> ## Documentation Index > Fetch the complete documentation index at: https://docs.meld.io/llms.txt > Use this file to discover all available pages before exploring further. # Create a Meld payment token > Use this endpoint to create long-lasting Meld payment tokens that can be used across service providers. These tokens can replace the payment method provided for future transactions. [For more details see this page](https://docs.meld.io/docs/payment-methods-and-tokenization). ## OpenAPI ````yaml /openapi/payments-20260203.json post /payments/tokens openapi: 3.1.0 info: title: PAYMENTS termsOfService: urn:tos license: name: Apache 2.0 url: https://springdoc.org version: '2026-02-03' description: '' servers: - url: https://api-sb.meld.io description: Meld API sandbox - url: https://api.meld.io description: Meld API production security: [] tags: - name: Payment description: '' paths: /payments/tokens: post: tags: - Transactions summary: Create a Meld payment token description: >- Use this endpoint to create long-lasting Meld payment tokens that can be used across service providers. These tokens can replace the payment method provided for future transactions. [For more details see this page](https://docs.meld.io/docs/payment-methods-and-tokenization). operationId: /payment-token-post requestBody: content: application/json: schema: $ref: '#/components/schemas/PaymentTokenRequest' required: true responses: '200': description: OK content: '*/*': schema: $ref: '#/components/schemas/PaymentTokenResponse' '400': description: 'Bad Request : check request values and format' '401': description: Invalid credentials '403': description: Unauthenticated or authenticated with insufficient access '500': description: >- Server Error. This applies to all 5xx errors, including but not limited to 500, 501, 502, 503, and 504 errors. You should treat all of these errors the same. security: - ApiKeyAuth: [] components: schemas: PaymentTokenRequest: type: object properties: customer: description: Information about your customer allOf: - $ref: '#/components/schemas/CustomerInput' paymentMethod: $ref: '#/components/schemas/PaymentMethodInput' serviceProviders: type: array description: >- The service provider(s) to attempt to create tokens with. If successful, the returned Meld payment token will be compatible with each of these providers. items: type: string enum: - AUTHORIZENET - BRAINTREE - CHECKOUT - CIRCLE - NMI - STRIPE PaymentTokenResponse: type: object properties: meldPaymentMethodTokenId: type: string description: The id of the meld payment method token serviceProviders: type: array description: >- List of service providers that successfully tokenized the provided payment method. This Meld payment token can be used to create future transactions with these service providers. items: type: string enum: - ACROSS - AEROPAY - AKOYA - ALCHEMYPAY - APPLEPAY - AUTHORIZENET - BANXA - BILIRA - BINANCECONNECT - BINANCEPAY - BLOCKCHAINDOTCOM - BOOMFI - BRAINTREE - BRALE - BTCDIRECT - CASHAPP - CHECKOUT - CIRCLE - COINBASEPAY - COINFLOW - DUENETWORK - ELDORADO - FINICITY - FLASHNET - FONBNK - GUARDARIAN - HARBOUR - KOYWE - KRYPTONIM - MERCURYO - MESH - MESO - MOONPAY - MOOV - MX - NMI - NOAH - ONMETA - ONRAMPMONEY - PAYBIS - PAYPAL - PLAID - RAMP - REVOLUT - ROBINHOOD - ROUTERPROTOCOL - SALTEDGE - SALTEDGEPARTNERS - SARDINE - SHIFT4 - SHOPIFY - SIMPLEX - SKRILLCRYPTO - SQUARE - STRIPE - SUMSUB - SWAPPED - TANGOCARD - TELLER - TOPPER - TRANSAK - TREMENDOUS - TRANSFI - UNLIMIT - WYRE - XANPOOL - YELLOWCARD - YODLEE CustomerInput: type: object properties: addresses: type: array description: >- Your customer's addresses, such as BILLING, SHIPPING, RESIDENCE, etc. items: $ref: '#/components/schemas/CustomerAddressInput' billingAddress: $ref: '#/components/schemas/CustomerAddressInput' billingAddressDetails: $ref: '#/components/schemas/CustomerAddressDetails' email: type: string format: email description: Your customer's email address. externalId: type: string description: >- Your (optional) Id for this customer, for example an id or reference from your database which you may supply during customer creation id: type: