> ## Documentation Index > Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt > Use this file to discover all available pages before exploring further. # Store wallet payment profile > Store one reusable card or ACH profile in the consumer Bill Pay Wallet. Send a Basis Theory token intent response/id only; never send raw PAN, CVC, bank account, or routing details outside the token payload. The wallet allows only one saved card profile and one saved ACH profile per authenticated consumer profile. ## OpenAPI ````yaml /api/consumer.openapi.yaml post /bill-pay-wallet/payment-profiles openapi: 3.1.0 info: title: YouNegotiate Consumer API version: '2.0' description: >- Stateless API endpoints for consumer portal authentication and account access. servers: - url: https://api.consumer.younegotiate.com description: Production security: [] tags: - name: System description: Public consumer domain system and health endpoints. - name: Authentication description: >- Consumer identity matching, contact capture, OTP verification, token creation, and logout endpoints. - name: Profile - My ecoAddress description: Consumer profile tab for signed-in identity / ecoAddress context. - name: Profile - Communication Controls description: >- Consumer profile tab for communication permissions, email/mobile changes, and email/mobile verification. - name: Profile - My Billing Details description: >- Consumer profile tab for billing name and billing address details used for payment verification. - name: Profile - Personalize My Portal description: Consumer profile tab for portal colors and profile image personalization. - name: Accounts description: Consumer-owned account list and account detail endpoints. - name: Bill Pay Wallet description: >- Consumer Bill Pay Wallet saved payment profiles and scheduled payment method update endpoints. - name: Upcoming Payments description: >- Consumer My Bill Pay Calendar upcoming-payment rows and calendar display data. - name: Calendar Sync description: >- Consumer Google and Microsoft calendar connection, OAuth callback, and live-update endpoints. - name: Gift Registry description: >- Consumer Bill Pay Gift Registry account list, shared registry, and Helping Hand link endpoints. - name: EcoMailbox description: Consumer MyEcoMailBox list endpoints and unread sidebar badge state. - name: Notice Responses description: >- Consumer My Account notice-response wizard endpoints for sender details and account details. paths: /bill-pay-wallet/payment-profiles: post: tags: - Bill Pay Wallet summary: Store wallet payment profile description: >- Store one reusable card or ACH profile in the consumer Bill Pay Wallet. Send a Basis Theory token intent response/id only; never send raw PAN, CVC, bank account, or routing details outside the token payload. The wallet allows only one saved card profile and one saved ACH profile per authenticated consumer profile. operationId: consumerStoreBillPayWalletPaymentProfile requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/StoreBillPayWalletPaymentProfileRequest' responses: '201': description: Wallet payment profile stored. content: application/json: schema: $ref: >- #/components/schemas/ConsumerBillPayWalletPaymentProfileMutationResponse '401': $ref: '#/components/responses/Unauthenticated' '409': $ref: '#/components/responses/ProfileIncomplete' '422': $ref: '#/components/responses/ValidationError' security: - bearerAuth: [] components: schemas: StoreBillPayWalletPaymentProfileRequest: type: object required: - first_name - last_name - address - city - state - zip - method - basis_theory_response properties: first_name: type: string maxLength: 255 example: Jane last_name: type: string maxLength: 255 example: Consumer address: type: string maxLength: 255 example: 123 Main St city: type: string maxLength: 255 example: Austin state: type: string example: TX zip: type: string pattern: ^\d{5}(-\d{4})?$ example: '73301' method: $ref: '#/components/schemas/ConsumerPaymentMethod' account_type: type: - string - 'null' enum: - checking - savings - null description: Required when `method` is `ach`. basis_theory_response: $ref: '#/components/schemas/BasisTheoryTokenIntentResponse' ConsumerBillPayWalletPaymentProfileMutationResponse: type: object required: - message - data properties: message: type: string examples: - Payment profile stored. - Payment profile updated. data: type: object required: - payment_profile - saveable_payment_methods properties: payment_profile: $ref: '#/components/schemas/ConsumerPaymentProfile' saveable_payment_methods: $ref: '#/components/schemas/ConsumerBillPayWalletSaveablePaymentMethods' ConsumerPaymentMethod: type: - string - 'null' enum: - cc - ach - null BasisTheoryTokenIntentResponse: type: object required: - id description: >- Basis Theory token intent payload generated by the frontend tokenization flow. The backend verifies this id and converts it to a token when the profile must be reusable. properties: id: type: string example: token_intent_card type: type: - string - 'null' example: card additionalProperties: true ConsumerPaymentProfile: type: object properties: id: type: integer method: $ref: '#/components/schemas/ConsumerPaymentMethod' method_label: type: - string - 'null' example: Card label: type: string example: Card ending in 4242 last_four_digit: type: - string - 'null' account_number_last_four: type: - string - 'null' expiration_month: type: - string - 'null' expiration_year: type: - string - 'null' first_name: type: - string - 'null' last_name: type: - string - 'null' address: type: - string - 'null' city: type: - string - 'null' state: type: - string - 'null' zip: type: - string - 'null' is_saved_for_future_use: type: boolean ConsumerBillPayWalletSaveablePaymentMethods: type: object required: - cc - ach properties: cc: type: boolean description: True when the profile does not already have a saved card. ach: type: boolean description: True when the profile does not already have a saved ACH method. MessageResponse: type: object required: - message properties: message: type: string ProfileIncompleteResponse: type: object required: - code - message - required_steps properties: code: type: string example: profile_incomplete message: type: string example: Please complete your communication profile before viewing accounts. required_steps: type: array items: type: string example: - profile_communication ValidationErrorResponse: type: object required: - message - errors properties: message: type: string errors: type: object additionalProperties: type: array items: type: string responses: Unauthenticated: description: Missing or invalid bearer token. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' ProfileIncomplete: description: >- The authenticated consumer profile must complete communication setup before My Account can be shown. content: application/json: schema: $ref: '#/components/schemas/ProfileIncompleteResponse' ValidationError: description: Request validation failed. content: application/json: schema: $ref: '#/components/schemas/ValidationErrorResponse' securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: Sanctum token ````