Purpose
Payment Method Setup captures the creditor’s membership billing payment method used for plan charges, renewals, and retryable billing failures.
How It Should Work
- It should collect valid payment details through the approved payment/tokenization flow.
- It should store only tokenized payment references, not raw card or bank data.
- It should show whether the creditor has an active membership payment method.
- It should support updating the payment method when billing recovery is needed.
How It Should Not Work
- It should not store raw payment credentials in the application database.
- It should not retry billing without a valid payment method.
- It should not attach a payment method to the wrong creditor.
- It should not expose payment details to unauthorized users.
Developer Notes
- Membership billing and failed payment retry logic depend on this setup.
- Keep payment provider tokens scoped to the owning creditor company.
Last modified on June 1, 2026
