> ## 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 Method Setup

> Process for setting up and managing payment methods within the Creditor Portal.

## 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.