-</td><td>C</td><td><p>Required if token not sent</p><p>Card Expiration Year</p></td></tr><tr><td><ul><li>cvc</li></ul></td><td>String </td><td>0-3</td><td>C</td><td>Card CVV Code</td></tr><tr><td><ul><li>cardHolderFirstName</li></ul></td><td>String</td><td>-</td><td>M</td><td>Cardholder First Name</td></tr><tr><td><ul><li>cardHolderLastName</li></ul></td><td>String</td><td>-</td><td>M</td><td>Cardholder Last Name</td></tr><tr><td><ul><li>cardHolderEmail</li></ul></td><td>String</td><td>-</td><td>M</td><td>Cardholder registered email address</td></tr><tr><td><ul><li>cardHolderPhone</li></ul></td><td>String</td><td>-</td><td>M</td><td>Cardholder registered phone number</td></tr><tr><td>virtualAccount</td><td>Object</td><td>-</td><td>C</td><td>Virtual Account data only for API integration if user already selected the <mark style="color:orange;"><code>VIRTUAL_ACCOUNT</code></mark> channel</td></tr><tr><td><ul><li>channel</li></ul></td><td>String</td><td>1-100</td><td>M</td><td>Selected Virtual Account Bank Name</td></tr><tr><td><ul><li>virtualAccountNumber</li></ul></td><td>String</td><td>0-100</td><td>M</td><td>The corresponding virtual account number that can be used by Customers to send payments to</td></tr><tr><td><ul><li>virtualAccountName</li></ul></td><td>String</td><td>0-100</td><td>M</td><td>Virtual Account Name display to Customers</td></tr><tr><td><ul><li>expiryAt</li></ul></td><td>String</td><td>-</td><td>M</td><td><p>VA expiration time</p><p>format YYYY-MM-DDTHH:MM:SSZ</p></td></tr><tr><td>ewallet</td><td>Object</td><td>-</td><td>C</td><td>Ewallet data only for API integration if user already selected the <mark style="color:orange;"><code>EWALLET</code></mark> channel</td></tr><tr><td><ul><li>accountIdentifier</li></ul></td><td>String</td><td>-</td><td>M</td><td>Registered mobile number to the E Wallet account</td></tr></tbody></table>