---
title: "Initialize a Bolt payment for guest shoppers"
method: POST
path: "/guest/payments"
tags: ["Payments"]
---

# Initialize a Bolt payment for guest shoppers

`POST /guest/payments`

Initialize a Bolt guest shopper's intent to pay for a cart, using the specified payment method. Payments must be finalized before indicating the payment result to the shopper. Some payment methods will finalize automatically after initialization. For these payments, they will transition directly to "finalized" and the response from Initialize Payment will contain a finalized payment.

## Headers

- `X-Publishable-Key` string, required
- `X-Merchant-Client-Id` string

## Request body

- GuestPaymentInitializeRequest
  - `profile` ProfileCreationData, required — An account's identifying information.
    - `create_account` boolean, required — Whether or not an account should be created.
    - `first_name` string, required — The given name of the person associated with this profile.
    - `last_name` string, required — The last name of the person associated with this profile.
    - `email` string, email, required — The email address asscoiated with this profile.
    - `phone` string, phone — The phone number associated with this profile.
  - `cart` Cart, required
    - `order_reference` string, required — This value is used by Bolt as an external reference to a given order. This reference must be unique per successful transaction.
    - `order_description` string — Used optionally to pass additional information like order numbers or other IDs as needed.
    - `display_id` string — A shopper-facing identifier corresponding to the order reference associated with this transaction.
    - `shipments` CartShipment[]
      - `address` union
        - AddressReferenceId
          - `.tag` 'id', required — The type of address reference
          - `id` string, id, required — The address's ID
        - AddressReferenceExplicit
          - `.tag` 'explicit', required — The type of address reference
          - `id` string, id — The address's unique identifier.
          - `first_name` string, required — The first name of the person associated with this address.
          - `last_name` string, required — The last name of the person associated with this address.
          - `company` string — The company associated with this address.
          - `street_address1` string, required — The street address associated with this address.
          - `street_address2` string — Any additional, optional, street address information associated with this address.
          - `locality` string, required — The locality (e.g. city, town, etc...) associated with this address.
          - `postal_code` string, required — The postal code associated with this address.
          - `region` string — The region or administrative area (e.g. state, province, county, etc...) associated with this address.
          - `country_code` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BH' | 'BS' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'KH' | 'CM' | 'CA' | 'CV' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MK' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SZ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW', required — The country (in its ISO 3166 alpha-2 format) associated with this address.
          - `email` string, email — The email address associated with this address.
          - `phone` string, phone — The phone number associated with this address.
        - AddressReferencePartial
          - `.tag` 'partial', required — The type of address reference
          - `postal_code` string, required — The postal code associated with the credit card billing address.
      - `cost` Amount — A monetary amount, i.e. a base unit amount and a supported currency.
        - `currency` 'AUD' | 'CAD' | 'EUR' | 'GBP' | 'USD', required — A supported currency.
        - `units` integer, required — A monetary amount, represented in its base units (e.g. USD/EUR cents).
      - `carrier` string — The name of the carrier selected.
    - `discounts` CartDiscount[]
      - `amount` Amount, required — A monetary amount, i.e. a base unit amount and a supported currency.
        - `currency` 'AUD' | 'CAD' | 'EUR' | 'GBP' | 'USD', required — A supported currency.
        - `units` integer, required — A monetary amount, represented in its base units (e.g. USD/EUR cents).
      - `code` string — Discount code.
      - `details_url` string, url — Used to provide a link to additional details, such as a landing page, associated with the discount offering.
    - `items` CartItem[]
      - `name` string, required — The name of a given item.
      - `reference` string, required — This value is used by Bolt as an external reference to a given item.
      - `description` string — A human-readable description of this cart item.
      - `seller_id` string — External reference ID for a marketplace seller.
      - `total_amount` Amount, required — A monetary amount, i.e. a base unit amount and a supported currency.
        - `currency` 'AUD' | 'CAD' | 'EUR' | 'GBP' | 'USD', required — A supported currency.
        - `units` integer, required — A monetary amount, represented in its base units (e.g. USD/EUR cents).
      - `unit_price` integer, required — The item's unit price, i.e. the cost of a single item exclusive of tax and discounts.
      - `quantity` integer, required — The number of units that comprise this cart item.
      - `image_url` string, url — Used to provide a link to the image associated with the item.
      - `subscription_plan_id` string — Subscription Plan ID that assigns this item to a specific subscription plan.
    - `total` Amount, required — A monetary amount, i.e. a base unit amount and a supported currency.
      - `currency` 'AUD' | 'CAD' | 'EUR' | 'GBP' | 'USD', required — A supported currency.
