> ## 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.

# Payment Methods

> A list of all payment methods available for the creditor.

## Purpose

Payment Methods shows the creditor's saved membership billing payment method and supports updates when billing information changes.

## How It Should Work

* It should show whether a valid membership billing payment method exists.
* It should allow authorized users to add or replace the billing payment method.
* It should use tokenized provider references instead of raw payment credentials.
* It should support billing recovery when a failed charge requires a new method.

## How It Should Not Work

* It should not reveal full card, bank, or token secrets.
* It should not let unauthorized users change billing payment methods.
* It should not attach payment methods to the wrong creditor.
* It should not leave failed billing marked unresolved after a successful retry.

## Developer Notes

* This page supports membership renewal, over-limit billing, invoices, and payment retry processing.
* Payment method changes should be auditable.