> ## Documentation Index
> Fetch the complete documentation index at: https://docs.solvapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Get the default payment method for a customer

> Returns the customer's default card for the authenticated provider. Sourced from stored payment-method records (no Stripe round-trip). Returns `{ kind: 'none' }` when no card is on file.



## OpenAPI

````yaml /api-reference/openapi.json get /v1/sdk/payment-method
openapi: 3.0.0
info:
  contact: {}
  description: The SolvaPay REST API specification
  title: SolvaPay REST API
  version: '1.0'
servers: []
security: []
tags: []
paths:
  /v1/sdk/payment-method:
    get:
      tags:
        - Payment Methods
      summary: Get the default payment method for a customer
      description: >-
        Returns the customer's default card for the authenticated provider.
        Sourced from stored payment-method records (no Stripe round-trip).
        Returns `{ kind: 'none' }` when no card is on file.
      operationId: PaymentMethodSdkController_getPaymentMethod
      parameters:
        - description: Customer reference (e.g. `customer_...`).
          in: query
          name: customerRef
          required: true
          schema:
            type: string
      responses:
        '200':
          content:
            application/json:
              schema:
                discriminator:
                  propertyName: kind
                oneOf:
                  - properties:
                      brand:
                        example: visa
                        type: string
                      expMonth:
                        example: 12
                        maximum: 12
                        minimum: 1
                        type: integer
                      expYear:
                        example: 2030
                        type: integer
                      kind:
                        enum:
                          - card
                        type: string
                      last4:
                        example: '4242'
                        type: string
                    required:
                      - kind
                      - brand
                      - last4
                      - expMonth
                      - expYear
                    type: object
                  - properties:
                      kind:
                        enum:
                          - none
                        type: string
                    required:
                      - kind
                    type: object
          description: >-
            The customer's default card, or `{ kind: 'none' }` when no card is
            on file.
      security:
        - SecretKey: []
components:
  securitySchemes:
    SecretKey:
      bearerFormat: JWT
      description: >-
        Provider secret API key (sk_live_… / sk_test_…) supplied as a Bearer
        token.
      scheme: bearer
      type: http

````