      - `units` integer, required — A monetary amount, represented in its base units (e.g. USD/EUR cents).
    - `tax` Amount, required — A monetary amount, i.e. a base unit amount and a supported currency.
      - `currency` 'AUD' | 'CAD' | 'EUR' | 'GBP' | 'USD', required — A supported currency.
      - `units` integer, required — A monetary amount, represented in its base units (e.g. USD/EUR cents).
  - `payment_method` union, required
    - PaymentMethodCreditCard
      - `.tag` 'credit_card', required
      - `id` string, id
      - `type` string, required — The type of payment method
      - `billing_address` union, required
        - AddressReferenceId
          - `.tag` 'id', required — The type of address reference
          - `id` string, id, required — The address's ID
        - AddressReferenceExplicit
          - `.tag` 'explicit', required — The type of address reference
          - `id` string, id — The address's unique identifier.
          - `first_name` string, required — The first name of the person associated with this address.
          - `last_name` string, required — The last name of the person associated with this address.
          - `company` string — The company associated with this address.
          - `street_address1` string, required — The street address associated with this address.
          - `street_address2` string — Any additional, optional, street address information associated with this address.
          - `locality` string, required — The locality (e.g. city, town, etc...) associated with this address.
          - `postal_code` string, required — The postal code associated with this address.
          - `region` string — The region or administrative area (e.g. state, province, county, etc...) associated with this address.
          - `country_code` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BH' | 'BS' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'KH' | 'CM' | 'CA' | 'CV' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MK' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SZ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW', required — The country (in its ISO 3166 alpha-2 format) associated with this address.
          - `email` string, email — The email address associated with this address.
          - `phone` string, phone — The phone number associated with this address.
        - AddressReferencePartial
          - `.tag` 'partial', required — The type of address reference
          - `postal_code` string, required — The postal code associated with the credit card billing address.
      - `network` 'visa' | 'mastercard' | 'amex' | 'discover' | 'jcb' | 'dinersclub' | 'unionpay' | 'alliancedata' | 'citiplcc', required — The credit card's network.
      - `bin` string, required — The Bank Identification Number (BIN). This is the first 4 to 8 digits of the account number.
      - `last4` string, required — The account number's last four digits.
      - `expiration` string, required — The expiration date, in YYYY-MM format.
      - `token` string, required — The Bolt token associated with the credit card.
      - `affirm_vcn_token` string — The checkout token associated with Affirm VCN credit cards.
      - `default` boolean — Indicates whether this credit card is the default payment method.
    - PaymentMethodGooglepay
      - `.tag` 'googlepay', required
      - `id` string, id
      - `type` string, required — The type of payment method
      - `billing_address` union
        - AddressReferenceId
          - `.tag` 'id', required — The type of address reference
          - `id` string, id, required — The address's ID
        - AddressReferenceExplicit
          - `.tag` 'explicit', required — The type of address reference
          - `id` string, id — The address's unique identifier.
          - `first_name` string, required — The first name of the person associated with this address.
          - `last_name` string, required — The last name of the person associated with this address.
          - `company` string — The company associated with this address.
          - `street_address1` string, required — The street address associated with this address.
          - `street_address2` string — Any additional, optional, street address information associated with this address.
          - `locality` string, required — The locality (e.g. city, town, etc...) associated with this address.
          - `postal_code` string, required — The postal code associated with this address.
          - `region` string — The region or administrative area (e.g. state, province, county, etc...) associated with this address.
          - `country_code` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BH' | 'BS' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'KH' | 'CM' | 'CA' | 'CV' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MK' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SZ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW', required — The country (in its ISO 3166 alpha-2 format) associated with this address.
          - `email` string, email — The email address associated with this address.
          - `phone` string, phone — The phone number associated with this address.
        - AddressReferencePartial
          - `.tag` 'partial', required — The type of address reference
          - `postal_code` string, required — The postal code associated with the credit card billing address.
      - `network` 'visa' | 'mastercard' | 'amex' | 'discover' | 'jcb' | 'dinersclub' | 'unionpay' | 'alliancedata' | 'citiplcc', required — The credit card's network.
      - `bin` string, required — The Bank Identification Number (BIN). This is the first 4 to 8 digits of the account number.
      - `last4` string, required — The account number's last four digits.
      - `expiration` string, required — The expiration date, in YYYY-MM format.
