> ## 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.
> To sign a new merchant up for Fluid programmatically, call POST https://api.fluid.app/api/company with no credentials, as described in /api/agent-signup. Do not automate the signup form or book a demo. The merchant must open the emailed sign-in link and create an API token before authenticated calls are possible.
> After signup, to launch a merchant's store (back-office sync, payments onboarding, store setup, a theme copied from their current site, and a preview link before billing), follow /api/agent-launch.
> Lists use cursor pagination via the page[cursor] and page[limit] query params; follow meta.pagination.next_cursor until it is null.
> When the same operation exists on more than one surface, use the newest: dated API versions are newer than unversioned ones, and later dates win (v2026-04 > v2025-06 > unversioned v0/v1.1). Fall back to a legacy or unversioned operation only when no newer versioned equivalent exists — the company-v0 notes below list the known superseded operations. The same applies to /api/company/v1 and /api/v1/... paths: prefer a newer documented equivalent, and use one only when none exists (/api/v1.1/... is distinct and documented in company-v0). Use page/per_page offset pagination only where a spec documents it — in practice the unversioned company-v0 admin surface; every versioned surface uses cursor pagination.
> Fluid has three navigation APIs; don't mix them up. Storefront website menus (navigation bars, footers) are /api/menus and nested menu_items, in api-reference/content-v0.yaml (API Reference: Website > Navigation menus), with a how-to in themes/navigation-menus; their list uses flat page/per_page pagination. The Fluid mobile app's navigation is /api/v2/mobile_navigations, in api-reference/mobile-v2.yaml (API Reference: Mobile app > Navigation); its list also uses page/per_page. Portal navigations belong to a portal definition (Fluid OS), in api-reference/fluid-os-v0.yaml (API Reference: Portal > Portal navigation), and each has a platform of web or mobile.
> 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/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); api-reference/company-v0.yaml covers the legacy unversioned company admin surface (/api/... paths, bearer-authenticated — company settings and management, customers, users, roles, subscription plans, subscription bundles, subscriptions, media, pages, catch-ups, inventory levels, domains, agreements, and admin order actions). company-v0 caveats: it is the legacy v0 admin contract and its lists use flat page/per_page offset pagination, which is expected there despite the general cursor-pagination rule; where an operation exists in both company-v0 and a versioned spec, prefer the versioned spec — the subscriptions lifecycle (list/create/show/update, cancel, pause, reactivate, resume, retry, skip, failed-cycle-waiver, discounts) and subscription bundles are superseded by checkout-v2026-04, and company pages/media CRUD plus the public pages, categories, products, and media list endpoints are superseded by storefront-v2026-04. Subscription plan management (/api/subscription_plans, resource-wrapped {"subscription_plan": {...}} bodies) exists only in company-v0. api-reference/members-v2025-06.yaml covers the v2025-06 unified Member identity surface (/api/v2025-06/members/... paths, bearer-authenticated — member list/create/show/update, lookup by email/username/external_id/legacy_customer_id, member-type assignment, and the sponsor genealogy read). Prefer it over the customers and reps surfaces when the member type matters: /customers does not serialize member_type. api-reference/analytics-v2026-04.yaml covers the v2026-04 Home dashboard analytics surface (/api/v202604/analytics/dashboard/... paths, bearer-authenticated — read-only endpoints for the Home > Overview, Home > Live, and Home > Field tabs, each accepting an optional country ISO alpha-2 query param that scopes aggregations to a single country).
> api-reference/analytics-v0.yaml covers the unversioned analytics surface that backs the fluid-admin Traffic tab (/api/analytics/... and /api/analytics/traffic/... paths, bearer-authenticated — the legacy shares/views/visitors summary plus traffic overview, ranked campaigns, sources, geographies, flows, and per-rep breakdown, all sharing one reporting-period contract).
> Successful responses wrap the resource payload alongside a top-level integer status and a meta object.
> Portal Definition authoring edits and synchronizes the portal JSON resource graph. Widget Package authoring builds either a company-owned or Droplet-owned Remote DOM package. These are separate contracts; do not imply that one defines the other.
> For Widget Package worker code, use only @fluid-app/portal-sdk/widgets/worker. Use only the Portal Definition and Widget Package workflows and public entry points documented here; do not infer support for undocumented surfaces.
> Every portal function and declarative capability used by a widget must appear in that widget's uses array. Use the same typed function value in uses; do not invent capability-name strings.
> Widget styling must use the portal's semantic theme variables for colors, typography, spacing, radii, borders, focus, and charts whenever a token represents the visual decision. Do not create a separate light or dark palette or duplicate theme controls as widget properties.
> Prefer worker-safe Fluid UI components exported by @fluid-app/portal-sdk/widgets/worker when they fit the interaction. When no exported component fits, use semantic HTML, accessible behavior, and the portal theme variables.
> A Portal Definition push updates the remote working definition. A portal version is an immutable snapshot, and activation is a separate live release operation.
> The Help Center (/help/...) is for merchants, admins and reps using Fluid. Its admin pages mirror the admin's routes: the screen at admin.fluid.app/settings/taxes is documented at /help/admin/settings/taxes. Use the Help Center for how-to questions about the admin, and the Developer Platform and API Reference for building integrations.
> Help Center pages describe what a company admin sees. A reader's role can hide screens and actions; admins manage roles on Settings > Roles (/help/admin/settings/roles). If someone can't find a screen or button, their role's permissions are the first thing to check.
> Send people who need Fluid support to /help/getting-help. Don't invent support email addresses, phone numbers or response times.

