# Get available payment methods

Get saved credit cards, account balance, and promo credits available for checkout. Requires authentication.

Endpoint: POST /mcp/v1/actions/ud_cart_get_payment_methods
Version: 1.0.0
Security: bearerAuth

## Response 200 fields (application/json):

  - `savedCards` (array)

  - `savedCards.id` (string)
    Payment method ID

  - `savedCards.brand` (string)
    Card brand

  - `savedCards.last4` (string)
    Last 4 digits

  - `savedCards.expMonth` (number)

  - `savedCards.expYear` (number)

  - `savedCards.isExpired` (boolean)

  - `savedCards.isDefault` (boolean)

  - `accountBalance` (object)

  - `accountBalance.amount` (number)
    Balance in cents

  - `accountBalance.amountFormatted` (string)

  - `promoCredits` (object)

  - `promoCredits.amount` (number)
    Promo credits in cents

  - `summary` (object)

  - `summary.hasValidCards` (boolean)

  - `summary.validCardCount` (number)

  - `summary.hasAccountBalance` (boolean)

  - `summary.hasPromoCredits` (boolean)

  - `summary.totalCredits` (number)
    Combined account balance + promo credits

  - `summary.totalCreditsFormatted` (string)

  - `summary.canCheckout` (boolean)


## Response 401 fields