      - `token` string, required — The Bolt token associated with the credit card.
      - `affirm_vcn_token` string — The checkout token associated with Affirm VCN credit cards.
      - `default` boolean — Indicates whether this credit card is the default payment method.
    - PaymentMethodApplepay
      - `.tag` 'applepay', required
      - `id` string, id
      - `type` string, required — The type of payment method
      - `billing_address` union
        - AddressReferenceId
          - `.tag` 'id', required — The type of address reference
          - `id` string, id, required — The address's ID
        - AddressReferenceExplicit
          - `.tag` 'explicit', required — The type of address reference
          - `id` string, id — The address's unique identifier.
          - `first_name` string, required — The first name of the person associated with this address.
          - `last_name` string, required — The last name of the person associated with this address.
          - `company` string — The company associated with this address.
          - `street_address1` string, required — The street address associated with this address.
          - `street_address2` string — Any additional, optional, street address information associated with this address.
          - `locality` string, required — The locality (e.g. city, town, etc...) associated with this address.
          - `postal_code` string, required — The postal code associated with this address.
          - `region` string — The region or administrative area (e.g. state, province, county, etc...) associated with this address.
          - `country_code` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BH' | 'BS' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'KH' | 'CM' | 'CA' | 'CV' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MK' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SZ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW', required — The country (in its ISO 3166 alpha-2 format) associated with this address.
          - `email` string, email — The email address associated with this address.
          - `phone` string, phone — The phone number associated with this address.
        - AddressReferencePartial
          - `.tag` 'partial', required — The type of address reference
          - `postal_code` string, required — The postal code associated with the credit card billing address.
      - `network` 'visa' | 'mastercard' | 'amex' | 'discover' | 'jcb' | 'dinersclub' | 'unionpay' | 'alliancedata' | 'citiplcc', required — The credit card's network.
      - `bin` string, required — The Bank Identification Number (BIN). This is the first 4 to 8 digits of the account number.
      - `last4` string, required — The account number's last four digits.
      - `expiration` string, required — The expiration date, in YYYY-MM format.
      - `token` string, required — The Bolt token associated with the credit card.
      - `affirm_vcn_token` string — The checkout token associated with Affirm VCN credit cards.
      - `default` boolean — Indicates whether this credit card is the default payment method.
      - `bolt_reference` string — Bolt generated Applepay token id needed for token life cycle management.
    - PaymentMethodPaypal
      - `.tag` 'paypal', required
      - `success_url` string, url, required — Redirect URL for successful PayPal transaction.
      - `cancel_url` string, url, required — Redirect URL for canceled PayPal transaction.
    - PaymentMethodAffirm
      - `.tag` 'affirm', required
      - `return_url` string, url, required — Return URL to return to after payment completion in Affirm.
    - PaymentMethodAfterpay
      - `.tag` 'afterpay', required
      - `return_url` string, url, required — Return URL to return to after payment completion in Afterpay.
    - PaymentMethodKlarna
      - `.tag` 'klarna', required
      - `return_url` string, url, required — Return URL to return to after payment completion in Klarna.
    - PaymentMethodKlarnaAccount
      - `.tag` 'klarna_account', required
      - `return_url` string, url, required — Return URL to return to after payment completion in Klarna.
    - PaymentMethodKlarnaPaynow
      - `.tag` 'klarna_paynow', required
      - `return_url` string, url, required — Return URL to return to after payment completion in Klarna.
  - `seller_splits` SellerSplit[], nullable
    - `amounts` SellerSplitAmounts
      - `discount_total` integer
      - `gross_total` integer
      - `merchant_subtotal` integer
      - `shipping_total` integer
      - `tax_total` integer
    - `marketplace_commission_fee` MarketplaceCommissionFee
      - `bps` integer
      - `flat_cents` integer
      - `metadata` object, nullable
    - `seller_id` string
  - `authorization_type` string — The type of authorization to perform. 'estimated' for pre-authorization, 'final' for final authorization.
  - `auto_capture` boolean — Whether to automatically capture the payment after authorization. If true, the payment will be captured immediately. If false, the payment will only be authorized and require a separate capture call.
  - `three_ds_reference` string — Reference value from cardinal.
  - `co_funding` CoFunding
    - `funder_public_id` string — Public merchant ID of the merchant funding the payment. Set in Pattern B (funder initiates). Exactly one of funder_public_id or receiver_public_id must be present.
    - `receiver_public_id` string — Public merchant ID of the merchant receiving the funding. Set in Pattern A (receiver initiates). Exactly one of funder_public_id or receiver_public_id must be present.
    - `amount` integer, required — Amount being funded in the smallest currency unit (cents for USD). Must be > 0 and amount + payment_method_amount = cart.total.amount.
    - `reference` string, required — Idempotency reference for this co-funding transfer. Must be unique.