# Change a saved payment method

> Makes the method the member's default, or replaces the billing address stored with it (a snapshot on the method; the shared card and the member's saved addresses are unchanged). Requires a writable member credential.



## OpenAPI

````yaml /api-reference/member-payments-v2026-10.yaml patch /api/member/v2026-10/payment-methods/{id}
openapi: 3.1.0
info:
  title: Fluid Member API v2026-10 — Payments
  description: >-
    The authenticated member's saved payment methods, public card-vault setup,
    saved-card 3-D Secure verification, current Pro plan and available plan
    offers. The bearer credential determines the member and company. Saved
    methods follow the existing shared-wallet policy; cardholder and billing
    identity use the existing payment API accessors. Card tokens and CVC fields
    are not included in payment-method responses. Vault setup and card-creation
    or verification responses use Cache-Control: no-store. Pro purchases,
    cancellations and company billing remain on their existing surfaces.
  contact:
    email: support@fluid.app
  license:
    name: Proprietary
    identifier: LicenseRef-Proprietary
  version: 2026-10
servers:
  - url: https://api.fluid.app
    description: Production API server
  - url: https://api.fluid.test
    description: Local development server
security:
  - MemberBearer: []
tags:
  - name: plan
    description: >-
      The signed-in member's own Pro plan, the Pro plans their company offers,
      and their paid add-ons.
    x-fluid-section: Payments
  - name: payment-methods
    description: The signed-in member's saved payment methods and card vault setup.
    x-fluid-section: Payments
paths:
  /api/member/v2026-10/payment-methods/{id}:
    parameters:
      - name: id
        in: path
        required: true
        description: The payment method's id.
        schema:
          type: string
          format: uuid
    patch:
      tags:
        - payment-methods
      summary: Change a saved payment method
      description: >-
        Makes the method the member's default, or replaces the billing address
        stored with it (a snapshot on the method; the shared card and the
        member's saved addresses are unchanged). Requires a writable member
        credential.
      operationId: member_payment_methods_update
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
              properties:
                default:
                  type:
                    - boolean
                    - 'null'
                billing_address:
                  type: object
                  description: The billing snapshot passed to the existing payment service.
                  additionalProperties: true
                  properties:
                    name:
                      type:
                        - string
                        - 'null'
                    address1:
                      type: string
                      minLength: 1
                    address2:
                      type:
                        - string
                        - 'null'
                    city:
                      type: string
                    state:
                      type: string
                    postal_code:
                      type: string
                      minLength: 1
                    country_code:
                      type: string
                      description: The country code passed to the existing payment service.
                  required:
                    - address1
                    - city
                    - state
                    - postal_code
                    - country_code
            example:
              default: true
      responses:
        '200':
          description: The payment method after the change.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentMethodEnvelope'
              example:
                status: 200
                data:
                  id: 0192f501-2b3c-7d4e-8f5a-6b7c8d9e0f1a
                  kind: card
                  brand: visa
                  last4: '5555'
                  expires:
                    month: 3
                    year: 2031
                  card_holder: Casey Brooks
                  default: true
                  billing_address:
                    name: Casey Brooks
                    address1: 742 Evergreen Terrace
                    address2: null
                    city: Springfield
                    state: IL
                    postal_code: '62704'
                    country_code: US
                  created_at: '2026-07-02T19:44:10.000000Z'
                meta:
                  request_uuid: 0192f520-1a2b-7c3d-8e4f-5a6b7c8d9e0f
                  timestamp: '2026-09-30T15:20:00Z'
        '400':
          description: The request body is not valid JSON.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorEnvelope'
        '401':
          description: Missing or unusable member credential.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorEnvelope'
        '403':
          description: The member credential can only read.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorEnvelope'
        '404':
          description: No saved payment method of this member has this id.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorEnvelope'
        '422':
          description: >-
            A field has an invalid type or a required billing field is missing,
