> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fluid.app/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> For new direct REST integrations, use the v2026-04 surfaces. The @fluid-app FairShare SDK continues to use its own published public-v2025-06 contract.
> Authenticate with the header Authorization: Bearer <token>; public storefront read endpoints require no auth.
> Lists use cursor pagination via the page[cursor] and page[limit] query params; follow meta.pagination.next_cursor until it is null.
> Never use /api/company/v1 or /api/v1 paths, page/per_page params, or offset pagination — they are legacy.
> The OpenAPI specs under api-reference/ are the authoritative contracts; prefer them over prose when in doubt. api-reference/storefront-v2026-04.yaml covers the v2026-04 storefront surface (/api/v202604/... paths); api-reference/auth-v0.yaml covers the unversioned auth surface (/api/... paths — authentication, MFA, social auth, and token exchange); api-reference/checkout-v2026-04.yaml covers the v2026-04 checkout surface (/api/checkout/v2026-04/... paths — carts, cart auth, discounts, items, subscriptions, orders, enrollments, and store config); api-reference/public-v2025-06.yaml covers the Public SDK surface used by the @fluid-app FairShare SDK, including its parallel cart lifecycle, browser integrations, versioned payment callbacks, unversioned public utilities, and the cart price-override operation; api-reference/payment-v2026-04.yaml covers the v2026-04 payment gateway admin surface (/api/payment/v2026-04/... paths, bearer-authenticated — gateway CRUD, gateway purchase/authorize/$0-verify, transaction list/show and capture/void/credit, and merchant payment configuration); api-reference/payments-v2026-04.yaml covers the v2026-04 cart payment surface (/api/payments/v2026-04/carts/{cart_token}/... paths, authenticated by the cart token in the path with no bearer — payment-method selection, VGS card tokenization, 3D Secure verification, and PayPal/Braintree/Klarna/Apple Pay flows); api-reference/commerce-v2026-04.yaml covers the v2026-04 commerce order-editing surface (/api/v202604/orders/{order_id}/edits paths, bearer-authenticated — post-checkout order edits that atomically insert items and add adjustments/discounts, with an optional dry-run preview); api-reference/webhooks-v0.yaml covers the unversioned webhooks surface (/api/... paths — webhook registration, delivery payloads, callback registrations, company events, and webhook/callback schemas).
> Successful responses wrap the resource payload alongside a top-level integer status and a meta object.

# Tokenize payment credentials

> Vaults payment credentials via VGS. Requires a valid customer JWT.



## OpenAPI

````yaml /api-reference/checkout-v2026-04.yaml post /api/checkout/v2026-04/customers/me/payment_methods/tokenize
openapi: 3.1.0
info:
  title: Fluid Checkout API
  description: >-
    **Fluid Checkout API — for building a checkout directly against REST.**


    Use this surface if you are integrating server-to-server or building your
    own

    checkout UI. It covers the full order lifecycle (cart → address → shipping →

    discount → complete → order) plus the logged-in customer's account: saved

    addresses, saved payment methods, order history, loyalty points, and

    subscription management (pause, resume, skip, cancel, retry).


    **The cart token in the URL scopes cart access** — creating a cart, adding

    items, applying a discount, and completing a cart need no bearer token.

    Among the cart operations, a Bearer token is required only for

    `carts/{cart_token}/sync`, `carts/{cart_token}/volume_rep`, and

    `carts/{cart_token}/discount/manual`. Off the cart, a token is required for

    everything under `customers/me` and `subscriptions`, and for the store and

    directory lookups (`store/config`, `store/languages`, `reps`, `users`) and

    `subscription_bundles`. `store/countries` accepts a token but does not

    require one — it returns the same list either way.


    **If you are using the `@fluid-app` FairShare SDK in a theme or storefront,

    you are not calling this surface** — the SDK calls the Fluid Public SDK API

    (`public-v2025-06`). Do not mix the two against one cart: they share the
    same

    cart records and services, but their request shapes differ. See

    [Choosing a cart
    surface](https://docs.fluid.app/api/choosing-a-cart-surface)

    for the operation map and boundary.
  version: v2026-04
  contact:
    email: support@fluid.app
  license:
    name: Proprietary
    identifier: LicenseRef-Proprietary
servers:
  - url: https://api.fluid.app
security: []
tags:
  - name: carts
    description: >-
      Create, read, and mutate checkout carts (email, address, country,
      language, shipping, recalculation, completion).
  - name: cart-auth
    description: >-
      Cart-scoped customer authentication — magic-link challenge, verification,
      identity, and logout.
  - name: cart-discount
    description: >-
      Apply, list, and remove cart discount codes, including admin manual
      discounts.
  - name: cart-items
    description: Add, update, and remove line items on a cart.
  - name: cart-points
    description: Apply and remove loyalty points on a cart.
  - name: customers
    description: The authenticated customer's profile and company memberships.
  - name: customer-addresses
    description: The authenticated customer's saved shipping/billing addresses.
  - name: customer-orders
    description: The authenticated customer's order history.
  - name: customer-payment-methods
    description: The authenticated customer's saved payment methods and tokenization.
  - name: customer-points
    description: The authenticated customer's loyalty point balances.
  - name: directory
    description: Company rep and user directory lookups.
  - name: enrollments
    description: >-
      Public enrollment forms — retrieve a form and submit, update, or upload
      field answers.
  - name: orders
    description: Public order lookup by token.
  - name: products
    description: Public product queries for the storefront checkout.
  - name: store
    description: >-
      Store-level checkout configuration — countries, languages, address fields,
      agreements, drop zones, and Apple Pay domain verification.
  - name: subscriptions
    description: >-
      Manage subscriptions — pause, resume, skip, cancel, reactivate, retry, and
      failed-cycle waivers.
  - name: subscription-bundles
    description: List and create subscription bundles.
paths:
  /api/checkout/v2026-04/customers/me/payment_methods/tokenize:
    post:
      tags:
        - customer-payment-methods
      summary: Tokenize payment credentials
      description: Vaults payment credentials via VGS. Requires a valid customer JWT.
      operationId: checkout_v2026_04_tokenize_customer_payment_method
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: false
              properties:
                jwt:
                  type: string
                  description: >-
                    Customer JWT. VGSVaultAction validates required(:jwt), but
                    the controller injects it from the Authorization bearer
                    header (fluid_pay_params); a jwt sent in the body is
                    redundant. No other fields are read.
      responses:
        '200':
          description: Success
          content:
            application/json:
              schema:
                $ref: >-
                  #/components/schemas/CheckoutCustomerPaymentMethodTokenizeResponse
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
      security:
        - bearer_auth: []
components:
  schemas:
    CheckoutCustomerPaymentMethodTokenizeResponse:
      type: object
      properties:
        meta:
          $ref: '#/components/schemas/Meta'
        vault:
          type: object
          properties:
            environment:
              type: string
            mode:
              type: string
            requires_3ds:
              type: boolean
            route_id:
              type: string
            vault_id:
              type: string
          required:
            - environment
            - mode
            - requires_3ds
            - route_id
            - vault_id
          additionalProperties: false
      required:
        - meta
        - vault
      additionalProperties: false
    UnauthorizedResponse:
      type: object
      properties:
        message:
          type: string
      required:
        - message
    Meta:
      type: object
      properties:
        request_id:
          type:
            - string
            - 'null'
        timestamp:
          type: string
          format: date-time
  securitySchemes:
    bearer_auth:
      type: http
      scheme: bearer
      description: Bearer token authentication

````