---
title: "Get the default payment method for a customer"
method: GET
path: "/v1/sdk/payment-method"
tags: ["Payment Methods"]
---

# Get the default payment method for a customer

`GET /v1/sdk/payment-method`

Returns the customer's default card for the authenticated provider. Sourced from stored payment-method records (no Stripe round-trip). Returns `{ kind: 'none' }` when no card is on file.

## Query parameters

- `customerRef` string, required

## Response `200`

The customer's default card, or `{ kind: 'none' }` when no card is on file.

- union
  - object
    - `brand` string, required
    - `expMonth` integer, required
    - `expYear` integer, required
    - `kind` 'card', required
    - `last4` string, required
  - object
    - `kind` 'none', required

## Changes

- **2026-07-04** `a30b6aef464d` — 2 info
  - the endpoint scheme security `SecretKey` was added to the API
  - the endpoint scheme security `bearer` was removed from the API
- **2026-04-26** `60c2cd1caf83` — 1 info
  - endpoint added

[Change history](https://skmtc.dev/solvapay/apis/solvapay-rest-api/changes/v1/sdk/payment-method/get.md)

---

[API](https://skmtc.dev/solvapay/apis/solvapay-rest-api.md) · [All operations](https://skmtc.dev/solvapay/apis/solvapay-rest-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/solvapay/solvapay-rest-api/revisions/d29ab7373802/schema)