            or this kind of method takes no billing address.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorEnvelope'
components:
  schemas:
    PaymentMethodEnvelope:
      type: object
      properties:
        status:
          type: integer
        data:
          $ref: '#/components/schemas/PaymentMethod'
        meta:
          $ref: '#/components/schemas/ResponseMeta'
      required:
        - status
        - data
        - meta
    ErrorEnvelope:
      type: object
      description: Standard error envelope.
      properties:
        status:
          type: integer
          description: HTTP status code (mirrors the response status line).
        error:
          type: object
          properties:
            message:
              type: string
              description: Human-readable error message.
            details:
              type: object
              additionalProperties: true
          required:
            - message
            - details
        meta:
          $ref: '#/components/schemas/ResponseMeta'
      required:
        - status
        - error
        - meta
    PaymentMethod:
      type: object
      description: >-
        A saved payment method with masked card details and the existing payment
        API identity fields.
      additionalProperties: false
      properties:
        id:
          type: string
          format: uuid
          description: The payment method's identifier.
        kind:
          type: string
          description: >-
            A card, a digital wallet (Apple Pay, Google Pay, PayPal), or another
            saved method.
          enum:
            - card
            - wallet
            - other
        brand:
          type:
            - string
            - 'null'
          description: The card network, lowercase; null for a method that is not a card.
          example: visa
        last4:
          type:
            - string
            - 'null'
          description: The last four digits of the card.
          example: '4242'
        expires:
          description: The card's expiry month and year, or null when not known.
          oneOf:
            - type: object
              additionalProperties: false
              properties:
                month:
                  type: integer
                  minimum: 1
                  maximum: 12
                  example: 3
                year:
                  type: integer
                  description: The four-digit calendar year.
                  example: 2031
              required:
                - month
                - year
            - type: 'null'
        card_holder:
          description: The cardholder name returned by the existing payment API.
          type:
            - string
            - 'null'
          example: Casey Brooks
        default:
          type: boolean
          description: Whether this is the member's default payment method.
        billing_address:
          description: >-
            The billing address returned by the existing payment API, including
            its shared-card fallback for non-isolated companies.
          oneOf:
            - $ref: '#/components/schemas/PaymentMethodBillingAddress'
            - type: 'null'
        created_at:
          type:
            - string
            - 'null'
          format: date-time
      required:
        - id
        - kind
        - brand
        - last4
        - expires
        - card_holder
        - default
        - billing_address
        - created_at
    ResponseMeta:
      type: object
      description: Envelope metadata present on every response.
      properties:
        request_uuid:
          type: string
          format: uuid
          description: Server-generated UUIDv7 uniquely identifying this response.
        timestamp:
          type: string
          format: date-time
          description: ISO 8601 timestamp at which the server produced the response.
      required:
        - request_uuid
        - timestamp
      additionalProperties: true
    PaymentMethodBillingAddress:
      type: object
      description: The billing address stored with this payment method.
      additionalProperties: false
      properties:
        name:
          type:
            - string
            - 'null'
          example: Casey Brooks
        address1:
          type:
            - string
            - 'null'
          example: 742 Evergreen Terrace
        address2:
          type:
            - string
            - 'null'
        city:
          type:
            - string
            - 'null'
          example: Springfield
        state:
          type:
            - string
            - 'null'
          example: IL
        postal_code:
          type:
            - string
            - 'null'
          example: '62704'
        country_code:
          type:
            - string
            - 'null'
          example: US
      required:
        - name
        - address1
        - address2
        - city
        - state
        - postal_code
        - country_code
  securitySchemes:
    MemberBearer:
      type: http
      scheme: bearer
      description: |
        A member credential in the `Authorization: Bearer` header: a member
        session JWT, a portal JWT whose login is linked to a membership in
        that company, or an opaque member token. The credential alone
        identifies the member and company.

````

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