string description: Meld's internal Id for the Customer name: description: Your customer's name allOf: - $ref: '#/components/schemas/CustomerName' nameEmpty: type: boolean nameJSONB: $ref: '#/components/schemas/JSONB' nameOrEmptyString: type: string nameOrNull: type: string phone: type: string description: Your customer's phone number residenceAddress: $ref: '#/components/schemas/CustomerAddressInput' residenceAddressDetails: $ref: '#/components/schemas/CustomerAddressDetails' shippingAddress: $ref: '#/components/schemas/CustomerAddressInput' shippingAddressDetails: $ref: '#/components/schemas/CustomerAddressDetails' PaymentMethodInput: type: object description: PaymentMethod objects represent your customer's payment instruments properties: details: $ref: '#/components/schemas/PaymentMethodDetails' type: type: string description: >- Payment method type used for this transaction, some methods may only apply for some providers, e.g. PLAID_TRANSFER_AUTHORIZATION for PLAID enum: - ACH - CARD - MELD_PAYMENT_TOKEN - PLAID_TRANSFER_AUTHORIZATION minLength: 1 required: - details - type CustomerAddressInput: type: object properties: addressDetails: description: Address details allOf: - $ref: '#/components/schemas/CustomerAddressDetails' type: type: string description: Address type such as BILLING, SHIPPING, RESIDENCE, etc. enum: - BILLING - SHIPPING - RESIDENCE CustomerAddressDetails: type: object properties: addressDetailsFields: type: object writeOnly: true city: type: string description: City, district, suburb, town, or village country: type: string description: Two-letter country code (ISO 3166-1 alpha-2) firstName: type: string description: The first name on the address lastName: type: string description: The last name on the address lineOne: type: string description: Address line 1 (e.g., street, PO Box, or company name) lineTwo: type: string description: Address line 2 (e.g., apartment, suite, unit, or building) postalCode: type: string description: ZIP or postal code region: type: string description: State, county, province, or region CustomerName: type: object properties: firstName: type: string description: Your customer's first name lastName: type: string description: Your customer's last name JSONB: {} PaymentMethodDetails: description: >- [Details of the payment method used for this transaction](https://docs.meld.io/docs/payment-methods-and-tokenization) discriminator: propertyName: type oneOf: - title: CardDetails allOf: - $ref: '#/components/schemas/CardDetails' - title: AchDetails allOf: - $ref: '#/components/schemas/AchDetails' - title: MeldPaymentTokenDetails allOf: - $ref: '#/components/schemas/MeldPaymentTokenDetails' CardDetails: type: object description: Credit card details properties: cvc: type: string description: Card CVC example: '123' minLength: 1 expiration: description: Expiration date allOf: - $ref: '#/components/schemas/CardExpiration' name: type: string description: The cardholder's name number: type: string description: Card number example: '4111111111111111' minLength: 1 required: - cvc - number AchDetails: type: object description: ACH details properties: accountNumber: type: string description: Account number minLength: 1 accountType: type: string description: Bank account type enum: - BUSINESS_CHECKING - CHECKING - SAVINGS name: description: Account name allOf: - $ref: '#/components/schemas/Name' routingNumber: type: string description: Routing number minLength: 1 required: - accountNumber - accountType - routingNumber MeldPaymentTokenDetails: type: object description: Meld payment token details properties: meldPaymentToken: type: string description: Meld Payment Token minLength: 1 required: - meldPaymentToken CardExpiration: type: object properties: month: type: integer format: int32 description: Integer value for the expiration month year: type: integer format: int32 description: Integer value for the expiration year Name: type: object properties: firstName: type: string minLength: 1 lastName: type: string minLength: 1 required: - firstName - lastName securitySchemes: ApiKeyAuth: type: apiKey in: header name: Authorization x-default: BASIC ````