## Response `200`

The payment was successfully initialized, and was either immediately finalized or is pending

- union
  - PaymentResponseFinalized
    - `.tag` 'finalized', required
    - `id` string, id
    - `status` 'success', required
    - `transaction` Transaction, required
      - `reference` string
      - `authorizations` TransactionAuthorization[] — Payment authorization events attached to a transaction
        - `processor_reference` string
        - `processor_response` ProcessorResponse — Raw authorization response from the payment processor
          - `content_type` string
          - `api_version` string
          - `text` string
    - `co_funding_summary` CoFundingSummary
      - `funder_public_id` string, required — Public merchant ID of the merchant funding the payment.
      - `receiver_public_id` string, required — Public merchant ID of the merchant receiving the funding.
      - `amount` integer, required — Amount being funded in the smallest currency unit (cents for USD).
      - `currency` string, required — Currency code of the co-funding amount.
      - `reference` string, required — Idempotency reference for this co-funding transfer.
      - `status` 'pending' | 'submitted' | 'funded', required — Status of the co-funding transfer. 'pending' = created but not yet queued for funding, 'submitted' = queued in funding batch, 'funded' = settled.
  - PaymentResponsePending
    - `.tag` 'pending', required
    - `id` string, id
    - `status` 'awaiting_user_confirmation', required
    - `action` 'redirect', required
    - `url` string, url, required
  - PaymentResponseThreeDsRequired
    - `.tag` 'three_ds_required', required
    - `id` string, id
    - `step_up_url` string, url, required
    - `jwt_payload` string, required

## Other responses

- `4XX` — The payment operation cannot complete
- `default` — An error has occurred, and no further details are provided (e.g. 5xx errors)

## Changes

- **2026-08-16** `18e78f3cf6f3` — 2 info
  - added the new optional request property `co_funding`
  - added the optional property `oneOf[#/components/schemas/payment-response-finalized]/co_funding_summary` to the response with the `200` status

[Change history](https://skmtc.dev/bolt/apis/bolt-api-reference-2/changes/guest/payments/post.md)

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[API](https://skmtc.dev/bolt/apis/bolt-api-reference-2.md) · [All operations](https://skmtc.dev/bolt/apis/bolt-api-reference-2/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/bolt/bolt-api-reference-2/revisions/18e78f3cf6f3/schema)
