How to manage payment methods

This guide shows how to let customers add a card on file, view their saved payment methods, and remove them. Payment methods are used for overage billing and credit pack purchases without requiring a new checkout.

List payment methods

Retrieve all saved payment methods for a customer:

const wallet = await owo.wallet.list("user_123");

for (const method of wallet.methods) {
  console.log(method.cardBrand, `**** ${method.cardLast4}`, method.providerId);
}

Or use the shorthand:

const wallet = await owo.wallet("user_123");
console.log("Has card:", wallet.hasCard);

Add a payment method

Initiate card setup. The customer completes authorization on the provider's page.

const setup = await owo.wallet.setup("user_123", {
  callbackUrl: "https://yourapp.com/billing?card=added",
});

if (setup.url) {
  // Redirect customer to authorize their card
  console.log(setup.url);
}

After the customer completes the flow, the provider sends a webhook and Owostack stores the payment method automatically.

Specify a provider

If your organization has multiple providers, specify which one:

const setup = await owo.wallet.setup("user_123", {
  callbackUrl: "https://yourapp.com/billing",
  provider: "paystack",
});

Remove a payment method

const result = await owo.wallet.remove("user_123", methodId);
console.log(result.success); // true

Why payment methods matter

When a customer has a card on file:

• Overage billing charges are applied automatically at period end
• Credit pack purchases via addon() charge instantly without a checkout redirect
• Trial conversions bill the card when the trial ends

Without a card on file, these flows fall back to checkout redirects.